Reward programs are one of the best ways companies can build brand loyalty, and one of the best ways shoppers can save money on the items they love. Combined with coupons and other offers, loyalty programs help members score steep discounts every time they buy.

What is a Rewards Program?

A rewards program, or loyalty program, is a perk that offers shoppers discounts and other benefits as a thank you for shopping with the company. Retailers often use a marketing strategy, with each rewards program working differently, but members are likely to earn points, save a flat percentage off every purchase, or score a freebie at regular intervals. 

Rewards programs can also be called “memberships” or “clubs,” but the best ones don’t cost anything to join. Shoppers simply provide the store some basic information like name, phone number, and email address, and then start earning rewards. Sometimes, shoppers can earn access to discounts and benefits by meeting a certain spending threshold.

What Stores Have Rewards Programs?

In today’s competitive market, a wide range of stores offer a customer reward program of some sort. The best way to understand exactly how a given loyalty program works is to read up on the details, so we’ve outlined the best 18 customer loyalty programs below.

• Bed Bath & Beyond
• Bath & Body Works
• Best Buy
• CVS
• Dick’s Sporting Goods
• Home Depot
• JCPenney
• Kohl’s
• Macy’s
• Nordstrom
• OfficeDepot
• Old Navy
• Petco
• Sephora
• Target
• Ulta
• Walgreens
• Walmart 

Quick picks to start saving fast

Not sure where to start? These memberships are a great “first click” depending on what you buy most often.

Top pick	Why it’s worth it	Cost	Jump to
⭐ Best “set it and forget it” free rewards	Earn 1% back on purchases and unlock deals in the app.	Free	Target Circle
⭐ Best free rewards if you shop often	Earn 5% back in Kohl’s Cash-style rewards (and more if you have their card).	Free	Kohl’s Rewards
⭐ Best for pharmacy and everyday essentials	Earn 2% back in ExtraBucks Rewards and get personalized offers.	Free	CVS ExtraCare
⭐ Best paid membership for delivery perks	Free delivery on eligible $35+ orders, fast shipping, and fuel savings.	$12.95/month or $98/year	Walmart+
⭐ Best for tech support and protection	Paid tiers add member pricing, extended returns, and (with Total) tech support + protection plans.	Free–$179.99/year	My Best Buy
⭐ Best for pet parents who buy food or book grooming	Premier adds monthly rewards and stronger everyday perks for nutrition, grooming, and vet services.	Free–$24.99/month	Petco Vital Care

Bed Bath & Beyond Rewards

Bed Bath & Beyond has a rewards program called Welcome Rewards+, which earns members 5% back with every single purchase plus free standard shipping and extended 60-day returns. However, this rewards program does cost $24.95 per year. 

What is the Welcome Rewards+ Program?

Beyond+ helps frequent shoppers save money on everyday purchases as well as professional design services. 

• Cost: $24.95 per year
• Discount: 5% back in rewards (5 points per $1 spent) every time you shop. For example, 500 points = $5 in rewards.
• Benefits: Rewards+ members also get free standard shipping year-round, plus $3 for leaving text reviews or $6 for reviews with photos. 
• How to apply: Sign up in-store or online

 

Bath & Body Works Rewards

Bath & Body Works has a loyalty program called My Bath & Body Works, or My B&BW for short. 

What is My Bath & Body Works?

My Bath & Body Works is a free customer rewards program where shoppers earn points in-store and online toward a free reward item of up to $18.95 in value. Shoppers earn credit for every dollar spent on eligible purchases.

• Cost: Free
• Discount: $10 off a $30 purchase. Then, earn 10 points per $1 spent; 1,000 points can be redeemed for a free product up to $18.95.
• Benefits: Members may also get special offers from time to time
• How to Apply: Sign up in-store, online, or through the Bath & Body Works app

 

Best Buy Rewards

Best Buy’s membership program is called My Best Buy. It includes a free tier plus two paid options (Plus and Total) with extras like member pricing, faster shipping, and added tech support. Before you check out, it’s worth a quick look at Groupon’s latest Best Buy promo codes.

What is My Best Buy?

My Best Buy is Best Buy’s membership program that offers free shipping and access to member perks. Depending on the tier you choose, benefits can include member-only prices, an extended return window, protection plans, and ongoing tech support.

• Cost: Free (My Best Buy). $49.99/year (My Best Buy Plus). $179.99/year (My Best Buy Total).
• Discount: Member-only prices on thousands of items with Plus and Total, plus exclusive access to select sales, events, and products (as listed by Best Buy).
• Benefits:
  • All tiers: Free standard shipping
  • Plus and Total: Free 2-day shipping, extended 60-day return window on most products
  • Total: Protection plans (including AppleCare+), free in-store and remote computer/tablet services, 24/7 tech support, VIP member support, and 20% off repairs
• How to Apply: Sign up online and choose your tier on Best Buy’s My Best Buy page.

