Loyalty programs are a dime a dozen.

In fact, the average American household participates in almost 30 different loyalty programs—spanning retail, financial services, travel and other sectors—but is active in fewer than half of these.

The upside of loyalty programs is that they basically offer consumers (you) free money—and sometimes quite a bit of it. People who take good advantage of loyalty programs enjoy significant perks, from free flights and car rentals to hotel and airline upgrades.

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