You can save a lot of money. In 2025, smart shopping uses the best store rewards programs. These programs are helpful. You get more for your money. This guide lists the 15 best store rewards programs. They give real rewards. You will choose wisely. Join the right program. Get the most savings and rewards. These programs make shopping better. Find the best store rewards programs for you. This program helps you get more. Many programs offer good benefits. Find the best store rewards programs. Get the most shopping rewards. These programs give great value.
Key Takeaways
Join store rewards programs to save money and get more from your shopping.
Look for programs that offer clear ways to earn and use rewards you want.
Combine your rewards with sales and coupons to save even more money.
Always know when your rewards expire and use them before that date.
Use digital wallets to keep your reward cards handy and easy to use.
Choosing the Best Loyalty Programmes
Key Criteria for Top Rewards
You want to pick the best loyalty programmes. Look for clear ways to earn rewards. A good program makes earning points easy. You should understand how your spending turns into benefits. Consider the value of the rewards you get. Are they discounts, free items, or special access? The best loyalty programs offer rewards you actually want.
You also need to check redemption rates. How often do people use their rewards? Data shows that redemption rates vary by sector:
Sector | Redemption Rate |
|---|---|
Retail | 55.5% |
Global Average | 49.8% |
Fashion | 36.8% |
This table tells you that retail programs often have higher redemption. You should look for programs with high usage. This means people find the rewards valuable. Look for flexible points redemption options. This gives you more control over your savings. Instant rewards are also a great perk. They let you enjoy benefits right away.
Maximizing Program Value
You can get the most from your chosen programs. First, understand all the loyalty program benefits. Read the terms and conditions. This helps you know how to earn and redeem points effectively. Look for value-based loyalty programs. These programs give you rewards that match your shopping habits.
Combine your rewards with other sales. Many programs let you stack discounts. This means you can save even more money. Pay attention to special promotions. These often offer bonus points or extra rewards for certain purchases. Do not let your points expire. Keep track of your rewards balance. Use your points before you lose them. You make your loyalty work harder for you. This strategy helps you maximize every program.
Top 15 Retail Rewards Programs: Leading Loyalty Program Brands
You want to find the best store rewards programs. These loyalty program brands give great value. Here are 15 examples of top loyalty program examples. They help you save money. These programs show you how to get more from shopping.
Target Circle Rewards (Target)
Target Circle Rewards is a popular loyalty program. It helps you save money at Target. This program offers many benefits.
Program Name & Retailer: Target Circle Rewards (Target)
How to Join: You can easily join this loyalty rewards program.
Sign up online at Target.com. Or use the Target app. Give your name, email, and phone number. If you have a Target.com account, log in. Then join the program.
You can also sign up in-store. Do this at checkout. Give your phone number to the cashier. They will link it to your new account.
You must be at least 18 years old.
The program is for U.S. residents. This includes Puerto Rico.
You do not need to buy anything. You can still become a member.
Earning Rewards: You earn rewards every time you shop.
Get special offers just for you. Discounts apply automatically. This happens at checkout.
Receive deals only for members.
Get special birthday rewards.
Key Perks & Savings: This program helps you save a lot.
5% savings: Save 5% on certain buys. This is for in-store and online. It includes sales.
Free two-day shipping: Get your items shipped fast.
Extended returns: You get 30 extra days to return things. This is more than the usual 90 days.
Special pricing on Target Circle 360 membership: Cardholders can get a Target Circle 360 membership. It costs $49 instead of $99.
You can save over $300 each year.
Get same-day delivery from Target. Also from other stores. There are no extra price markups.
Get free fast shipping. This is for certain items. Delivery can be as soon as the next day.
Get monthly freebies. You get new gifts. Also exclusive discounts each month.
Get early access to big sales. You can shop brand collaborations first. Also members-only items.
Benefit from no-rush returns. You get 30 extra days to return purchases.
What Makes It Stand Out: Target Circle gives many benefits. It has daily savings. It also has special perks. This makes it one of the best loyalty programmes.
My Best Buy Rewards (Best Buy)
My Best Buy Rewards is a top choice. It is for people who buy electronics. This program gives you value. This is on tech purchases.
Program Name & Retailer: My Best Buy Rewards (Best Buy)
How to Join: You can sign up online. Go to the Best Buy website or app. You can also join in a Best Buy store.