 

CVS Rewards

CVS pharmacy offers a customer loyalty program called CVS ExtraCare, which helps shoppers score sale prices and earn ExtraBucks Rewards. 

What is CVS ExtraCare?

CVS ExtraCare is a free rewards membership program, and by signing up, shoppers will earn 2% back in ExtraBucks Rewards with every purchase, as well as exclusive sale prices and special offers.

• Cost: Free
• Discount: Earn 2% of eligible purchases back through ExtraBucks Rewards. Alcohol, lottery, money orders, and certain other purchases are ineligible for reward earnings 
• Benefits: Special offers will be printed on members' receipts and they'll also get exclusive offers via email, as well as in-store sale prices
• How to Apply: Sign up in-store or create an account online

 

Dick’s Sporting Goods Rewards

With a Dick’s Sporting Goods ScoreCard, shoppers can earn points toward rewards (300 points = $10) and gain access to exclusive discounts, coupons, and giveaways.

What is Dick’s Sporting Goods ScoreCard?

Dick’s Sporting Goods’ rewards customers carry a ScoreCard (or ScoreCard Gold, if they spend $500 or more per calendar year), and earn points on every dollar they spend toward valuable rewards. 

• Cost: Free
• Discount: Earn one point per $1 spent on qualified purchases, or two points per $1 when using a Dick’s Sporting Goods charge card (aka ScoreRewards credit card). ScoreCard Gold members earn three points per $1 on any one day of the calendar year they choose. Points value: 300 points = $10 reward to be redeemed at Dick’s.
• Benefits: ScoreCard members also earn access to exclusive offers, faster online checkout, and are the first to know about new merchandise and gear
• How to Apply: Create a ScoreCard account online or ask the sales rep in-store

 

Home Depot Rewards

The Home Depot offers the Pro Xtra Loyalty Program, where members earn exclusive perks just for shopping. The program is designed for building and contracting professionals who shop at The Home Depot often.

What is Home Depot’s Pro Xtra Loyalty Program

By joining The Home Depot’s free Pro Xtra Loyalty Program, members can earn exclusive offers delivered directly to their inboxes, as well as volume pricing on qualifying purchases of $1,500 or more. Pro Xtra members also save up to 20% on paints, stains, and primers in-store and online and can easily track their purchases.

• Cost: Free
• Discount: 20% off paints, stains, and primers, volume pricing on purchases of $1,500 or more, exclusive offers via email, snail mail, and The Home Depot app
• Benefits: Members also earn bonus perks like a free drink or snack
• How to Apply: Open a Pro account online or talk to an in-store sales rep

 

JCPenney Rewards

JCPenney offers a free rewards program, as well as a line of merchant credit cards, that can help customers earn points toward valuable coupons (200 points = $10 reward). The program is simply called JCPenney Rewards.

What is JCPenney Rewards?

JCPenney Rewards members earn points for every qualifying purchase they make, as well as getting access to exclusive bonus events to save even more.

• Cost: Free
• Discount: Get a $10 JCPenney Rewards coupon for every 200 points earned (earn 1 point per $1 spent, or 1.5 points per $1 spent for JCPenney cardholders)
• Benefits: Access to special savings opportunities available only to members as well as a free yearly birthday gift
• How to Apply: Sign up online by email address or talk to the sales rep in the store

 

Kohl’s Rewards

Beloved department store Kohl’s offers a rewards program that helps shoppers earn valuable Kohl’s Cash every time they spend. The program is called Kohl’s Rewards, and has replaced the Yes2You rewards program the store used to offer.

What is Kohl’s Rewards?

Kohl’s Rewards ups the ante by allowing members to earn 5% back on purchases every time they shop, which is issued in $5 increments of Kohl’s Cash on the first of each month. Members also receive birthday gifts and personalized perks to help them earn rewards even more quickly.

• Cost: Free
• Discount: Members earn 5% back on purchases in the form of Kohl’s Cash, and Kohl's cardholders earn 7.5% back. 
• Benefits: Members also get a special birthday gift, plus personalized perks and savings opportunities throughout the year
• How to Apply: Enroll online, on the Kohl’s app, or in store

 

Macy’s Rewards

The loyalty program at Macy’s is called Macy’s Star Rewards, and offers members the opportunity to earn 1% of eligible purchases back in the form of rewards points (along with higher tiers of earnings for Macy’s credit card holders). Points value: 1000 points = $10 in Star Money. For more ways to save, check out our Macy's Sales Calendar.

What is Macy’s Star Rewards?

