Editing Loyalty program (section)

==Benefits to merchants==
Loyalty programs' most important benefit to merchants is that they generate data, which bring more repeat business and therefore increase sales.

Application forms for cards usually entail agreements by the store concerning customer privacy, typically non-disclosure (by the store) of non-aggregate data about customers. The store uses aggregate data internally (and sometimes externally) as part of its [[marketing research]]. Over time the data can reveal, for example, a given customer's favorite brand of beer, or whether they are a vegetarian. 

As of the mid-2020s, loyalty program trends include:<ref>{{cite news |last1=Clark |first1=Scott |title=The Evolution of Customer Loyalty Programs in the Digital Age |url=https://www.cmswire.com/customer-experience/the-evolution-of-customer-loyalty-programs-in-an-always-on-world/ |access-date=3 July 2024 |work=CMSWire |date=9 May 2024 |language=en}}</ref>
*the integration of AI and data analytics into loyalty platforms in order to personalize customer experiences,
*focusing on emotional connections, and 
*offering personalized rewards that resonate with individual consumer preferences
*omnichannel experience to drive more interaction i.e. access across multiple physical and digital touchpoints such as in-store, via mail, e-mail, mobile apps, push notifications from the app or via SMS, websites, etc.

Loyalty programs are a means of implementing a type of what economists call a [[two-part tariff]]. 

===Asia===
* '''Japan''': see [[:ja:共通ポイント]] and [[:ja:ポイントプログラム#日本における歴史]]. In Japan, non credit card multi-brand points who awarded in addition to each store's own points are becoming more common. Most Japanese people say Big 4 of multi-brand points are V-POINT([[:ja:Vポイント|ja]])(SMCC(affiliated [[Sumitomo Mitsui Banking Corporation|SMBC Group]]) and [[Culture Convenience Club|CCC]])(merged T-POINT([[:ja:Tポイント|ja]])(CCC) on 22th Aplil 2024), Ponta([[:ja:Ponta|ja]])(affiliated [[Mitsubishi Corporation]]), [[Rakuten]] point([[:ja:楽天ポイント|ja]]), d Point Club([[:ja:dポイントクラブ|ja]])([[NTT Docomo]]).<ref>[https://www.tv-tokyo.co.jp/plus/smp/entertainment/entry/2020/021484.html 4大共通ポイントカードは”衝撃の進化”を遂げていた...その特長と賢い使い方...] テレ東プラス（2021年3月11日閲覧）</ref> Other famous point bland are [[Waon|WAON]]([[Aeon (company)|AEON]] Group([[:ja:イオングループ|ja]]), JRE POINT([[:ja:JRE POINT|ja]])([[East Japan Railway Company|JR East]]), PayPay([[:ja:PayPay|ja]]) point([[SoftBank Group]]'s [[QR code payment]]), [[Nanaco]].
* '''Hong Kong''': [[Octopus Cards Limited|Octopus Rewards]],<ref>{{Cite web|url=https://www.octopus.com.hk/en/consumer/rewards/about/index.html|title=About Octopus Rewards|website=Octopus Cards Limited|language=en-hk|access-date=2018-03-13|archive-date=5 January 2019|archive-url=https://web.archive.org/web/20190105130802/http://www.octopus.com.hk/en/consumer/rewards/about/index.html|url-status=dead}}</ref> [[MTR Corporation]].<ref>MTR Club for regular customers of [[MTR|transport network]] {{Cite web
      |url=https://www.mtr.com.hk/en/customer/club/index.php
      |title=MTR Club
      |website=MTR Corporation
      |language=en
      |access-date=2018-03-13
      |archive-date=3 August 2020
      |archive-url=https://web.archive.org/web/20200803111349/https://www.mtr.com.hk/en/customer/club/index.php
      |url-status=dead
      }}</ref> Different chain stores under common ownership often share the same loyalty program, such as [[A.S. Watson Group]]'s ''MoneyBack'', which can be used at [[Parknshop]], [[Watsons]], and Fortress stores, as well as the corporation's retail partners.<ref>{{Cite news|url=http://www.aswatson.com/moneyback-celebrates-its-10th-anniversary/|title=MoneyBack Celebrates its 10th Anniversary – A.S. Watson Group {{!}} A member of CK Hutchison Holdings|date=27 June 2017|work=A.S. Watson Group|access-date=2018-03-13|language=en-US}}</ref> [[Hong Kong Telecom|HKT]]'s The club also offers a similar loyalty program.<ref>{{Cite web|url=https://www.scmp.com/article/1681846/club-rewards-hkt-premier-customers-their-loyalty|title=The Club rewards HKT Premier customers for their loyalty|date=2015-01-22|website=South China Morning Post|language=en|access-date=2020-02-03}}</ref> Flag airline carrier [[Cathay Pacific]] operates [[Asia Miles]], a loyalty and frequent-flyer program.<ref>{{Cite web|url=https://www.asiamiles.com/en/media-centre/press-release/article.html/Even_More_Rewarding_Experience_for_Asia_Miles_Members|title=Even More Rewarding Experience for Asia Miles Members|website=www.asiamiles.com|language=en-hk|access-date=2020-02-03|archive-date=26 January 2021|archive-url=https://web.archive.org/web/20210126122257/https://www.asiamiles.com/en/media-centre/press-release/article.html/Even_More_Rewarding_Experience_for_Asia_Miles_Members|url-status=dead}}</ref>
* '''India''': PAYBACK India is [[India]]'s largest coalition loyalty program.<ref name=busstand>{{cite news
   |title=PAYBACK India's bet
   |url=http://www.business-standard.com/india/news/paybacks-india-bet/443284
   |access-date=28 July 2011 |newspaper=Business Standard
   |date=20 July 2011}}</ref><ref name="imint">{{Cite news |title=i-mint and PAYBACK team up in India |url=http://www.colloquy.com/breaking_view.asp?xd=7353|access-date=18 June 2010 |newspaper=Colloquy|date=17 June 2010 |url-status=dead|archive-url=https://web.archive.org/web/20100813141426/http://www.colloquy.com/breaking_view.asp?xd=7353|archive-date=13 August 2010}}</ref> German loyalty program operator [[Loyalty Partner]] took a controlling interest in i-mint in June 2010<ref name=imint/> and renamed the program PAYBACK India in July 2011.<ref name=busstand/> BPCL's PetroBonus fuel card program has 2 million members.<ref>{{cite news|url=http://www.hindu.com/2009/10/15/stories/2009101555751600.htm|archive-url=https://web.archive.org/web/20091019042951/http://www.hindu.com/2009/10/15/stories/2009101555751600.htm|url-status=dead|archive-date=19 October 2009|title=BPCL celebrates PetroBonus 10th anniversary|date=15 October 2009|access-date=9 March 2010|newspaper=[[The Hindu]]|location=Chennai, India}}</ref> [[Indian Oil]]'s fleet card program XTRAPOWER and retail program XTRAREWARDS claim a combined customer base of 3 million.<ref>{{cite web|url=http://www.iocxtrapower.com/award2009.asp |archive-url=https://web.archive.org/web/20090802161301/http://www.iocxtrapower.com/award2009.asp |url-status=dead |archive-date=2 August 2009 |title=Indian Oil does a hat-trick at the 3rd loyalty summit |website=XTRAPOWER |access-date=9 March 2010 }}</ref>
* '''Iran''': The first [[Iran]]ian loyalty program launched in 1996.<ref>{{cite web|url=http://www.perfect-idea.com|title=Home – گروه کارتهای اعتباری ایران|access-date=22 November 2016}}</ref> East Credit Card Group Kish launched its loyalty program in 2005.<ref>{{cite web|url=http://www.eaccg.com|title=گروه کارتهای اعتباری ایران|access-date=22 November 2016}}</ref>
* '''Malaysia''': [[Genting Highlands]] Resort loyalty card, WorldCard,<ref>{{cite web |title=Programme Partners |url=https://www.rwgenting.com/gentingrewards/programme-partners/ |website=Resort World Genting |publisher=Genting Malaysia Berhad |access-date=3 December 2019}}</ref> is valid in three countries: Malaysia, Singapore and Hong Kong. 
