LOYALTY programs are a great way to save cash because it is an easy way to get discounts.
Here is what you need to know about the loyalty programs at some of the biggest retail stores.
Costco has a membership program, and there are two levels: Gold Star and Executive.
The Gold Star membership is $60 annually and the Executive membership is $120 annually.
Though the membership is a little steep, many people have said it is worth it.
By shopping in bulk, Costco’s membership program gives customers the chance to save money on hundreds (if not thousands) of everyday household and grocery items.
Costco also has a credit card that can help shoppers save even more.
Shoppers will get an additional 2% cashback on every purchase and 4% back on fuel that they purchase at gas stations.
Just remember to use credits cards responsibly.
If you do apply for one and you get accepted, make sure to pay off your balance in full each month – or you risk damaging your credit score.
You could also be hit with interest and late payment fees.
The Kroger loyalty card is called the Kroger Co. Family of Stores Loyalty Program.
Whenever you use this loyalty card, you will earn one fuel point for every $1 you spend.
Fuel Points that are earned can easily be redeemed at any of its fuel centers or partner fuel centers to get money off.
Kroger also has a reward debit card program, which allows shoppers to enjoy 50% more fuel points on grocery purchases every day.
Plus, shoppers get a 2% discount on brands like Simple Truth and Kroger.
There is also no annual fee associated with this card.
Target’s loyalty program is called Target Circle.
This program allows shoppers to earn 1% in Target Circle earnings rewards every time they make eligible purchases with a non-RedCard payment.
You do not have to have a Red Card credit card to be a part of the Target Circle rewards program.
However, the Red Card does have some pros to it.
Cardholders get a 5% discount at all Target stores and the card automatically enrolls you in Target Circle.
Trader Joe’s does not offer a loyalty program, sales, or coupons at their stores.
Trader Joe’s believes every customer should have access to the best prices on the best products every day.
Walmart’s loyalty program was launched in 2020, and it is called Walmart+.
Shoppers become members of the loyalty program to have access to its benefits.
It provides members with free home deliveries, fuel discounts and a scan-and-go shopping feature in Walmart stores for an annual $98 fee.
In mid-2021, the retail store also teamed up with Ibotta, a cashback and rewards platform and app, to offer its customers even more savings.
Walmart also has a credit card that can help you save some cash too.
Shoppers can earn 5% cash back at Walmart.com (including pick up & delivery), 2% cash back at Walmart stores and fuel stations, and 1% cash back everywhere else Mastercard is accepted.
But again, keep in mind that credit cards are not suitable for everyone and must be used responsibly.
Whole Food had a loyalty program called the 365 Rewards program; however, the grocery store shut it down in May 2018.
Whole Food now offers Amazon Prime members discounts on sale items and select popular products.
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