These days, it seems like every business has a customer rewards program. But which loyalty cards are actually worth keeping in your wallet, and which apps should you never delete from your phone? We've compiled a list of all the best rewards programs for you to take advantage of.

Read the Fine Print First With Rewards Programs

A lot of stores offer amazing customer rewards and birthday freebies. But even the best rewards program is only as valuable as you make it, and not all store rewards programs are worth your time or cash. That being said, programs that are for a store you frequent — whether that's every day, week, or month — can be well worth looking into.

Still, we recommend reading the fine print before you sign up. True, that's easier said than done when you have a cashier pushing you to add yet another card to your keychain, but it's worth learning what the customer rewards program is about before you join.

Make sure the customer rewards are actually attainable, too. If a store has super cheap merchandise but is stingy with their point payouts, you could end up spending more than you normally would just to reach that next rewards threshold, or membership tier. And when you've earned your customer rewards, use them (wisely).

The 45 Best Customer Rewards Programs

Without further ado, here are the 45 best rewards programs! Are there any you think we should add to the list?

AMC

The AMC Stubs loyalty program has three tiers, but only the first one is free to join.

Tier: Insider
Cost: Free
Points/Dollar: Earn 20 points per dollar spent
Rewards: Redeem 5,000 points for a $5 reward
Perks:

Waived online ticketing fees for 4-plus tickets
Save on tickets and concessions on Discount Tuesdays
Free large popcorn refill
Birthday gift: large popcorn

Tier: Premiere
Cost: $5 per year
Points/Dollar: Earn 100 points per dollar spent
Rewards: Redeem 5,000 points for a $5 reward
Perks:

Insider-level perks
Free fountain drink and popcorn size upgrades
Waived online ticketing fees
Birthday gift: large popcorn and large fountain drink

Tier: A-List
Cost: $5 for the first month, then $19.95-$23.95 per month
Points/Dollar: Earn 100 points per dollar spent
Rewards: Redeem 5,000 points for a $5 reward
Perks:

Premiere-level perks
Up to 3 movies every week with free online reservations

Barnes & Noble

Name: B&N Membership
Cost: $25 per year
Sign-Up Reward: 20% off first purchase
Perks:

40% off hardcover bestsellers in-store
10% off almost everything else in-store
Free shipping
Member-exclusive offers
Special birthday offer
10% off regularly priced Nook devices and accessories

Baskin-Robbins

Name: Baskin-Robbins mobile app
Cost: Download Android or iOS app for free
Sign-Up Reward: Free regular scoop
Perks:

Receive deals and coupons
Pay from the app
Track events
Send mobile gift cards

BJ's Restaurant and Brewhouse

Name: Premier Rewards Plus
Cost: Free
Sign-Up Reward: Free Pizookie
Points/Dollar: Earn 1 point for every dollar spent
Rewards: Redeem 100 points for a $10 reward
Perks:

Receive exclusive deals and offers
Free birthday Pizookie

Books-A-Million

Name: Millionaire's Club
Cost: $25 per year
Sign-Up Reward: Over $100 in bonus coupons
Perks:

Free shipping on online orders
10% off entire in-store purchase
Special sales
Up to 40% off bestsellers

Bruster's Ice Cream

Name: Sweet Rewards
Cost: Free
Sign-Up Reward: $3 reward
Points/Dollar: Earn 1 point for every dollar spent
Rewards: Redeem 50 points for a $5 reward
Perks: Exclusive offers

Chick-fil-A

The Chick-fil-A One loyalty program features three tiers. It's free to join online, or when you download the Android or iOS app. Tiers are determined by how much you spend in a year.

Tier: Member
Points/Dollar: Earn 10 points per dollar spent
Perks:

Free food rewards
Bonus free food rewards from your local restaurant
Birthday reward

Tier: Silver Member
Cost: Earn 1,000 points in a year
Points/Dollar: Earn 11 points per dollar spent
Perks:

Member-level perks
Gift rewards to friends and family

Tier: Red Member
Cost: Earn 5,000 points in a year
Points/Dollar: Earn 12 points per dollar spent
Perks:

Silver Member perks
First to know about new menu items and insider info

Cinemark

Name: Movie Club
Cost: $8.99-$9.99 per month
Perks:

Receive 1 2D ticket per month (unused tickets roll over)
20% off concessions
Share benefits with a friend
Waived online fees
Add-on tickets at the membership price

Cold Stone Creamery

Name: My Cold Stone Club Rewards
Cost: Free
Sign-Up Reward: 25 bonus points, "buy one, get one free" creation
Points/Dollar: Earn 1 point for every dollar spent
Rewards: Redeem 50 points for a $5 reward
Perks:

BOGO free birthday creation
Opportunities to receive prizes
Exclusive offers
Sneak peek at new products and promotions

Corner Bakery

Corner Bakery Rewards has two ways to join and four different tiers. Sign up by downloading the Android or iOS app, or online here. In every case, you'll earn 5 points for every dollar spent.