* '''Philippines''':<ref>{{cite web|website=Primer|title=List of Discount and Reward Cards in the Philippines|url=http://primer.com.ph/tips-guides/2016/09/23/list-of-discount-and-reward-cards-in-the-philippines/}}</ref> [[SM Supermalls]] and [[BDO Unibank]] offer rewards cards which are accepted by [[The SM Store]], [[SM Supermarket]], [[SM Hypermarket]], [[ACE Hardware]] and [[Watsons Pharmacy]].<ref>{{cite web|website=SM Advantage|title=FAQs|url=https://www.smadvantage.com/faqs|archive-url=https://web.archive.org/web/20151127035450/http://smadvantage.com/faqs|url-status=dead|archive-date=2015-11-27}}</ref><ref>{{cite web|website=BDO|title=FAQS: Rewards|date=28 July 2014|url=https://www.bdo.com.ph/faqs/rewards}}</ref> [[Robinsons Malls]] also offers a loyalty program through the Go Rewards app (formerly known as the Robinsons Rewards card).<ref>{{cite web|title=Go Rewards Card|url=https://www.gorewards.com.ph/card|website=Go Rewards}}</ref><ref>{{Cite web|title=Robinsons Rewards Is Now GoRewards|url=https://www.gorewards.com.ph/stories/keep-going-for-bigger-savings-and-better-deals-with-go-rewards|access-date=2021-06-14|website=www.gorewards.com.ph}}</ref> Others are [[Jollibee]], (HappyPlus card),<ref>{{cite web|website=HappyPlus|title=FAQs|url=http://happyplus.com.ph/faqs/}}</ref> Grab Rewards,<ref>{{cite web | url=https://www.grab.com/ph/rewards/ | title=GrabRewards - Grab Loyalty Programme &#124; Grab PH }}</ref> and [[Mercury Drug]]'s Suki Card.<ref>{{cite web|website=Mercury Drug|title=FAQs|url=https://www.mercurydrug.com/suki-card.html}}</ref>
* '''Singapore''': Loyalty programs in Singapore include GrabRewards<ref>{{Cite web|title=GrabRewards – Grab Loyalty Programme|url=https://www.grab.com/sg/rewards/|access-date=2021-01-01|website=Grab SG|language=en-US}}</ref> by [[Grab (company)|Grab]], SAFRA<ref>{{Cite web|title=SAFRA home page|url=https://www.safra.sg/|access-date=2021-01-01|website=SAFRA|language=en}}</ref> and Plus!<ref>{{Cite web|title=Plus! home page|url=https://plus.com.sg/|access-date=2021-01-01|website=plus.com.sg|language=en}}</ref> from [[National Trades Union Congress|NTUC]].

===Europe===
* '''Austria''': The two largest loyalty programs in [[Austria]] are Payback and mo. JÖ was fully launched in 2019.
* '''Finland''': The two major retail coalitions with loyalty programs are the [[S-Group]] with their ''S-Etukortti'' card<ref>{{cite news
   |title=Etukortit Suomessa
   |url=http://www.hs.fi/talous/Asiantuntijat+Etukorttien+ker%C3%A4%C3%A4m%C3%A4+tieto+suomalaisista+on+hy%C3%B6dynt%C3%A4m%C3%A4t%C3%B6n+kultakaivos/a1411585767488
   |archive-url=https://wayback.archive-it.org/all/20171018170618/https://www.hs.fi/talous/art-2000002764112.html
   |url-status=dead
   |archive-date=18 October 2017
   |newspaper=Helsingin Sanomat |access-date=26 September 2014 |date=25 September 2014}}</ref>) and [[Kesko]] with ''K-Plussa'' (67%).
* '''Georgia''': [[Georgia (country)|Georgia]]'s biggest loyalty card program has been run by Universal Card Corporation since 2010 via [[Unicard|UNICARD]].