Customers who love to get a discount at Macy’s and hold a Macy’s credit card can earn rewards at a faster rate, though the rewards program is available to all shoppers. Along with rewards, members get birthday surprises and other exclusive perks. 

• Cost: Free. Earn Silver Star Rewards status by paying with a Macy’s credit card, Gold Star Rewards status by spending $500–$1,199 per year on your Macy’s credit card, or Platinum Star Rewards status by spending $1,200 or more.
• Discount: Earn a $10 Star Money reward for every 1,000 points accrued. Bronze Star Rewards members earn 1% in points on eligible purchases, Silver members 2%, Gold members 3%, and Platinum members 5%.
• Benefits: All member tiers get a birthday surprise, access to Star Money Bonus Days and other exclusive offers, and Gold and Platinum members get free standard shipping with no minimum purchase price.
• How to Apply: Enroll in Star Rewards online or in-store, or apply for a Macy’s credit card to be automatically enrolled.

 

Nordstrom Rewards

Nordstrom’s customer loyalty program is called The Nordy Club, and like other rewards programs offers members the opportunity to earn points on their purchases toward coupons (called Nordstrom Notes) that can be used at Nordstrom. Get even more savings advice at Nordstrom.

What is The Nordy Club?

The Nordy Club is free and open to all Nordstrom shoppers, though Nordstrom debit and credit card holders can earn rewards at a faster rate. Earn 2,000 points to earn a $20 Nordstrom Note, which can be used at Nordstrom, Nordstrom Rack, HauteLook, or Nordstrom Trunk Club.

• Cost: Free
• Discount: Earn a $20 Nordstrom Note for every 2,000 points accumulated. Members earn one point per $1 spent, and debit card holders earn two points per $1 and credit card holders earn three points
• Benefits: Along with the accumulation of Nordstrom Notes, members also have the opportunity to earn bonus points at events throughout the year as well as free basic alterations and first-to-shop privileges on select brands
• How to Apply: Enroll online, in store or using the Nordstrom app

 

OfficeDepot Rewards

The OfficeDepot rewards program is shared by OfficeMax, and offers shoppers the opportunity to earn rewards by shopping, recycling, and leaving reviews.

What is OfficeDepot Rewards?

Shoppers who love a discount at OfficeDepot will love the free OfficeDepot/OfficeMax Rewards program, which also offers members access to exclusive Member Pricing and Bonus Rewards to help them save even more.

• Cost: Free
• Discount: Earn 2% of purchases back in the form of rewards, which are paid out monthly online (at a minimum of $3). Members can also earn $2 in rewards by recycling ink and toner cartridges up to 10 times per month or by leaving reviews up to three times per month.
• Benefits: Along with rewards, members also have access to special sales and pricing schemes and dedicated customer support.
• How to Apply: Join online or in-store

 

Old Navy Rewards

Old Navy offers a free-to-join customer rewards program called NAVYIST Rewards. Better yet, this loyalty program applies to purchases not only at Old Navy itself, but also at the wider family of Gap, Inc. retailers, including Banana Republic, Athleta, and Hill City. Read more in our Guide to Old Navy rewards.

What is NAVYIST Rewards?

Combined with existing Old Navy deals and everyday low prices, NAVYIST Rewards can go a long way toward helping you save. Earn two points for every $1 spent on eligible purchases across the Old Navy family of brands.

• Cost: Free
• Discount: Earn 1 points for every $1 spent online or in-store at Old Navy and other participating retailers; earn 100 points for a $1 reward to spend for accumulating 100 points. Navylist cardholders get 30% off their first purchase and earn 5 points for every $1 spent. 
• Benefits: Loyalty program includes multiple merchants in the Gap, Inc. family of brands. 
• How to Apply: Sign up online or ask an in-store sales rep for details.

 

Petco Rewards

Petco’s loyalty program is now called Petco Vital Care, and it comes in two tiers: a free option (Vital Care Core) and a paid plan (Vital Care Premier). Both give pet parents access to members-only pricing, personalized care reminders, and Vital Care Rewards on purchases — but Premier unlocks the biggest savings if you’re shopping regularly for food, grooming, or vet visits.

What is Petco Vital Care?

Along with coupons to use at Petco, Vital Care gives you built-in ways to save on everyday pet essentials. You can join Vital Care Core for free, or upgrade to Vital Care Premier for even more perks and predictable monthly rewards.

• Cost: Vital Care Core is free. Vital Care Premier costs $24.99 per month or $239.88 per year (annual commitment required).
• Discount: Premier members get 10% off every nutrition purchase and 20% off full-service grooming, plus every 8th groom free (perk must be unlocked in the app).
• Benefits: Premier includes a $15 Vital Care Reward every month (that’s $180 in yearly value) and unlimited routine vet exams at Vetco Total Care locations. Core members still earn Vital Care Rewards on purchases and get access to members-only pricing and offers.
• How to Apply: Sign up online, in the Petco app, or in store. Want help deciding? Check out our guides to Vital Care Core and Vital Care Premier to see which one fits your pet (and your budget) best.

