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(by NerdWallet) "),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(10,"div",6),r.\u0275\u0275elementStart(11,"span",7),r.\u0275\u0275element(12,"img",8),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(13,"span",9),r.\u0275\u0275text(14," By "),r.\u0275\u0275elementStart(15,"a",10),r.\u0275\u0275elementStart(16,"b"),r.\u0275\u0275text(17,"Michel Mora"),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275text(18),r.\u0275\u0275elementStart(19,"span",11),r.\u0275\u0275text(20,"3 min read"),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(21,"div",12),r.\u0275\u0275elementStart(22,"picture",13),r.\u0275\u0275element(23,"source",14),r.\u0275\u0275element(24,"source",15),r.\u0275\u0275element(25,"source",16),r.\u0275\u0275element(26,"img",17),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(27,"div",18),r.\u0275\u0275elementStart(28,"span",19),r.\u0275\u0275text(29,"Rewards Programs"),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(30,"div",20),r.\u0275\u0275text(31,"When store loyalty programs are worth signing up for"),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(32,"p",21),r.\u0275\u0275text(33," Retailers love asking shoppers to join free rewards programs at the register. But before you add another card to your key ring, it pays to know when loyalty programs are actually worth it. "),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(34,"nav",22),r.\u0275\u0275elementStart(35,"h2"),r.\u0275\u0275text(36,"Table of Contents"),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(37,"ol"),r.\u0275\u0275elementStart(38,"li"),r.\u0275\u0275elementStart(39,"span",23),r.\u0275\u0275listener("click",function(){return t.scrollTo("S2")})("keydown.enter",function(){return t.scrollTo("S2")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S2")}),r.\u0275\u0275text(40,"The Reality Behind Rewards Programs"),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(41,"li"),r.\u0275\u0275elementStart(42,"span",23),r.\u0275\u0275listener("click",function(){return t.scrollTo("S3")})("keydown.enter",function(){return t.scrollTo("S3")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S3")}),r.\u0275\u0275text(43,"Maximizing the Benefits"),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(44,"li"),r.\u0275\u0275elementStart(45,"span",23),r.\u0275\u0275listener("click",function(){return t.scrollTo("S4")})("keydown.enter",function(){return t.scrollTo("S4")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S4")}),r.\u0275\u0275text(46,"Deciding to Enroll"),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(47,"li"),r.\u0275\u0275elementStart(48,"span",23),r.\u0275\u0275listener("click",function(){return t.scrollTo("S5")})("keydown.enter",function(){return t.scrollTo("S5")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S5")}),r.\u0275\u0275text(49,"FAQs"),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(50,"h2",24),r.\u0275\u0275elementStart(51,"span",25),r.\u0275\u0275elementStart(52,"span",26),r.\u0275\u0275text(53,"1"),r.\u0275\u0275elementEnd(),r.\u0275\u0275text(54," The Reality Behind Rewards Programs"),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(55,"p"),r.\u0275\u0275text(56," You grab the gallon of milk you forgot yesterday, pick up the cheapest toothpaste, and head over to the checkstand. Just when your quick trip to the grocery store is almost over, the employee at the register says, \u201cDo you have a rewards card? It\u2019s free to join.\u201d "),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(57,"p"),r.\u0275\u0275text(58," From department stores to drugstores, retailers are asking consumers to enroll in rewards programs, also called loyalty programs, for access to better deals. But signing up may not be worth the hassle. "),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(59,"blockquote",27),r.\u0275\u0275text(60," \u201cFirst of all, you\u2019re just going to be annihilated with emails. It\u2019s not a weekly thing. It\u2019s a daily thing for most of these retailers.\u201d "),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(61,"p"),r.\u0275\u0275text(62," That warning comes from Kurt Jetta, CEO and founder of retail and consumer analytics firm TABS Analytics. "),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(63,"p"),r.\u0275\u0275text(64," The benefits of rewards clubs, however, include exclusive "),r.\u0275\u0275elementStart(65,"a",28),r.\u0275\u0275text(66,"coupons"),r.\u0275\u0275elementEnd(),r.\u0275\u0275text(67,", early access to sale events, and rewards points that can be redeemed for discounts or products. That lures many shoppers to sign up. "),r.\u0275\u0275elementStart(68,"a",29),r.\u0275\u0275text(69,"The 2015 Colloquy Loyalty Census"),r.\u0275\u0275elementEnd(),r.\u0275\u0275text(70," found that the average U.S. household is enrolled in 29 loyalty programs, but actively participates in only 12. "),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(71,"h2",30),r.\u0275\u0275elementStart(72,"span",25),r.\u0275\u0275elementStart(73,"span",26),r.\u0275\u0275text(74,"2"),r.\u0275\u0275elementEnd(),r.\u0275\u0275text(75," Maximizing the Benefits"),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(76,"p"),r.\u0275\u0275text(77," Rather than signing up for several programs, it may be more beneficial to stick with one or tw
