CVS ExtraCare
Free loyalty program at 9,000+ CVS pharmacies — 2 % back as ExtraBucks Rewards ($1 = $1 off next purchase) plus stackable weekly promos, coupons and pharmacy rewards; ~$50–100+/year.
myWalgreens
Walgreens' free loyalty program at ~8,000 US locations — 1 % Walgreens Cash on everything plus member-only pricing and digital coupons where the real savings hide ($50–150/year).
Kroger Plus Card
Free loyalty program for the largest US supermarket chain (2,700+ stores under Ralphs, Fred Meyer, Harris Teeter, King Soopers, Fry's) — fuel points for discounts at Kroger Fuel Centers and Shell stations.
Costco
Paid warehouse club ($65/year base, $130 Executive) — bulk groceries, electronics, gas, pharmacy, optical and travel at ~15 % markup; Executive earns 2 % annual reward; realistic savings $200–600/year.
Food Lion MVP Card
Free loyalty card unlocking member-only pricing and digital coupons at 1,100+ Food Lion stores across 10 Southeast/Mid-Atlantic states — savings instant at checkout, ~$15–40/month.
Sam's Club
Warehouse club at ~600 US locations ($60/year base; $120 Plus tier earns 2 % Sam's Cash) — bulk pricing on groceries, electronics, tires, fuel and more.
YMCA
Paid membership at 2,597 US YMCA locations — gym access, pools, group fitness, free childcare during workouts plus nationwide reciprocity, $30–90/month adults, $80–140 families.
Starbucks Rewards
Starbucks' free loyalty program — Stars on every purchase across three tiers (Green/Gold/Reserve as of March 2026), baseline 5–6 % return, redeemable for free drinks, food and customizations.
ScoreCard
Free loyalty program from DICK'S Sporting Goods + Golf Galaxy, Public Lands and Going Going Gone — 1 point/$, $10 reward per 300 points (3.33 % back) plus MOVE fitness tracker bonus.
MyPanera
Panera Bread's free loyalty program at 2,200+ US locations — transitioning to transparent 10 points/$ system in 2026; paid Unlimited Sip Club add-on ($14.99/month) is the standout.
MyLowe's Rewards
Lowe's free loyalty program at all 1,700+ US stores — 1 % back as MyLowe's Money credit (1.5 % beyond $2,000/year) plus free shipping perks and quarterly member sales events.
Ace Rewards
Free loyalty program for Ace Hardware (5,200+ locally-owned stores in US) — 10 points/$ with 2,500 points = $5 reward (2 % back), no credit card required.
My Best Buy
Loyalty program for ~1,050 Best Buy stores + bestbuy.com — free tier no points without credit card; from June 2026 paid Plus/Total tiers earn 1 % back, stacks to 6 % with Best Buy credit card.
AAA
America's largest membership organization ($65–125/year) — 24/7 roadside assistance, 100,000+ partner discounts, identity theft monitoring and travel agency; active members save $200+/year.
BJ's Wholesale Club
Warehouse club at ~280 locations across 21 Eastern US states ($60/year Club Card; $120 Club+ earns 2 % back) — warehouse pricing 25–40 % below retail plus coupon stacking advantage over Costco.
My Sheetz Rewardz
Free loyalty program for Sheetz convenience stores (820+ across 7 Mid-Atlantic and Midwestern states) — 5 points/$ for free items plus instant 3¢/gallon off fuel just for signing up (3–5 % effective).
ShopRite Price Plus Club
Free loyalty card at ~313 ShopRite stores across 6 northeastern states — instant member-only pricing on hundreds of items plus digital coupons; realistic savings $150–400+/year.
Harris Teeter VIC Card & Fuel Points
Free VIC card unlocking sale prices at ~260 Harris Teeter stores in southeastern US — also earns Fuel Points (1/$) redeemable for up to $1/gallon off at Harris Teeter Fuel Centers, BP and Amoco.
Ingles Advantage Card
Free loyalty card for Ingles Markets (197 stores across NC, GA, SC, TN, VA, AL) — member-exclusive pricing on thousands of items plus fuel points at Ingles Gas Express and participating stations.
Giant Eagle myPerks
Giant Eagle's free loyalty program at ~200 supermarkets in PA, OH, WV, MD, IN — 2 % back as perks redeemable for groceries or fuel at GetGo stations; better with Pro status or Own Brand.
Weis Rewards
Weis Markets' free loyalty program (~200 stores across PA, MD, NY, NJ, DE, WV, VA) — 1 point/$, redeemable for fuel discounts or deeply discounted grocery items; realistic $40–80/year.
Dunkin' Rewards
Dunkin's free loyalty program at ~10,000 US locations — 10 points/$ on coffee, donuts and breakfast, redeemable for free drinks and food starting at 150 points (5–6 % base return on drinks).
Stop & Shop GO Rewards
Stop & Shop's free loyalty program at ~365 Northeast US supermarkets (MA, CT, NJ, NY, RI) — 1 point/$ redeemable for grocery discounts or fuel savings at Stop & Shop and Shell.