Loyalty reward systems are the de facto standard for both retail and credit card companies. Especially since loyalty programs have been shown to increase retention and a study by Baines and Company found that a mere 5% increase in company customer retention will translate into as much as 75% profitability. Credit card holders revel on the benefits of credit card rewards as well. Statistics show that as many as 85% of US households are members of a credit card rewards program – one of....

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