Believe it or not, I have been known to shop and buy the occasional overpriced frothy beverage. Two weeks ago I realized I had no clothing. I’m not sure if men experience this, but all women reach a point when they realize nothing in their closet is wearable. I am no fashionista and yet I still experience this plight. After a few weeks of putting off the stress of shopping in New York, I planned a stress-free mall crawl with my mother in Charlotte over the Fourth of July holiday. Sales were abundant and I felt so accomplished as I headed to the cash register. Then the friendly cashier said, “Would y’all be interested in opening a Limited card? It is really quick and will save you an additional 15% on your purchases!” I froze and frantically calculated the ramifications of opening a new credit card at a store I rarely frequent, but then again…15% off! Of course, I opted against a new credit card. However, loyalty cards can be a valuable asset.
I have a few loyalty (or loyalTEA for Argo Tea) cards myself and take great pleasure in sneaking other people’s meals, drinks or movie tickets on my rewards cards for added points. But while doing research for this post I realized I’m not too reward program savvy, because my friends, family and Broke Millennial Twitter followers had some “reward” winning tips!
(You see right, I’m only one punch away from a free bubble tea!)
- 16 Handles: (Frozen Yogurt): 1 point per $1 spent. $5 reward per 50 points. I’m pretty sure they also have a punch card for a buy 10 get 1 free deal.
- DSW: Members only rewards coupons, collect points for to dollars off, birthday coupons and advance notice about sales.
- Safeway: Frankly, I’ve never heard of Safeway but a few people mentioned it so on the list it goes! Plus, a deal on gas is probably nice.
- Regal Cinema’s Regal Crown Club: One point per dollar with a max of 20 points per visit. Points can earn you a soda, popcorn and eventually free movie ticket. It makes me a little sick to my stomach I have to spend $150 in movie tickets to get a free one, but it makes me even more sick to my stomach that doesn’t even equate to 15 movies.
- Rite Aid Wellness Program: Deals on sale items and points add up to getting a coupon for XX% off an entire purchase.
- CVS ExtraCare Program: Extra savings with personalized coupons and bucks back CVS dollars.
- Starbucks Gold Card: Birthday deals, points towards free food or beverages and free refills.
- Sephora Beauty Insider Program: The birthday rewards seem to be the most popular, but you also get points to redeem for makeup.
- Anthropologie: Free shipping periods, birthday deals, special promotions and advance notice on sales.
- Greyhound Road Rewards: My personal favorite, as I’m sure you know.
- Best Buy Reward Zone: $1 = 1 point and 250 points = $5 reward card.
- I usually ask about loyalty cards for any coffee, tea, clothing or restaurant I tend to frequent, especially local (non-chain) shops.
- Library Card- hopefully no hyperlink is needed for this one. Get to your library!
Popular credit card loyalty programs:
I would like to preface this section by saying don’t apply for credit cards on a whim. Make sure you understand the APR, annual fee(s) and how establishing another line of credit could impact your credit score.
- Target Red Card (Credit or Debit): Automatic 5% off in Target stores, free shipping and an extra 30 days for returns.
- GAP visa: You earn a $10 rewards card for every $200 spent in the stores or on the sites. You also get 1 point per $1 spent elsewhere. $10 card for every 1,000 points earned. Users can redeem awards at GAP, Old Navy, Banana Republic, PiperLime and Athleta. There are also birthday deals and other in-stores offers.
- United Milage Plus Visa: Racking up miles isn’t too shabby, especially if you’re a frequent traveler.
- Marriott Rewards Premier Visa: After you fly on your racked up miles stay in a Marriott with your points!
- Hilton HHonors American Express: Or a Hilton…
- Express, Victoria Secret, Limited and pretty much anywhere you shop will have credit card offers. Proceed with caution.
For you coupon hungry folks try checking out Frugal Find Friday: Extreme Couponing, The Online Edition
What’s your favorite loyalty program?
A handful of my favorite posts this week: