Loyalty programs can actually save you real money if you play them right.
Look for ones with cash back on everyday spending, travel perks, or interest rate breaks on loans.
They’re usually free to join, just watch out for annual fees that outweigh the benefits you’d collect.
And don’t let rewards tempt you into spending more than you normally would!
Read the fine print on expiration dates and redemption rules—some programs make it annoyingly hard to actually use your points.
Pick one that matches how you already spend.
5 Financial Services Loyalty Programs That Go Beyond Free Flights