* '''Germany''': The largest loyalty program is Payback, launched in 2000.<ref>{{cite web
   |title=PAYBACK: Facts & Figures
   |url=http://www.payback.net/pl/en/about-payback/facts-figures
   |access-date=2 November 2016 |archive-url=https://web.archive.org/web/20161104110632/http://www.payback.net/pl/en/about-payback/facts-figures/|archive-date=4 November 2016|url-status=dead}}</ref><ref name=Germ2007>{{cite web|publisher=Loyalty Partner |title=Studien |url=http://www.loyaltypartner.com/presse/studien/#c390 |archive-url=https://web.archive.org/web/20080214165523/http://www.loyaltypartner.com/presse/studien/ |url-status=dead |archive-date=14 February 2008 |access-date=15 May 2008 }}</ref> {{interlanguage link|HappyDigits|de|HappyDigits}} and the Shell ClubSmart program are next in size.<ref name=Germ2007/> {{interlanguage link|DeutschlandCard|de|DeutschlandCard}} was launched by [[Arvato]] in 2008. HappyDigits was disbanded by 2010.
* '''Hungary''': SuperShop and Multipoint are their main loyalty programs.
* '''Italy''': After the exit of Nectar from the market in 2015, Payback is the most popular loyalty program.<ref>{{Cite web |last=Focus |first=Global Convenience Store |date=2021-02-01 |title=Principles, Promises and Challenges of Coalition Loyalty {{!}} Global C Store Focus |url=https://www.globalconveniencestorefocus.co.uk/features/principles-promises-and-challenges-of-coalition-loyalty/ |access-date=2024-01-22 |website=www.globalconveniencestorefocus.co.uk |language=en-GB}}</ref> Supermarkets Esselunga, Coop and Il Gigante also have loyalty programs.
* '''Latvia''': One of the largest loyalty programs in Latvia which is working as an operator for many merchants is Pins.{{Citation needed|date=July 2018}} Another is Walmoo
* '''Norway''': The largest Norwegian loyalty program is [[:no:Trumf (lojalitetskort)|Trumf]]. Trumf is a "brick and mortar" loyalty program owned by [[NorgesGruppen]], a grocery wholesaling group in Norway.<ref>{{Cite journal|last=Nesset, Erik |display-authors=etal |title=Building chain loyalty in grocery retailing by means of loyalty programs–A study of 'the Norwegian case'.|journal=Journal of Retailing and Consumer Services}}</ref> KickBack.no is one of the largest online loyalty programs and cashback sites in Norway. KickBack.no is owned by [[Schibsted|Schibsted Media Group]].
* '''Republic of Ireland''': [[Superquinn]] introduced its SuperClub loyalty card in 1993, the prototype for Europe. However, loyalty cards did not expand until 1997, when [[Tesco Ireland]] introduced its Clubcard scheme, shortly after its purchase of Power Supermarkets. [[SuperValu (Ireland)|SuperValu]] introduced their own loyalty club called Real Rewards. Others were: 
** During the late 1990s—[[Esso]] petrol program were: Tiger Miles, [[Maxol]], [[Texaco]] and [[Statoil]]. Increasing oil prices ended these in 2005.
** [[Game (retailer)|Game]], a major computer game and hardware retailer, which merged with [[Electronics Boutique]]'s programme.
** Rewards From Us To You, a hotel loyalty program
* '''Russia''': MALINA, "the largest multicorporate customer loyalty program in Russia,"<ref>{{cite web
      |title=MALINA program increases customer loyalty with Oracle
      |url=https://jet.su/en/press/news/12732
      |access-date=30 August 2020
      |archive-date=26 September 2020
      |archive-url=https://web.archive.org/web/20200926025628/https://jet.su/en/press/news/12732/
      |url-status=dead
      }}</ref> was launched in 2006 by Loyalty Partners Vostok.<ref>{{cite web
|title=The loyalty program "MALINA"
|url=https://rapporto.ru/en/services/mobile-advertising/programma_malina}}</ref><ref>{{cite web
   |title=Raiffeisenbank launches Malina loyalty credit card
   |url=https://thewisemarketer.com/headlines/raiffeisenbank-launches-malina-loyalty-credit-card-2
   |date=October 23, 2006}}</ref> Another is [[Mnogo.ru]].