Earning Rewards: You earn points. This is for every dollar you spend. It is on electronics.
Key Perks & Savings: You get special prices for members. You can use points for future discounts.
What Makes It Stand Out: Best Buy's My Best Buy program gives points. This is on electronics purchases. It also has special member pricing.
You earn points for every dollar spent. You can use these for future discounts.
Elite and Elite Plus levels give better rewards. You also need to spend less for free shipping.
You get early access to special sales. This includes Black Friday deals.
A special customer service line is open. It is for loyalty members.
You get a birthday gift. This is a special discount. It is during your birth month.
Sephora Beauty Insider (Sephora)
Sephora Beauty Insider is a top loyalty program. It is for beauty lovers. It offers great rewards. This is for makeup and skincare.
Program Name & Retailer: Sephora Beauty Insider (Sephora)
How to Join: Join for free online at Sephora.com. Or join in any Sephora store.
Earning Rewards: You earn points. This is on all your beauty purchases.
You earn 1 Beauty Insider point. This is for every dollar spent. This is for online, in-store, or app buys. It does not include tax and shipping.
VIB and Rouge members can join special point events. These have 2x, 3x, or 4x point multipliers. This helps you get points faster.
Sephora's Beauty Insider program has levels. These are Insider, VIB, and Rouge. Each level gives more benefits. You move up by spending more each year. You get more fancy perks. This includes more points per dollar spent. This makes you want to keep using the program. It also helps you get rewards faster.
Key Perks & Savings: You get special products. You get free makeovers. You also get birthday gifts. Higher levels give even more benefits.
What Makes It Stand Out: The level system rewards loyal customers. They get more benefits. This makes it one of the best loyalty program examples.
Starbucks Rewards (Starbucks)
Starbucks Rewards is a popular program. It is for coffee fans. You earn rewards. This is for your daily coffee.
Program Name & Retailer: Starbucks Rewards (Starbucks)
How to Join: Get the Starbucks app. Make an account. You can also register a Starbucks Card online.
Earning Rewards: You earn Stars. This is for every dollar you spend. You can pay with a registered Starbucks Card. Or use the app.
Key Perks & Savings: This program offers many benefits.
Free Birthday Item: You get a free item. It is your choice. This is on your birthday.
Free Refills: Get free refills. This is on brewed coffee or tea. It is during the same store visit.
Promotional Earnings: You can earn more rewards. Look for deals. These are like Double Star Days. Also Bonus Star challenges.
Partnership Rewards: Earn extra rewards. This is through other companies. These include Delta SkyMiles. Or cashback with linked credit cards.
Star Redemption Value:
100 Stars: These are worth about $4-$5. You can use them for a free coffee. Or a bakery item.
150 Stars: These are worth about $6-$7. You can use them for a fancy drink. Or a hot breakfast item. Or yogurt parfait.
400 Stars: These are worth about $20. You can use them for certain Starbucks items. Or prepackaged coffee.
Personalized Offers: You get special offers. They are based on your favorite drinks. Also bonus star challenges.
Convenience: The Starbucks app lets you order ahead. Pay quickly. Track your rewards.
Membership Tiers:
Green Level: Earn Stars on every purchase. Get a birthday reward. Get free in-store refills. This is on brewed coffee and tea.
Gold Level: Earn 300 Stars. Then you get special offers. Use Stars for free food. Also a free birthday drink.
What Makes It Stand Out: The app works well. The offers are just for you. This makes this program very easy to use. It is one of the best loyalty programmes for daily treats.
CVS ExtraCare (CVS Pharmacy)
CVS ExtraCare is a known pharmacy loyalty program. It helps you save money. This is on health and beauty items.
Program Name & Retailer: CVS ExtraCare (CVS Pharmacy)
How to Join: Sign up for free in-store. Or online at CVS.com.
Earning Rewards: You earn ExtraBucks rewards. This is on certain purchases. You also get special coupons.
Key Perks & Savings: You get weekly ad deals. Also special discounts. ExtraBucks are like cash. You use them for future buys.