Tier: Green
Point Range: 0-379 points
Sign-Up Reward: $5 off next purchase
Perks:

Exclusive offers sent via email
Free bakery sweet on birthday
For every $500 in catering orders, get $25 off your next purchase or a $10 Amazon gift code

Tier: Silver
Point Range: 380-1,249 points
Perks:

Green tier rewards
$5 off your next purchase for reaching the new tier
Weekly reward of any beverage for 99 cents

Tier: Gold
Point Range: 1,250-2,499 points
Perks:

Silver tier rewards
"$5 off purchase of $15" reward four times a year
Free Choose Two for membership anniversary

Tier: Platinum
Point Range: 2,500-plus points
Perks:

Gold tier rewards
BOGO free entree four times a year

CREAM

Name: CREAM Rewards Program
Cost: Free
Sign-Up Reward: Free cookie sandwich
Points/Dollar: Earn 1 point for every dollar spent
Perks:

Redeem points for rewards
Exclusive access to news and offers

Culver's

Name: MyCulver's
Cost: Free
Sign-Up Reward: BOGO free value basket
Perks: Exclusive offers

CVS

Name: ExtraCare
Cost: Free
Perks:

Earn 2% back in ExtraBucks Rewards
Extra savings on your favorite items

Dick's Sporting Goods

Name: ScoreCard
Points/Dollar: Earn 1 point for every dollar spent
Rewards: Redeem 300 points for a $10 reward
Perks:

Exclusive offers
Faster checkout
First to know about new and exclusive gear

Dippin' Dots

Name: Dot Crazy! Email Club
Cost: Free
Perks:

Free Dippin' Dots on your birthday
Special coupons and offers
Exclusive promotions

Dunkin'

Join for free by downloading the Android or iOS app.

Name: DD Perks
Points/Dollar: Earn 5 points for every dollar spent
Rewards: Redeem 200 points for a free drink
Perks:

Free birthday beverage
Exclusive bonus-point offers
Check out faster
Order on the go

JCPenney

Name: JCPenney Rewards
Cost: Free
Points/Dollar: Earn 1 point for every $2 spent
Rewards: Redeem 200 points for a $10 reward
Perks:

Receive an offer on your birthday
Extra earning opportunities

Jersey Mike's

Name: Shore Points
Points/Purchase: Earn the following:

3 points for every kids' meal
4 points for every mini-size sub or breakfast sandwich
6 points for every regular sub, wrap, or Sub-in-a-Tub
12 points for every giant sub

Rewards: Redeem points for the following:

48 points for a free mini-size sub
72 points for a free regular-size sub, wrap, or Sub-in-a-Tub
144 points for a free giant-size sub

Perks:

Free birthday sub
Exclusive offers and promotions
Personalized ordering experience

Kohl's

Name: Kohl's Rewards
Cost: Free
Perks:

Earn 5% Kohl's Rewards on every purchase
Special birthday gift
Personalized perks to help you earn rewards faster

Krispy Kreme

Name: Krispy Kreme Rewards
Cost: Free
Sign-Up Reward: Free doughnut
Rewards: Earn free treats
Perks: Receive exclusive offers, freebies, and other rewards

Marble Slab Creamery

Join the program for free by downloading the Android or iOS app.

Name: Slab Happy Rewards
Sign-Up Reward: Earn a $5 reward with your first purchase
Points/Dollar: Earn 1 point for every dollar spent
Perks:

Exclusive sweet deals and offers
Earn a reward for every friend you refer

Moosejaw

The Moosejaw Rewards Program lets you earn Moosejaw Reward Dollars, or MJ$, whenever you make a purchase. You can then use the MJ$ to buy gear and clothing. If you spend at least $500 in a year, you can become part of the High Altitude program, which has four separate tiers.

Tier: Basic
Cost: Free
Perks:

Earn 10% back in MJ$ as soon as your order ships
Earn 2.5% back in MJ$ on discounted items

Tier: Aconcagua
Spend: $500 annually
Perks:

Access to a private promotion and 25% off one item once per year
20% off full-priced Moosejaw-brand items
Early access to key promotions

Tier: Denali
Spend: $1,000 annually
Perks:

Aconcagua-level perks
Extra 10% off sale products
Receive an annual High Altitude gift

Tier: K2
Spend: $1,500 annually
Perks:

Denali-level perks
Access to private promotions twice per year

Tier: Everest
Spend: $2,000 annually
Perks:

K2-level perks
Free return shipping on all orders

Nordstrom

Name: The Nordy Club
Cost: Free
Points/Dollar: Earn 1 point per dollar spent
Perks:

Earn status based on how much you spend and receive new benefits
Exclusive access to workshops and events

Office Depot and OfficeMax

Office Depot OfficeMax Rewards features both basic and VIP tiers. VIP status is granted to customers who spend at least $500 within a 365-day period.