* '''Switzerland''': Loyalty programs are popular in [[Switzerland]], with the two main supermarket chains, [[Migros]] and [[Coop (Switzerland)|Coop]] prominent.  The M-Cumulus card can be used at the Migros supermarkets, [[Ex Libris (bookshop)|Ex Libris]], SportXX, and other retailers. The Coop Supercard earns points on purchases at Coop and a variety of other associated stores. Other stores such as Interio, a furniture retailer, are also joining the market with loyalty cards and store-based incentivized credit cards.  The only coalition loyalty scheme in Switzerland is Bonus Card with a network of over 300 independent retail partners.<ref>[http://www.finaccord.com/uk/tables-of-contents_html/global-coalition-loyalty-programs.htm Finaccord List of Global Loyalty Programs.] {{Webarchive|url=https://web.archive.org/web/20181122143910/http://www.finaccord.com/uk/tables-of-contents_html/global-coalition-loyalty-programs.htm |date=22 November 2018 }} Retrieved 1 March 2016</ref> In recent years, online loyalty programs have also started to target the Swiss. First to make an offering in Switzerland was German-based Webmiles.  Claiming to be Switzerland's first online bonus program, Bonuspoints was launched in early 2008 and offers incentives for shopping at 70 different online stores.
* '''Turkey''': [[Pegasus Airlines]] has a loyalty program called Pegasus Plus which gives rewards for every flight. Passengers can spend reward points as a discount without waiting to cover a full flight. [[Turkish Airlines]] has a loyalty program called Miles&Smiles.
* '''United Kingdom''': ''Passcard'' (later renamed ''Passkey'') was in the early 1980s.<ref>{{Cite news
   |newspaper=The Herald |date=29 August 1989 |title=Reward for young Scots businessman
   |url=https://www.heraldscotland.com/news/12002112.reward-for-young-scots-businessman
   |access-date=19 July 2020}}</ref> [[Sainsbury's]] ''[[Homebase]] Spend and Save Card'' was another early 1980s loyalty card.<ref>{{cite news |url=https://www.theguardian.com/money/blog/2012/jul/26/how-loyal-are-you-to-your-reward-cards
|title=How loyal to your reward cards are you? |first=Rebecca |last=Smithers |date=26 July 2012 |access-date=22 November 2016 |newspaper=The Guardian}}</ref> A later program, [[Tesco]]'s ClubCard, was criticized for not offering value for money.<ref>{{cite news
   |newspaper=The Independent |date=13 August 2005
   |title=A trip to Alton Towers? That'll be £2,000, please
   |url=https://www.independent.co.uk/money/loans-credit/a-trip-to-alton-towers-thatll-be-1632000-please-502715.html}}</ref> ''[[The Economist]]'' suggested that the real benefit of loyalty cards to UK outlets is the massive [[marketing research]] database potential they offer.<ref>{{cite magazine |magazine=[[The Economist]]
   |title=How Tesco is changing Britain
   |date=4 August 2005 |access-date=25 July 2007
   |url=http://www.economist.com/world/europe/displayStory.cfm?story_id=4247169}}</ref> [[Morrisons]] is another program.<ref>{{Cite web
|url=http://www.morrisons.co.uk/Whats-New/Dont-miss-out-on-your-miles
|archive-url=https://web.archive.org/web/20121213040530/http://www.morrisons.co.uk/Whats-New/Dont-miss-out-on-your-miles
|url-status=dead |archive-date=2012-12-13|title=Morrisons Miles – Morrisons}}</ref> Many stores have kiosks that, with the cards, print vouchers that can be used at the till.<br />[[Safeway plc|Safeway's]] ABC Card was discontinued in 2000.<ref>{{cite news|title=Safeway scraps loyalty card|date=5 May 2000|work=BBC News|access-date=25 July 2007|url=http://news.bbc.co.uk/1/hi/business/735835.stm}}</ref> Maximiles<ref>{{cite web|title=Maximiles acquires ipoints to create Europe's no. 1 online coalition loyalty company
