Retail rewards ... s gift card. Program: Vital Care Core (free), and Vital Care Premier ($239.88 a year or $24.99 a month) How it works: Vital Care Core is similar to a lot of loyalty programs ...

Related: Costco product change has members 'disgusted' That's forced many consumers to change the way they spend their money.

Mobile loyalty Take Starbucks, for example. The coffee giant knows that consumers visit its locations often. It’s My Rewards program is a great incentive to continually drive traffic.