Rewards Programs For 23 Major Merchants

When was the last time you paid full price for anything? With all the discount gift cards, coupons, free shipping offers, daily deals and flat-out sales, it's awfully easy to get away with saving money on every purchase. Call it the "new normal."

But there may be one deal you've overlooked: Rewards programs. Almost all major merchants now offer a rewards programs of some type. That's because retailers want to turn you into a loyal shopper, rather than a casual customer. If you tend to shop the same stores repeatedly, these rewards programs are worthwhile, but you'll want to avoid participating in too many programs or it'll be more difficult to earn enough rewards points to make it worth your while.

Here are 23 rewards programs you may want to look into.

1. 1800Flowers
Fresh Rewards
- Earn 1 point for every $1 spent on merchandise
- Earn 200 points and receive a $20 savings pass
- Members-only gift collections and discounts available
- Receive bonus-points opportunities throughout the year
- Redeem points at all participating brands, including 1800Flowers.com, 1800Baskets.com, Cheryl's, Fannie May and The Popcorn Factory
- Free gift reminder

2. AMC Movie Theatres 
AMC Stubs
- Earn 10 AMC Stubs Reward points for every $100 you spend, good towards concessions, gift cards and more
- Free upgrades on popcorn and fountain drinks
- Online ticket purchase fees waived
- Participants include Loews Cineplex, Loews Cineplex, Magic Johnson, Star and AMC theatres

3. Ann Taylor and Loft
Ann Taylor Master Card
- Earn 5 points for every $1 spent in store or online (including LOFT stores)
- Earn 1 point for all purchases outside of Ann Taylor or LOFT
- Earn "Perfect Rewards" points that can add up to a $20 Perfect Rewards card for use at Ann Taylor
- Receive a birthday gift of $15 off one purchase during your birthday month
- Exclusive sneak peaks, special offers and insider savings
- No annual fee
- Online account management

Ann Taylor Credit Card
- Earn 5 points for every $1 spent in-store or online (including LOFT stores)
- Earn "Perfect Rewards" points that can add up to a $20 Perfect Rewards card for use at Ann Taylor
- Receive a birthday gift of $15 off one purchase during your birthday month
- Exclusive sneak peaks and special offers
- No annual fee
- Online account management

4. Barnes & Noble
B&N MasterCard
- Receive a free $25 gift card after first purchase
- Receive an extra 5% back at Barnes & Noble
- Earn free gift cards
- No annual fee
- Special low rate on balance transfers
- Choice of billing date
- Fraud protections
- Auto rental collision damage waiver
- Travel accident insurance
- Travel and emergency assistance
- Double the free repair period over that provided by the manufacturers warranty
- Zero liability on unauthorized purchases

5. Cobb Movie Theatres 
Cobb Moviegoer Club
- Earn points for free tickets, popcorn and sodas with each ticket purchase
- Free newsletter featuring "Now Playing" and "Coming Soon" movies, contests and more

6. Coldwater Creek
Coldwater Creek Preferred Visa Card
- Earn 5 points with every $1 spent on a Coldwater Creek purchase
- Earn 1 point for every $1 spent elsewhere
- Exclusive events and promotions, including double-point days and pre-sale notifications
- Double- or triple-point shopping days
- Advance invitations to sale events
- Card-member only sweepstakes

7. Express
Express Credit Card
- Earn 1 point for every $1 spent on an Express purchase
- Receive a $10 Express reward for every 250 points earned
- Celebrate your birthday with a $10 birthday offer
- After earning 500 points and upgrading, Express rewards increases to $15
- Earn rewards even faster with special bonus-point events
- Enjoy card-holder deals and once-a-month deals
- Earn 50 points when you register your account online

8. Gymboree
Gymboree Rewards Card
- Earn 1 point for every $1 spent with Gymboree
- Receive $5 rewards certificate for every 250 points earned
- Special members-only bonus point events four times per year
- Exclusive access to special savings and promotions
- Free class pass plus $20 off enrollment at Gymboree Play & Music

9. Home Depot
Home Depot Rewards MasterCard
- No interest if paid in full within six months
- $299 minimum purchase required
- Special promotions throughout the year
- View, manage and pay your account online

Home Depot Commercial Revolving Charge Card
- Low monthly payments or pay-in-full
- Itemized billing statements
- Track purchases
- No annual fee

Home Depot Commercial Account
- No annual fee
- Track purchases
- Payment due in full each month
- Itemized billing statements

10. J.Jill
J.Jill Credit Card
- 10% off your first J.Jill credit card purchase
- 5% off each purchase thereafter
- 10% off on double-discount days throughout the year
- Additional 5% off for your entire birthday month
- Exclusive cardholder events, special offers and private sales
- Complimentary gift packaging on all catalog and online orders

11. Kohl's
Kohl's Charge
- 15% off your next order when you apply for a Kohl's Charge
- Save an extra 15% to 30% on all regular-, sale-, and clearance-priced merchandise 12 times a year
- Spend at least $600 per year on your Kohl's Charge for pick-a-day savings six times a year

12. Lane Bryant
Lane Bryant Credit Card
- Earn 2 points for every $1 spent at Lane Bryant
- Earn 1 point for every $1 spent at sister brands (Fashion Bug and Catherines)
- 15% off your first purchase after applying for your card
- Receive 25 bonus points when you register your account online
- Receive $10 reward for every 400 points; $25 reward for 600 points; and $40 reward for 800 points
- Exclusive coupons, notice of sales and fashion news
- Birthday month special offer