|date=19 July 2006 |publisher=E-consultancy |access-date=19 July 2006
|url=http://www.e-consultancy.com/news-blog/361397/maximiles-acquires-ipoints-to-create-europe-s-no-1-online-coalition-loyalty-company.html?keywords=loyalty
|archive-url=https://web.archive.org/web/20061020181600/http://www.e-consultancy.com/news-blog/361397/maximiles-acquires-ipoints-to-create-europe-s-no-1-online-coalition-loyalty-company.html?keywords=loyalty
|archive-date=20 October 2006 |url-status=dead}}</ref> is an online coalition program.<ref name=maxi>{{cite web|title=Brochure|access-date=17 August 2010|url=http://www.maximilesgroup.com/images/mxmpdf.pdf|publisher=Maximiles Group|url-status=dead|archive-url=https://web.archive.org/web/20100215170810/http://www.maximilesgroup.com/images/mxmpdf.pdf|archive-date=15 February 2010}}</ref><br />Formerly operated by [[British Airways]], [[Air Miles|Airmiles]] was rebranded in 2011 from Airmiles to Avios, with changes that caused members to pay taxes and fees on flights they used for redemption.<ref>{{Cite web|title = Avios rebrand causes backlash for AirMiles company|url = http://www.marketingweek.com/2011/09/02/avios-rebrand-causes-backlash-for-airmiles-company/|website = Marketing Week|access-date = 10 December 2015|first = Lara|last = O'Reilly| date=2 September 2011 }}</ref>

Co-operative Membership: the Co-op Group offers a 2% (previously 5%) refund to members on Co-op branded products with 2% also going to the cardholder's nominated charity. This is only available in Co-op Group stores.  It replaced the dividend benefit previously used. Other Co-op chains continue with the dividend scheme, e.g. Midcounties Co-operative. Many of these accept other Co-operative loyalty cards but generally without the same benefits. For instance Midcounties Co-operative accept Co-operative Group cards but there is no charity donation or cardholder refund.

===The Americas===
*'''Brazil'''
**Dotz is a coalition loyalty program in Brazil with over 50 million members<ref>{{cite news |title=#368: Coalition Loyalty - Dotz Brazil Celebrates 50 Million Members |url=https://thewisemarketer.com/368-coalition-loyalty-dotz-brazil-celebrates-50-million-members/ |access-date=3 July 2024 |work=The Wise Marketer |date=19 April 2023}}</ref>
* '''Canada'''
**[[Aeroplan]], a coalition program centered on [[Air Canada]] with Apple, Sephora, Uber also participating<ref name="coalition"/>
**[[Air Miles]] is Canada's largest loyalty program. 
**[[Canadian Tire]]'s [[Canadian Tire money]] is the oldest loyalty program in [[Canada]].<ref>the company gives out coupons which look like currency {{cite web
|url=http://www.canadaloyalty.com/Programs/canadian_tire_money.html
|title=Canadian Tire Money loyalty program
|publisher=CanadaLoyalty.com |access-date=23 November 2007}}</ref> 

**The food and beverage industry also has several companies with rewards programs such as [[Tim Hortons]]' Tim's Rewards<ref>Tims Rewards: https://www.timhortons.ca/timsrewards</ref>
**[[Scene+]], a coalition program with participants include  Cineplex-owned cinemas, Scotiabank (for spending using its cards), Sobeys grocery stores, Home Hardware , Expedia, Recipe restaurants and [[Rakuten Rewards]].<ref name="coalition"/><ref>{{cite news |last1=Nuttall |first1=Jeremy |title=Loyalty has its price. More companies partner-up with reward card programs as cash-strapped customers hunt for deals |url=https://www.thestar.com/business/loyalty-has-its-price-more-companies-partner-up-with-reward-card-programs-as-cash-strapped/article_509f8d5f-2162-50d2-8b65-b1097d6b2c39.html |access-date=3 July 2024 |work=Toronto Star |date=8 September 2023 |language=en}}</ref>
* '''United States''': In the US, loyalty cards have a long history.