Lately it seems no matter where I go I’m offered an opportunity to participate in a loyalty program in some form or another. Recently, due to the overabundance of rewards cards in my wallet and a plethora of emails in my inbox, I have become more selective of the programs I choose to enroll. From Panera to PetsMart and everywhere in between, it’s becoming more difficult to differentiate between the Busts and the Musts. I have determined my own criteria for enrolling in these programs. So....