What Makes It Stand Out: The CVS app makes the ExtraCare program special. It has digital tools. One is the Rewards Tracker. This tracker counts rewards and savings. A health dashboard lets you see COVID-19 vaccine cards. Also your history. ExtraCare texts also show deals and savings. These digital tools help you manage family health. You can handle prescriptions. Avoid lines. Save time and money.
CVS ExtraCare is special. It tells you about offers at checkout. Receipts show deals. Cashiers often point out savings. Like $5 ExtraCare Bucks. This quick sharing of value is a clear plus. CVS ExtraCare also gives you double the rebate. This is at a basic level. This gives it an advantage.
The CVS ExtraCare program has over 70 million members. Its special coupons are used much more often. This shows how well targeted ads work. The program has also helped with taking medicine. Also with health results. It links customer loyalty to better health. This is through money help and health benefits.
It uses what you buy. This is for very special offers. It looks at your past buys. This makes coupons and deals just for you. This makes them more useful. It makes you use them more.
It makes a store money system. ExtraBucks make you visit again. They also make it feel special.
It links loyalty to main store services. It connects the loyalty program to pharmacy and health services.
It cares about customer health. It rewards healthy actions. This makes the brand stronger. It builds better customer relationships.
Feature | CVS ExtraCare Rewards |
|---|---|
Complexity | Medium-high: Many coupons and health links |
Personalization | High: Special ads, health service links |
Key Outcomes | Many coupons used; better medicine taking |
Differentiator | Pharmacy that mixes health help and loyalty |
Strengths | Health-focused rewards; very special offers |
Walgreens myWalgreens (Walgreens)
Walgreens myWalgreens is another good pharmacy loyalty program. It focuses on health and feeling good.
Program Name & Retailer: Walgreens myWalgreens (Walgreens)
How to Join: You must meet some rules. This is to join myWalgreens.
If you are 16 to 18 (or 16 to 21 in Puerto Rico), you need a parent's OK.
You must give personal info to join. Walgreen Co. can say no. This is for wrong or fake info.
You must agree to the program's rules. This includes how they use your info.
Membership is for people only. Not for companies. Unless Walgreen Co. says yes.
Here are steps to join online:
Click Register. It is under the Walgreens logo. This is at the top of any page. You will go to the Create your Walgreens.com account page.
Fill in the info needed. Do this on the next page. Click Continue.
Under Manage your prescriptions, click Join now.
Fill in the info needed. Do this on the next page. Click Submit.
Your account is now made. You will need to prove who you are.
Follow the steps. Prove who you are online. Or by phone. Or with a prescription number.
For online proof, answer simple questions. These are about yourself. They use your birth date. This is like what banks do.
Phone proof uses your phone number. Plus an 8-digit code. This code is on the screen.
For prescription proof, give a prescription. One you filled at Walgreens. This is in the last 12 months. If you have one.
Once proven, your pharmacy records might not show up. Not right away. If you do not see them after 24 hours, call Customer Service. The number is 1-877-250-5823.
If you were a Balance Rewards member, you had until January 31, 2021. This was to change your account to myWalgreens. You could do this online. At myWalgreens.com. Or using the Walgreens app. Or in a Walgreens store. A team member could help.
Earning Rewards: You earn Walgreens Cash rewards. This is on certain purchases. You also get special deals.
Key Perks & Savings: You get discounts. This is on health and wellness items. You can use Walgreens Cash. This is for future purchases.
What Makes It Stand Out: It focuses on health goals. It gives special health advice. This makes this program special.
Nordstrom The Nordy Club (Nordstrom)
Nordstrom The Nordy Club is a fancy loyalty program. It is for fashion shoppers. It gives special access and benefits.
Program Name & Retailer: Nordstrom The Nordy Club (Nordstrom)
How to Join: Sign up for free online. Or in-store. You can also join. Apply for a Nordstrom credit card.
Earning Rewards: You earn points. This is on your purchases.
You earn points. This is when you spend at Nordstrom. Also Nordstrom Rack. HauteLook. And Trunk Club.
Nordstrom Credit and Debit Cardholders earn more. This is per dollar spent.
Nordstrom Visa Cardholders can earn points. This is on buys outside Nordstrom. In certain groups.
Higher levels offer better benefits. Also more ways to earn. These are Insider, Influencer, Ambassador.
You can earn extra rewards. This is through special deals. Like Double Points Days.