1o you\u2019ll use frequently. Some retailers, such as Nordstrom and Best Buy, structure their programs so that the heaviest spenders reap the greatest rewards. To reach the highest tier of the My Best Buy program, for instance, members have to spend $3,500 in purchases per calendar year. This unlocks a longer returns and exchanges window (45 days compared with the standard 15) and more points for purchases (1.25 points for each dollar spent compared with 0.5 points). "),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(78,"p"),r.\u0275\u0275text(79," \u201cThe perks really go with people who spend the most with a certain brand,\u201d says Bob Phibbs, CEO of consultancy firm The Retail Doctor. Phibbs recommends looking over your credit card statement to get a sense of where your money is going. If your spending habits show you\u2019re already loyal to a particular store or brand, you could get the most from a membership there. "),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(80,"p"),r.\u0275\u0275text(81," If you\u2019ve already signed up for several programs, read the fine print on promotions to help you cut back. Cancel memberships at stores that frequently send out offers with short expiration periods for points or strict purchase requirements. "),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(82,"p"),r.\u0275\u0275text(83," Some rewards programs get better over time if you\u2019re willing to wait. Jetta describes rewards programs as an agreement between the store and the shopper: Customers provide demographic or contact information to sign up for a program, and stores use the information to change programs in ways that could potentially retain more customers and increase spending. "),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(84,"p"),r.\u0275\u0275text(85," In 2015, for example, Starbucks announced partnerships with Spotify and The New York Times to give members access to free music and content. \u201cThey could\u2019ve built a program that was strictly based on buy 10 coffees, get one free, but they\u2019ve now extended it across the store,\u201d says Jeff Berry, senior director of research and development at data analytics company LoyaltyOne. \u201cThey\u2019ve really tried to create relevant benefits to their customers.\u201d "),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(86,"h2",31),r.\u0275\u0275elementStart(87,"span",25),r.\u0275\u0275elementStart(88,"span",26),r.\u0275\u0275text(89,"3"),r.\u0275\u0275elementEnd(),r.\u0275\u0275text(90," Deciding to Enroll"),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(91,"p"),r.\u0275\u0275text(92," So when should you add another store rewards program card to your already crowded key ring? Enroll only if you shop at a store frequently and you\u2019ll actually use the benefits. "),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(93,"p"),r.\u0275\u0275text(94," Otherwise, politely decline when the cashier asks you to sign up. "),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(95,"p"),r.\u0275\u0275elementStart(96,"i"),r.\u0275\u0275text(97,"Courtney Jespersen is a staff writer at NerdWallet,"),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(98,"i"),r.\u0275\u0275text(99,"a personal finance website."),r.\u0275\u0275elementEnd(),r.\u0275\u0275element(100,"br"),r.\u0275\u0275elementStart(101,"i"),r.\u0275\u0275text(102,"Email: "),r.\u0275\u0275elementStart(103,"a",32),r.\u0275\u0275text(104,"[email protected]"),r.\u0275\u0275elementEnd(),r.\u0275\u0275text(105,"."),r.\u0275\u0275elementEnd(),r.\u0275\u0275element(106,"br"),r.\u0275\u0275elementStart(107,"i"),r.\u0275\u0275text(108,"Twitter: "),r.\u0275\u0275elementStart(109,"a",33),r.\u0275\u0275text(110,"@CourtneyNerd"),r.\u0275\u0275elementEnd(),r.\u0275\u0275text(111,"."),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(112,"p"),r.\u0275\u0275elementStart(113,"i"),r.\u0275\u0275text(114,"This article was written by NerdWallet"),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(115,"i"),r.\u0275\u0275text(116,"and was originally published by The Associated Press."),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementEnd(),r.\u0275\u0275elementStart(117,"p"),r.\u0275\u0275text(118," The article "),r.\u0275\u0275elementStart(119,"a",34),r.\u0275\u0275text(120,"Are Store Rewards Programs Worthwhile?"),r.\u0275\u0275elementEnd(),r.\u0275\u0275text(121," originally appeared on "),r.\u0275\u0275elementStart(122,"a",35),r.\u0275\u0275text(123,"NerdWallet"),r.\u0275\u0275elementEnd(),r.\u0275\u0275text(124,". 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