How to Save Money Using Store Loyalty Programs

posted in: Shopping Tips


Here’s the deal. If you shop regularly with specific retailers without taking advantage of their loyalty programs, you’re leaving money on the table.

Loyalty programs are a tool that retailers use to get you to shop with them instead of their competitors, and the better programs make it well worth it for you, the consumer! Here are 15+ of the best store loyalty programs that are worth a look!



Bed, Bath & Beyond

I don’t love the idea of paying a fee for a loyalty program, but if you’re a regular Bed, Bath & Beyond shopper, the $29 annual fee for their Beyond+ program might just be worth it. Members receive 20% off their purchases plus free shipping all year (exclusions apply). 




Best Buy

The My Best Buy Rewards program has three levels. MyBestBuy members receive 1% in rewards or 0.5 for every dollar spent, access to exclusive offers, 15 days to return and a birthday gift.

Spend $1500 or more to qualify for MyBestBuy Elite and receive 2% back in rewards and one point for every dollar spent, 30 days to return, free shipping with no minimum, and advance access to sales.

Spend $3500 or more in a year and qualify for MyBestBuy Elite Plus where members receive 2.5% back in rewards, 1.25 points for every dollar spent, free 2-day shipping, 45 days to return and extra advance access to sales. 

All members receive additional points when they shop with their Best Buy credit card. 

shopping for shoes




Members of Bloomingdale’s Loyallist program can earn one point or more at stores, outlets and the Bloomingdale’s website, and double points on most shoes, beauty products, and fragrances. When 5,000 points are reached, members receive a $25 reward card.

There’s also the “perk of the month” and free shipping with no minimum. 





The CVS ExtraCare program is free to join and members earn 2% back every time they use their ExtraCare card.

Members also have access to exclusive sales and promotions, which are quite generous, but available for a very limited time.

dress shoes




With the VIP loyalty program from DSW, members earn one point for every dollar spent, receiving a $5 reward for every 100 points. Members will also receive $5 off on their birthday, free shipping and can receive 50 points for donating a pair of shoes at a DSW store.

Gold level is reached when you spend $200 in a year, two days per year where you can earn double points, free return shipping within 60 days and early access to select product launches.

Elite level is earned when you spend $500 in a year. Elite members receive two points for every dollar spent, free return shipping for up to a year, one day per year when triple points can be earned and $10 on their birthday and free 2-day shipping.





With the Yes2Rewards program, members receive a free birthday gift and the ability to earn one point for every dollar spent.

Each month, members earn a $5 reward for every 100 points earned that month and there are special events where you can earn even more rewards. The rewards are generous, but you only have 30 days to redeem your rewards.

clothing store




Non-cardholders can sign up for the Bronze level of Macy’s Star Rewards program, which allows members to earn rewards when they shop (extra on Star Days), exclusive perks and a birthday surprise. 

Depending on the spending level in a given year, Macy’s cardholders qualify for Silver, Gold and Platinum levels, which come with expanded benefits, including free shipping and 25% off on your day of choice. Become a Macy’s cardholder for even more perks.

hiking gear




With Moosejaw Rewards, members receive 10% in Moosejaw Rewards Dollars on every full-priced item they purchase and 2.5% on discounted items.

Rewards dollars can be applied towards purchases in-store or online. Members who spend $500 or more per year qualify for the High Altitude program, which unlocks additional benefits, like an annual Madness gift, private sales, and free shipping.

the north face



The North Face

With the VIPeak loyalty program, customers earn five points for every dollar spent in-store or online and one point for every dollar spent at the North Face Outlet.

Members receive a $20 reward for 2,000-3,499 points, $25 for 3,500 – 4,999 and $30 for 5000 or more. 

clothing store



The Nordy Club from Nordstrom offers its members one point for every dollar they spend at Nordstrom, Nordstrom Rack, and Hautelook.

There are promotions when members can earn extra points on specific items and by using the app, even more points can be earned. Members also have access to exclusive events and gain even more access the more they spend.

office supplies


Office Depot

With the Rewards loyalty program from Office Depot, members can earn 2% back on what they spend, $2 back for recycling ink and toner cartridges and have access to exclusive sales.

Extra rewards can be earned for posting reviews. If $500 is spent in a calendar year, members reach VIP status, which unlocks 5% back in rewards on ink, toner and select services, free shipping and more exclusive perks, including a special offer on their birthday.

pet dog



With the Pals loyalty program, members can get 5% back by earning one point for every dollar they spend. Reach 100 points and receive a $5 reward, which can be used online or in-store. 

Members also receive a birthday gift, free shipping on Repeat Delivery and opportunities to earn extra points.

outdoor clothes



REI offers lifetime membership to their Co-op program for $20. Members receive a 10% dividend every year (based on what they spent that year), members-only offers, like classes and bike servicing, and exclusive access to REI Garage sales, where prices in the 50% off or more are available for gently-used items and returned items. 




The Sephora Beauty Insider program allows members to receive a gift on their birthday and to earn one point for every dollar spent.  If you spend over $350 per year, you qualify to be a VIB member, earning 1.25 points per dollar.

Rouge status, which allows you to earn 1.5 points per dollar, is achieved if you spend over $1000 per year. Points can be exchanged for a variety of things, including gift sets, gift cards, and experiences, like meeting brand founders.

Members also receive their choice of a beauty gift on their birthday and more options are granted to VIB and Rouge members.

cup of coffee



The My Starbucks Rewards program is through the Starbucks app. Members earn two “stars” for every dollar spent, a birthday reward, free in-store refills and more.

On April 16, the rewards program is going through an upgrade, which will feature even more benefits, like double star-days and exclusive offers.

Related: Click here for my roundup of over 30 restaurants that offer free food for members. 



Tarte Cosmetics

Join the Tarte Rewards program and receive a birthday gift and the ability to earn points when you purchase items on their site. Their points system is as follows: 100 points for full-size foundations and palettes, 50 points for other full-price items and 25 points for sale items on the brand’s site.

Members can also earn points for completing your beauty profile, engaging with the brand on social media, referring friends and taking other actions.  Earn 2,000+ points to unlock benefits, like free shipping, free deluxe samples and more.

hand lotion



Ultamate Rewards members earn a point for each dollar they spend – two points with the Ultamate Rewards credit card – and points can be used toward future purchases.

Members can earn 5x points on select products and during their birthday month, can earn double points plus a gift on their birthday. If members spend over $450 in a year, they qualify for Platinum level, where added benefits include the increase of 1.25 points per dollar spent and a $10 birthday coupon.

If members spend $1,200, they qualify for Diamond level, which unlocks even more perks, like 1.5 points per dollar spent and an annual $10 gift card. Members can track their points using the Ulta app.

prescription pills



With Balance Rewards, members can earn points every time they shop ($5 every 5000 points, as an example) and receive members-only offers.

You can access rewards by using your Balance Rewards card or scanning items with the Walgreens app.


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Smart Shopping Expert

Trae Bodge is an accomplished lifestyle journalist and TV commentator who has specialized in smart shopping, personal finance, and retail for more than a decade. She has appeared on TV over 1,000 times; including Today Show, GMA3, NBC Nightly News, Inside Edition, and network affiliates nationwide. She has been named a Top Voice in Retail by LinkedIn, and her expert commentary has appeared in Forbes,, Kiplinger, Yahoo Finance, and numerous others.