<ref name="Leveraging Loyalty Programs Using C">{{cite journal |last1=Taylor |first1=Wayne |last2=Hollenbeck |first2=Brett |title=Leveraging Loyalty Programs Using Competitor Based Targeting |journal=Quantitative Marketing and Economics |date=2021 |volume=19 |issue=3–4 |pages=417–455 |doi=10.1007/s11129-021-09237-y |ssrn=3353432 |s2cid=108298338 |url=https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3353432}}</ref> Some are only online.<ref>{{cite web |url=https://www.frugalforless.com/money-making-apps
|title=101 Free Money Making Apps |website=FrugalForLess.com
|access-date=7 November 2017}}</ref><ref>{{cite web
   |url=https://techcrunch.com/2016/01/22/fivestars-gets-50m-to-help-small-retailers-run-loyalty-programs-like-their-bigger-rivals
|archive-url=https://web.archive.org/web/20160123073613/http://techcrunch.com/2016/01/22/fivestars-gets-50m-to-help-small-retailers-run-loyalty-programs-like-their-bigger-rivals
|url-status=dead |archive-date=23 January 2016
|title=FiveStars gets-50m-to-help-small-retailers-run-loyalty-programs-like-their-bigger-rivals
|website=Techcrunch |access-date=22 January 2016}}</ref><ref>{{cite magazine |magazine=[[Forbes]]
     |url=https://www.forbes.com/sites/tomiogeron/2011/12/14/belly-enters-loyalty-space-with-ipad-based-system
     |title=Belly Targets Paper Punch Card With iPad-Based Loyalty Service
     |last=Geron |first=Tomio |date=14 December 2011}}</ref> Some partner with classic credit cards.<ref name="foursquare and amex">{{cite web
   |url=http://www.businessinsider.com/foursquare-and-amex-launching-big-partnership-next-week-at-sxsw-2011-3
   |title=Foursquare And Amex Launching Big Partnership Next Week at SXSW
   |website=[[Business Insider]] |access-date=22 November 2016}}</ref><ref name="shopkick and visa">{{cite web
|url=http://mashable.com/2011/11/21/shopkick-visa
|title=Shopkick and Visa to Offer Retail Store Purchase Rewards
|first=Todd |last=Wasserman |website=[[Mashable]] |date=21 November 2011
|access-date=22 November 2016}}</ref> [[Frequent-flyer program]]s and, less commonly ''SeaMiles''<ref>{{cite news |url=http://touch.latimes.com/#section/-1/article/p2p-28977082 |title=Article |work=[[Los Angeles Times]] |date=14 July 2008 |access-date=5 February 2015 |archive-date=6 October 2012 |archive-url=http://webarchive.loc.gov/all/20121006015957/http://touch.latimes.com/#section/-1/article/p2p-28977082 |url-status=dead }}</ref> co-exist with programs that donate a percentage of sales to a designated charity.<ref>{{cite web
|url=http://www.animalalliancenyc.org/help/other/igive.htm
|title=Shop Through iGive.com |website=animalalliancenyc.org |access-date=22 November 2016}}</ref> Some American retailers either have not implemented these cards, or eliminated them, in favor of discounts for all shoppers.<ref>{{cite magazine |magazine=TIME
|url=https://business.time.com/2013/07/11/a-disloyalty-movement-supermarkets-and-customers-drop-loyalty-card-programs/
|date=11 July 2013 |title=Disloyalty Movement}}</ref> Few states regulate club cards. As an example, supermarkets in [[California]] are subject to the Supermarket Club Card Disclosure Act of 1999.<ref>{{cite web |website=FindLaw
|title=Supermarket Club Card Disclosure Act of 1999
|access-date=25 July 2007
|url=http://caselaw.lp.findlaw.com/cacodes/civ/1749.60-1749.66.html}}</ref>
**Coalition programs include [[Plenti]]<ref>{{cite news |last1=Smith |first1=Geoff |title=How Coalition Loyalty Programs can Excel |url=https://adage.com/article/digitalnext/strategies-coalition-loyalty-programs/299861 |access-date=3 July 2024 |work=Ad Age |date=August 2016}}</ref>
* '''Mexico''':