 

Sephora Rewards

Beauty fiends will be pleased to learn that Sephora offers a rewards program called the Beauty Insider Loyalty Program, where shoppers earn seasonal savings as well as points they can redeem for free rewards. And if you're wondering when to expect the next big Sephora sale, check out our Sephora Sales Calendar.

What is the Beauty Insider Loyalty Program?

Beauty Insider members earn one point per $1 spent at Sephora (including Sephora purchases at JCPenney stands) in-store or online, and can also achieve VIB status by spending $350 per year or Rouge status by spending $1,000 per year.

• Cost: Free (with member tiers related to annual spending. See above)
• Discount: All members earn one point per $1 spent. During seasonal savings event, insiders get Sephora promo codes for 10% off, VIBs get 15% off, and Rouge members get 20% off
• Benefits: Members also get free standard shipping (though minimums vary based on tier) as well as dollar savings offers, free birthday gifts, sample Rewards and more
• How to Apply: Sign up in store or online

 

Target Rewards

Along with Target coupons, credit and debit cards, Target offers a free loyalty program called Target Circle, which lets shoppers earn 1% back on their purchases every day. 

What is Target Circle?

Along with earning rewards, Target Circle members get access to special deals and offers and a 5% off coupon to use as a birthday gift.

• Cost: Free
• Discount: Target Circle members earn 1% back in rewards. Target RedCard holders save 5% rather than earning Target Circle rewards.
• Benefits: Along with the extra perks described above, Target Circle members can also cast votes for nonprofits they want to support as part of Target’s Community Giving Program.
• How to Apply: Sign up for free online, using the Target app, or in store at checkout

 

Ulta Rewards

Another popular beauty destination, Ulta offers a loyalty program called Ultamate Rewards. Points earned can be redeemed on merchandise as well as in-store beauty services. Make sure you don't miss a single Ulta sales event with our Ulta savings guide.

What is Ultamate Rewards?

This free rewards program offers member tiers based on annual spending. Members get Platinum status for spending $500 or more per calendar year and Diamond status for spending $1,200 or more. Higher tiers come with higher rates of reward earnings as well as waived expiration dates on points.

• Cost: Free (see spending thresholds for reward tiers above)
• Discount: Points earned go toward rewards coupons ranging from $3 off to $125 off, which can be redeemed for items or services (higher tiers earn points more quickly)
• Benefits: Ultamate Rewards members also earn a free birthday gift and access to exclusive bonus point offers
• How to Apply: Sign up online, in-store or using the Ulta app

 

Walgreens Rewards

Walgreens offers a customer rewards program called myWalgreens, which has replaced the BalanceRewards program. The myWalgreens program allows shoppers to earn 1% in Cash rewards storewide as well as 5% on Walgreens-branded products.

What is myWalgreens? 

Along with earning Cash rewards that can be used in-store or online at Walgreens later, the myWalgreens program also automatically unlocks sale prices so members get the very best deal every time they shop. Walgreens Cash rewards can also be donated to help those in need in members' community.

• Cost: Free
• Discount: Earn 1% back storewide and 5% back on Walgreens-branded products, as well as bonus Rewards for reaching health goals.
• Benefits: The myWalgreens program also offers members access to sale prices, exclusive discounts and deals, and the ability to redeem Rewards instantly at checkout to save time.
• How to Apply: Join for free online or in store

 

Walmart Rewards

Along with Walmart coupon codes and Capital One Walmart Rewards credit card, Walmart has recently launched a loyalty program known as Walmart+, which offers free unlimited same-day delivery as well as fuel benefits and more. 

What is Walmart+?

Unlike other loyalty programs, Walmart+ doesn’t unlock extra discounts, but does help shoppers save time by enjoying a streamlined shopping experience. 

• Cost: $12.98 per month or $98 per year
• Discount: Free same-day delivery, often within a one-hour window, at the same low everyday prices Walmart usually offers
• Benefits: Walmart+ members also get access to special member prices on fuel at both Walmart and Sam’s Club locations
• How to Apply: Start a 15-day free trial online

More Ways to Save

While loyalty programs are an excellent way to save money and score consistent discounts, there are other great ways to save, too—even at stores that don’t offer rewards programs.

• Use coupons and promo codes
• Shop the clearance rack
• Keep up-to-date on sales
• Sign up for the store’s email newsletter
• Check for special demographic discounts for military members, students, and seniors