13. Lowe's
Lowes Foods Fresh Rewards Card 
- Take advantage of Lowe's weekly specials
- Earn fresh-rewards cash you can spend at Lowes Foods
- Receive personalized promotional offers
- Earn $0.05 in fresh rewards for every bag reused in a Lowes Foods

Lowe's Consumer Credit Card 
- Special financing promotions
- Card design choices
- Low monthly payments
- Wide range of credit lines available
- Online account management

Lowe's Project Card 
- No interest during each six-month purchase period. After the purchase period ends, an APR of 7.99% to 17.99% will apply
- Minimum first purchase of $1,000
- Online account management
- Generous credit lines available to support major home-improvement projects

Lowe's Business Rewards Card From American Express 
- Earn 2 points for each $1 spent at Lowe's
- Earn 3 points for every $1 spent at restaurants, office supply stores and with wireless service providers
- Earn 1 point for each $1 spent everywhere else
- Redeem points for Lowe's gift cards, American Express gift cards and other valuable rewards cards
- No limit to the number of points you can earn
- Points have no expiration date
- No annual fee
- Discounted delivery
- Eligible purchases, including gifts, are protected against accidental damage or theft for up to 90 days
- Fraud protection
- Warranty extension of up to one year over manufacturer's warranty

14. Macy's
Macy's Credit Card General Info
- Can use in-stores and online
- When you open a Macy's Credit Card Account, receive 15% off the day you are approved and the following day
- Exclusive savings during use-your-card events
- Manage account online

Macy's American Express Card
- Different cards to choose from that require minimum amount of spending at Macy's for each
- Shop an exclusive website with special offers for shopping, dining, and entertainment. See link
- Exclusive savings during use-your-card events, as well as choose-your-own sale days
- Dollars-off coupons
- Returns without receipts, when purchase is made with card
- Manage account online
- Macy's elite cardholders ($2,500+ spending) receive priority customer service
- Receive free returns if you're a registered Macy's Elite, Platinum, or Macy's Preferred American Express cardholder and have registered with an online profile

Star Rewards Program
- Earn points (stars) for purchases and receive gift certificate
- Macy's preferred cardholders receive $25 Star Rewards Certificates, based on 3% of all Macy's purchases and 1% of all American Express purchases made outside of Macy's
- Accumulate Star Rewards of $25 and receive your Rewards Certificates with your Macy’s American Express® statement.

15. Outback Steakhouse 
My Outback Rewards
- Receive exclusive access to rewards and offers
- Redeem points for rewards, including savings on entrees, free certificates, special gifts, sweepstakes entries and more

16. Pier 1 Imports 
Pier 1 Rewards Credit Card
- Earn 4 points for every eligible $1 spent with a Pier 1 Rewards Card
- Receive $20 Rewards Certificate when you reach 2,000 points
- Enjoy members-only savings and discounts, including coupons, sneak peeks at sales and special shopping events
- Earn an automatic Platinum Status Upgrade and even more rewards when you spend $5,000 in one year

17. Red Lobster 
Fresh Catch Club
- Learn about special Red Lobster events
- Receive a surprise birthday gift

18. Regal Movie Theaters 
Regal Crown Club
- Earn credits for free movies, popcorn, soft drinks and more
- Participants include Regal Entertainment Group, Regal Cinemas, Edwards Cinemas and United Artists Theaters

19. Saks Fifth Avenue
Saks Fifth Avenue World Elite MasterCard
- $25 Saks Welcome Gift Card
- 24-hour personal concierge service
- Free shipping on all saks.com and catalog orders
- Advance notice of sales
- Invitation to exclusive events
- Personal fashion consultant, upon request
- Exclusive customer-assistance phone number
- Online account access
- Price protection
- Extended warranties
- Zero liability on unauthorized purchases
- Purchase assurance coverage
- Access to 500+ airport lounges for just $30 per person, per visit
- Access to World Elite travel benefits 
- VIP private jet travel
- Complimentary emergency assistance and travel insurance
- Rental car benefits

20. Spiegel
Spiegel Signature Rewards Credit Card
- Earn one point for every $1 spent
- Receive a $10 Rewards Card with every 250 points
- Earn double points when you use your Spiegel Credit Card
- Earn 500 points and receive special benefits, including a personal stylist and free shipping

21. Talbots
Talbots Classic Awards Credit Card - Platinum
- Receive 15% off your first purchase with the card
- Earn 1 point per $1 spent on your Talbots Charge
- Receive $25 Appreciation Dividends when you earn 500 points
- 15% off birthday bonus
- Double-points events
- No annual fee
- Exclusive offers for Talbots Charge customers

22. Target
Target REDcards Rewards and Benefits: Target Credit Card, Target Visa Credit Card, or Target Debit Card
- Get 5% off purchases when using your card online and in-store (Target debit cards cannot be used online)
- Select your favorite school and Target will donate 1% of your REDcard purchases at Target or Target.com to your school of choice
- Use REDcard to fill prescriptions at Target pharmacies and earn 5% off a day of Target shopping, on top of the 5% you'll already receive using your REDcard
- With a Target Debit Card, you can request up to $40 cash back at checkout
- With Target Visa Credit Card, you can make purchases where Visa Credit Cards are accepted. You also can use it to pay phone, cable/satellite, utility and more bills through Billeo, which partners with Target

23. Wehrenberg Movie Theatres 
Wehrenberg MVP
- Earn points towards free popcorn, sodas and movie tickets
- Points can also be used in Reds and Ronnies drive-ins.