Key Perks & Savings: You get early access to sales. Free basic clothing changes. And special events. Higher levels give even more fancy perks.
What Makes It Stand Out: The level system is good. It focuses on special styling help. This makes it one of the best loyalty programs for fashion.
Kohl's Rewards (Kohl's)
Kohl's Rewards is a simple loyalty program. It works well. It helps you save money. This is on clothes, home items, and more.
Program Name & Retailer: Kohl's Rewards (Kohl's)
How to Join: Sign up for free online at Kohls.com. Or in any Kohl's store.
Earning Rewards: You earn 5% Kohl's Cash. This is on every purchase.
Key Perks & Savings: You get Kohl's Cash. You can use it like money. This is on future purchases. You also get special deals. And a birthday gift.
What Makes It Stand Out: Earning Kohl's Cash is easy. It is simple to understand and use. This program is great for people who shop often.
Ulta Beauty Rewards (Ulta Beauty)
Ulta Beauty Rewards is a full loyalty program. It is for beauty fans. It has many products and services.
Program Name & Retailer: Ulta Beauty Rewards (Ulta Beauty)
How to Join: Join for free online at Ulta.com. Or in any Ulta Beauty store.
Earning Rewards: You earn points. This is for every dollar you spend.
Key Perks & Savings: You can use points for discounts. This is on products and salon services. You also get a birthday gift. And special offers.
What Makes It Stand Out: Ulta Beauty Rewards is special for many reasons.
Flexibility in Point Redemption: You can use points. This is for products and salon services. This is unique. Other beauty loyalty program brands do not do this.
Extended Birthday Month Rewards: Ulta gives you a birthday reward. It lasts for the whole month. You earn double points. This is on purchases during this time. This gives more value. Other programs have shorter reward times.
Defined Loyalty Tiers: The program has many levels. These give more benefits. This is as you move up. This makes you want to keep using it.
Dedicated Mobile App: Ulta's app lets you track points easily. See rewards. And shop. This makes it easier to use.
Ulta and Target Partnership: You can earn points. This is on Ulta products. Buy them at Target stores. This makes the program reach more people. It adds value. This is for shoppers who go to both stores.
Ulta Beauty Rewards is known for many members using it. The program has over 32 million members. These members make almost 95% of Ulta's sales. Members in the top two levels spend about $1,700 each year. This shows the program works well. It builds strong customer loyalty. It also brings in a lot of money.
Macy's Star Rewards (Macy's)
Macy's Star Rewards is an old department store loyalty program. It helps people who shop often.
Program Name & Retailer: Macy's Star Rewards (Macy's)
How to Join: How to join is different.
For Macy's Cardholders: If you have a Macy's Card, you are in the Star Rewards Program. This happens automatically.
For Non-Cardholders:
Join in any Macy's store.
Join online at macys.com/starrewards.
Join using the Macy's app.
Linking Star Rewards to an Online Account:
If you do not have an online account:
Go to macys.com/mystarrewards. Choose 'Create an account'.
Fill in the info asked for. This is to make your account.
Add your Star Rewards membership. Choose 'Already a member?'. Answer the questions:
If you have a Macy's Card, give your Macy's Credit Card details. Or Macy's American Express® Card details.
If you are a Bronze member, type your phone number. Also your birthday. These are linked to your membership.
If you have an online account:
Go to macys.com/mystarrewards. Log in with your email and password.
Add your Star Rewards membership. Choose 'Already a member?'. Answer the questions:
If you have a Macy's Card, give your Macy's Credit Card details. Or Macy's American Express® Card details.
If you are a Bronze member, type your phone number. Also your birthday. These are linked to your membership.
Earning Rewards: You earn points. This is on every purchase. Macy's cardholders earn more.
Key Perks & Savings: You get Star Passes. These are for extra savings. Birthday offers. And free shipping for top levels.
What Makes It Stand Out: The level system is good. Especially for cardholders. It gives many benefits. This makes it one of the best rewards programs for department store shopping.
Dick's Sporting Goods ScoreCard (Dick's Sporting Goods)
Dick's Sporting Goods ScoreCard is a great loyalty program. It is for athletes. Also for people who love the outdoors.
Program Name & Retailer: Dick's Sporting Goods ScoreCard (Dick's Sporting Goods)
How to Join: Sign up for free online. Or in-store.
Earning Rewards: You earn points. This is for every dollar you spend.
Key Perks & Savings: You get ScoreCard rewards papers. You can use these on future purchases. You also get special discounts. And a birthday offer.
What Makes It Stand Out: The program gives special access. This is to events and deals. This is great for sports fans.
Home Depot Pro Xtra (Home Depot)
Home Depot Pro Xtra is for pros. Also for serious DIYers. It gives special rewards and tools.
Program Name & Retailer: Home Depot Pro Xtra (Home Depot)
How to Join: Sign up for free online. Go to HomeDepot.com/ProXtra. Or in-store.
Earning Rewards: You earn points. This is on your purchases. You also get special discounts.
Key Perks & Savings: This program offers many good benefits.
Sign-up bonus: Get a $20 coupon. This is off a $200 purchase. Just for joining.
Exclusive discounts: Get special coupons. Save up to 20% off paints. Also stains and primers. Get limited-time deals. Discounts change. This is based on your membership level. (Member, Elite, VIP).
Pro Xtra Perks: Earn rewards points. This is on purchases. You can use these for tool rental fees. Or Home Depot items.
Exclusive online tools: Use tools like an online quote tool. This is for special or big orders. You also get a detailed list of past buys. Elite and VIP members get special help.
Access to a network of other professionals: Use the Path to Pro Network. Connect with others in your field. Talk about new ideas. Get advice. Find people to hire.
What Makes It Stand Out: The special tools and discounts. These are for pros. This makes this program unique. It is one of the best loyalty programmes for builders.
Lowe's MyLowe's Rewards (Lowe's)
Lowe's MyLowe's Rewards is for DIY and Pro customers. It gives special benefits. This is for home improvement.
Program Name & Retailer: Lowe's MyLowe's Rewards (Lowe's)
How to Join: Sign up for free online. Go to Lowes.com. Or in-store.
Earning Rewards: You earn points. This is on your purchases.
Key Perks & Savings: You get special offers. Free standard shipping. And exclusive discounts.
What Makes It Stand Out:
"With MyLowe's Rewards, Lowe's is now the only national home improvement retailer with distinct loyalty offerings that cater to both Pro and DIY customers."
Lowe's MyLowe's Rewards is special. It is simple. It gives instant value. It wants you to shop more often. The program is more than just buying things. It puts loyalty into every time you talk to them. This builds relationships. It uses special experiences. And good offers. Even employees get Silver Key membership. This happens automatically. This helps them support the program. Also, even the lowest level members get benefits. This stops you from feeling like you are at the 'bottom'. All perks are for every member. Higher levels just earn rewards faster.
Lowe's MyLowe's Rewards uses your customer info. It gives you special content. Offers. And ideas. This info also helps their AI helper, Mylow. Mylow helps homeowners find products. And fix-it guides. This smart use of info lets Lowe's give special value. It is based on what you like. And your job. This makes your whole experience better.
Kroger Plus Card (Kroger)
Kroger Plus Card is a must-have. It is for grocery shoppers. It gives instant savings. And gas rewards.
Program Name & Retailer: Kroger Plus Card (Kroger)
How to Join: Get a card at any Kroger store. Register it online.
Earning Rewards: You get instant savings on groceries. You also earn gas points. This is for every dollar spent.
Key Perks & Savings: You get special digital coupons. And personalized offers. Gas points save you money. This is at Kroger gas stations.
What Makes It Stand Out: It has grocery savings. And gas rewards. This makes this program very useful. It is for daily needs. It is one of the best examples of loyalty programs for groceries.
Amazon Prime Rewards Visa Signature Card (Amazon)
The Amazon Prime Rewards Visa Signature Card is strong. It is for Amazon Prime members. It gives a lot of money back.
Program Name & Retailer: Amazon Prime Rewards Visa Signature Card (Amazon)
How to Join: Apply for the card. Do this through Amazon.com or Chase. You must be an Amazon Prime member. This is to get all the benefits.
Earning Rewards: You earn money back. This is on many purchases.
Earn unlimited 5% back. This is at Amazon.com. Amazon Fresh. Whole Foods Market. And on Chase Travel℠ buys. You need a Prime membership.