**[[Aeroméxico Rewards]], formerly Club Premier, a coalition program with participation of [[Aeromexico]] airlines and multiple otherwise unrelated retail chains 
**Monedero Naranja (lit. "Orange Wallet"), in which [[Comercial Mexicana]]'s various supermarket brands La Comer, Fresko and City Market, participate<ref>{{cite web |title=¿Qué es Monedero Naranja? |url=https://www.lacomer.com.mx/lacomer/#!/wallet?succId=287&succFmt=100 |website=La Comer |access-date=3 July 2024}}</ref>

===Oceania===
Flybuys is the largest loyalty program in both [[Flybuys (Australia)|Australia]]<ref>{{cite news
|title=And the best loyalty program goes to... Coles
|url=http://www.bandt.com.au/news/marketing/and-the-best-loyalty-program-goes-to-coles
|access-date=20 May 2013 |newspaper=B & T
|date=20 May 2013 |archive-url=https://web.archive.org/web/20130609211226/http://www.bandt.com.au/news/marketing/and-the-best-loyalty-program-goes-to-coles|archive-date=9 June 2013|url-status=dead}}</ref><ref>[[Flybuys (Australia)]] {{cite news
|title=Coles supermarket to overhaul FlyBuys scheme
|url=http://www.theaustralian.com.au/news/nation/coles-supermarket-to-overhaul-flybuys-scheme/story-e6frg6nf-1226007126615
|access-date=27 February 2011 |newspaper=[[The Australian]]
|date=17 February 2011 |first=Blair |last=Speedy}}</ref><ref>{{cite web
   |title=Australia: FlyBuys launches iPhone App
   |url=http://www.colloquy.com/breaking_view.asp?xd=7379
   |publisher=Colloquy |access-date=17 August 2010 |date=29 June 2010
   |url-status=dead
 |archive-url=https://web.archive.org/web/20100729113827/http://www.colloquy.com/breaking_view.asp?xd=7379|archive-date=29 July 2010}}</ref> and [[Flybuys (New Zealand)|New Zealand]].<ref>[[Flybuys (New Zealand)]] {{Cite web
   |url=https://z.co.nz/about-z/news/general-news/nzs-biggest-loyalty-programme-gets-pumped-with-fuel-discounts
|website=z.co.nz
|title=NZ's biggest loyalty programme gets pumped with fuel discounts{{!}} Z
|publisher=[[Z Energy]]|language=en |access-date=2018-01-09}}</ref> 
* '''Australia''': Contenders include [[Woolworths Group (Australia)|Woolworths]]' [[Everyday Rewards]],<ref>{{Cite news
|title=Woolworths reports solid profits
|url=http://www.ausfoodnews.com.au/2010/08/26/woolworths-reports-solid-profits.html
|access-date=27 August 2010 |newspaper=Australian Food News
|date=26 August 2010}}</ref> [[Myer]]'s [[MYER one]] program, the [[Priceline (Australia)|Priceline]]'s Sister Club,<ref>{{Cite web |last=Smith |first=Sean |date=2023-06-30 |title=Wesfarmers Health fast-tracks growth to $40 billion bounty |url=https://thewest.com.au/lifestyle/health-wellbeing/wesfarmers-health-wants-to-go-as-fast-as-we-can-in-pursuit-of-takeover-targets-and-growth--c-11124906 |url-access=subscription |access-date=2023-08-30 |website=The West Australian |language=en}}</ref> [[Amcal]] Rewards, [[Miller's Fashion Club]], and the [[BB Retail Capital]] Pulse Rewards program.<ref>{{cite web|access-date=25 July 2007 |title=Brazin's Pulse goes over the 1 million mark |publisher=The Wise Marketer |date=25 September 2006 |url=http://www.thewisemarketer.com/briefs/archive.asp?action=read&bid=1989 |url-status=dead |archive-url=https://web.archive.org/web/20160303184658/http://www.thewisemarketer.com/briefs/archive.asp?action=read&bid=1989 |archive-date=3 March 2016 }}</ref>
* '''New Zealand''': Other programs include the [[New Zealand Automobile Association]] AA Smartfuel programme and [[Countdown (supermarket)|Countdown]] supermarket's Onecard. [[Kachingo]] was a short-lived "card free" programme.