PHOENIX - From grocery stores to hardware stores, more and more chains are now offering reward cards.
The programs are designed to give consumers incentives to continue shopping at specific stores. The businesses pushing the hardest to get you to sign up right now might be the big chain drug stores.
With so many options, it can be hard to tell which cards are really saving you money. So I've done the research for you.
Most loyalty cards promise discounts and future cash back, but a new survey finds that a program that works well for some, may not work as well for others.
Consumer website cheapism.com compares plans from the top three drug stores-- Walgreens, CVS and Rite Aid.
It claims Rite Aid may the best option for big spenders.
That's because they offer discounts of up to 20 percent on most items in the store once you reach the required spending amount.
CVS offers 2 percent back, which may be appealing to consumers who don't spend as much.
If you're a senior, the survey said Walgreens and Rite Aid programs offer extra incentives and added discounts for AARP members.
And it says CVS offers the biggest discounts on beauty products like makeup and facial creams.
Some of you may be concerned about privacy issues, but you don't have to give your home address in order to get the cards.
However, keep in mind that if you use the pharmacy, they already have it on file.
Remember, while they stores often run regular sales, you usually need to be a part of their loyalty program to get the savings.
E-mail me email@example.com with any consumer problem you have or "like" my Let Joe Know Facebook page and tell me about it there.