Earn unlimited 2% back. This is at gas stations. Restaurants. And on local travel. (Including rideshare).
Earn unlimited 1% back. This is on all other purchases.
Prime Card Bonus: Earn 10% back or more. This is on certain items. And groups. On Amazon.com. You need a Prime membership.
You earn 3 points. This is for every $1 spent (3% back). This is at Amazon.com. Amazon Fresh. Whole Foods Market. And on Chase Travel purchases.
You earn 2 points. This is for every $1 spent (2% back). This is at gas stations. Restaurants. And on local travel. Including rideshare.
You earn 1 point. This is for every $1 spent (1% back). This is on all other purchases.
Key Perks & Savings: You get a $50 Amazon.com Gift Card. ($250 for Prime members). This is instant. It goes into your Amazon.com account. This is when your credit card is approved. You also pay no yearly fee. And no fees for foreign buys.
What Makes It Stand Out: The high money back rates. This is on Amazon purchases. This card is key for Prime members. It is one of the best loyalty program examples for online shopping.
How to Get the Most From Your Rewards
Combine Deals and Sales
You can save even more money. Always try to mix discounts and sales. Many stores let you use rewards with sale prices. You can also use coupons. This means you save twice. Look at store rules or app details. Find these chances to save. You might find days for extra points. Or special savings. These are good ways to get more value.
Know When Rewards Expire
Do not let your rewards disappear. All reward programs have rules. They say when points expire. You must know these dates. Check your account often. Use your points before they are gone. This makes sure you get full value.
Get Offers Just for You
Stores try to make offers for you. They use what you buy. They use what you like. You get messages just for you. These can be texts or emails. They remind you about rewards. You also see pages showing your points. These are ways stores make offers special. They might give early access to sales. This is for certain levels. You see special rewards for items you might like. Stores use your past buys. They use what you like. They use your feedback. This helps them give you offers you want.
Use Digital Wallets for Rewards
Make shopping easier. Use digital wallets. You can add your reward cards. Put them in Apple Wallet or Google Wallet. This lets you use them fast at checkout. You do not need plastic cards. This is a benefit of digital wallets. You get updates on points right away. This makes you a more loyal customer. It makes shopping better.
Make Good Loyalty Programs with Loyally.ai
Businesses can learn from these examples. They can make their own good reward programs. Loyally.ai is a great tool for businesses. It helps you build strong customer loyalty. Loyally.ai has digital reward cards. You can make stamp cards. Or point cards. Or membership cards. Also discount cards. And cashback cards. Plus coupon cards. And gift cards. It has a system to manage customer info. You can send many messages. These are for certain customers. Location tools help bring people to your store. Sharing tools help you get more customers. Digital cards go right into Apple Wallet. They also go into Google Wallet. No extra apps are needed. Loyally.ai is simple to use. It costs less. It shows you how your program is doing. This helps you make it better. These good programs show businesses what to do. Loyally.ai's saying is: "The only solution needed to revive, retain, and grow repeat customers.
You now know retail loyalty programs are great. They save you money. They make shopping better. Pick programs that fit you. Businesses can use Loyally.ai. It helps with customer loyalty. This program has digital loyalty programs. You can change them. It has a CRM for customer data. It sends free PUSH messages. It has location marketing. It gives detailed reports. It helps with sharing. Loyally's digital cards go right into Apple Wallet. They also go into Google Wallet. This makes it easy for customers. It works well for businesses. It makes customers happier. Start with Loyally.ai now!
FAQ
How do loyalty programs save me money?
Loyalty programs offer discounts, points for future purchases, and exclusive deals. You get cash back, free items, or special access. These benefits reduce your overall spending. They make your shopping budget go further.
What should I look for in a good loyalty program?
Look for clear ways to earn rewards. Check the value of the rewards. Make sure the program offers benefits you want. Consider programs with high redemption rates. This means other shoppers find them valuable.
How can I maximize my rewards?
Combine your rewards with sales and coupons. Understand when your points expire. Use them before they are gone. Take advantage of personalized offers. These offers match your shopping habits.
Can I use digital wallets for my loyalty cards?
Yes, you can! Many programs let you add your loyalty cards to Apple Wallet or Google Wallet. This makes them easy to access. You can quickly use them at checkout. This also helps you track your rewards. 📱
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