Are Store Rewards Programs Worthwhile? (by NerdWallet) page context
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Are store rewards programs worthwhile? See when loyalty programs pay off, how to maximize perks, and when to decline. Read NerdWallet's expert take now.
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Retailers love asking shoppers to join free rewards programs at the register.
You grab the gallon of milk you forgot yesterday, pick up the cheapest toothpaste, and head over to the checkstand.
From department stores to drugstores, retailers are asking consumers to enroll in rewards programs, also called loyalty programs, for access to better deals.
That warning comes from Kurt Jetta, CEO and founder of retail and consumer analytics firm TABS Analytics.
The benefits of rewards clubs, however, include exclusive coupons , early access to sale events, and rewards points that can be redeemed for discounts or products.
Rather than signing up for several programs, it may be more beneficial to stick with one or two you’ll use frequently.
“The perks really go with people who spend the most with a certain brand,” says Bob Phibbs, CEO of consultancy firm The Retail Doctor.
If you’ve already signed up for several programs, read the fine print on promotions to help you cut back.
Some rewards programs get better over time if you’re willing to wait.
In 2015, for example, Starbucks announced partnerships with Spotify and The New York Times to give members access to free music and content.
So when should you add another store rewards program card to your already crowded key ring?.
Otherwise, politely decline when the cashier asks you to sign up.
Courtney Jespersen is a staff writer at NerdWallet, a personal finance website.
This article was written by NerdWallet and was originally published by The Associated Press.
The article Are Store Rewards Programs Worthwhile?.
© Copyright 2016 NerdWallet , Inc.
It depends on how you shop.
According to the 2015 Colloquy Loyalty Census, the average U.S.
Stick with one or two programs you use frequently rather than signing up for several.
Experts describe rewards programs as an agreement between the store and the shopper.
You should enroll only if you shop at a store frequently and will actually use the benefits.
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1 The Reality Behind Rewards Programs.
2 Maximizing the Benefits.
3 Deciding to Enroll.
Frequently Asked Questions.
Are store rewards programs worth signing up for?.
How many loyalty programs does the average household join?.
How can I maximize the benefits of a rewards program?.
Why do stores want me to join their rewards program?.
When should I decline a store rewards card?.
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The 2015 Colloquy Loyalty Census.
courtney@nerdwallet.com.
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