10 Loyalty Programs That Actually Save You Money (and Aren’t a Scam)
These loyalty programs reward your spending with real savings and perks—no gimmicks involved.
- Chris Graciano
- 2 min read
Loyalty programs are everywhere, but not all of them offer real value. Some are just data grabs, while others barely give anything back. We’ve rounded up 10 proven loyalty programs that actually put money back in your pocket, without shady fine print or pointless hoops.
1. Target Circle
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Target Circle offers 1% back on every purchase, exclusive deals, and personalized coupons. It’s free to join, and the savings stack up quickly—especially for families.
2. Starbucks Rewards
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Every dollar spent earns you stars that quickly turn into free drinks, food, and customizations. Mobile ordering, birthday freebies, and double-star days sweeten the deal.
3. CVS ExtraCare
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CVS ExtraCare members earn 2% back in ExtraBucks on most purchases and get access to members-only sales. Pair it with the CVS app to score digital coupons and pharmacy rewards.
4. Kroger Plus Card
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The Kroger Plus Card helps you save instantly at checkout and builds fuel points with every grocery run. Points convert into gas discounts, sometimes up to $1 off per gallon.
5. Sephora Beauty Insider
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With Sephora’s Beauty Insider, you earn points for every dollar spent, unlocking deluxe samples, gifts, and VIP access. Members also enjoy birthday rewards and early access to new products.
6. Chick-fil-A One
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Earn points for every order through the app and redeem them for menu favorites. You also get surprise treats, birthday rewards, and faster service with mobile orders.
7. Shell Fuel Rewards
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Link your debit or credit card and start saving on gas immediately—usually 5¢ per gallon, with the potential for more. Dining, online shopping, and travel bookings can stack even more rewards.
8. Panera Bread MyPanera
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Score personalized rewards, surprise discounts, and even free bakery items. Frequent diners get free coffee subscriptions and exclusive promos.
9. Walgreens myWalgreens
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Earn 1% Walgreens Cash on eligible purchases, plus 5% on Walgreens-branded items. You also get exclusive coupons, health tracking tools, and bonus cash for vaccinations.
10. REI Co-op Membership
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This one’s not free—it’s a $30 lifetime fee—but it pays for itself fast. You get 10% back on eligible purchases annually, access to special events, and deep discounts on rentals and gear.