Tier: Basic
Cost: Free
Perks:

2% back in rewards on furniture, supplies, and tech
Members-only savings
Rewards for recycling ink and toner cartridges (up to 10 per month)
Rewards for product reviews (up to 3 per month)

Tier: VIP
Spend: $500 in a year
Perks:

Basic-level perks
5% back in rewards on ink, toner, paper, and print/copy/ship services
Free delivery with no minimum purchase required
Exclusive VIP perks

Omaha Steaks

Omaha Steaks' Steaklover Rewards program is free to join, but offers extra benefits to higher spenders.

Tier: Steaklover Rewards
Cost: Free
Points/Dollar: Earn 1 point per dollar, or 2 points per dollar spent on Private Reserve items
Perks:

Rewards for purchases and referrals
Email exclusive offers

Tier: Premium Membership
Spend: $300 in a year
Points/Dollar: Earn extra points on every purchase
Perks:

Premium offers and rewards
Birthday exclusive offers

oVertone

Name: Color Club
Cost: Free
Points/Dollar: Earn 2 points per dollar spent
Rewards:

Redeem 1,500 points for a $15 voucher
Redeem 2,000 points for a $20 voucher
Redeem 2,500 points for a $25 voucher

PDQ

Name: PDQ Fan Club
Cost: Free
Sign-Up Reward: 3 free tenders with any purchase
Perks:

One offer every month
Free birthday meal

Petco

Name: Pals Rewards
Cost: Free
Points/Dollar: Earn 1 point per dollar spent
Rewards: Redeem 100 points for a $5 reward
Perks:

Free birthday gift for your pet
Free shipping on repeat deliveries

Pizza Hut

Name: Hut Rewards
Cost: Free
Points/Dollar: Earn 2 points for every dollar spent
Rewards: Redeem points for select rewards like breadsticks, wings, and pizzas
Perks:

Exclusive offers and discounts
Faster checkout
Birthday reward

Pizza Inn

Download the Android or iOS app to sign up.

Name: Pizza Inn Rewards
Cost: Free
Sign-Up Reward: Free medium chocolate chip Pizzert
Perks:

Earn rewards on every 9th visit
Online ordering
Exclusive offers
Free birthday dessert

Potbelly Sandwich Shop

Name: Potbelly Perks
Cost: Free
Points/Dollar: Earn 10 points for every dollar spent
Rewards: Redeem 1,000 points for a free entree

REI

Name: REI Co-op
Cost: $20 for a lifetime membership
Perks:

Earn annual membership dividend
Receive special member pricing on classes, tours, and events
Special pricing on rentals
Access to member exclusive events

Rita's

Download the Android or iOS app for free.

Name: Rita's Rewards
Cost: Free
Perks: Earn a free regular Italian Ice, Frozen Custard, or Gelati on your 8th visit

Rite Aid

Name: Wellness+ Rewards
Cost: Free
Points/Dollar: Earn 1 point per dollar spent
Perks:

Members-only pricing
Exclusive email offers
Automatic savings on participating items
Earn up to 25 points per prescription filled
Earn up to at least 20% off eligible in-store purchases

Sally Beauty

Sally Beauty Rewards is a 2-tier program, with the higher tier netting you free shipping and an extra gift.

Tier: Preferred
Cost: Free
Sign-Up Reward: Receive a $5 reward with your first purchase
Points/Dollar: Earn 10 points for every dollar spent
Perks:

Custom color consultations
Bonus opportunities to earn extra points
Receive exclusive savings
Get an extra $5 reward during your birthday month
Receive double points on all purchases during your birthday month

Tier: Elite
Spend: $200 in a calendar year
Points/Dollar: Earn 12.5 points per dollar spent
Perks:

Preferred-level perks
Free shipping on all orders
Yearly thank-you gift

Sephora

Sephora's Beauty Insider loyalty program has three different tiers. All members, regardless of status, earn 1 point per dollar spent. Additionally, members can redeem 500 points to receive $10 off a qualifying purchase.

Tier: Insider
Cost: Free
Perks:

10% off seasonal savings events
Free shipping on $50
$15 off Dollar Savings offer
Points for discount events
Free birthday gift (with 3 choices)
Sample rewards
Points multiplier events to receive 2 times the points
Access to Meet & Greets, trips, and more
Points for services
Redeem points for sweepstakes entries

Tier: VIB
Spend: $350 in a year
Perks:

Insider-level perks
15% off seasonal savings events
Free shipping on $35
$20 off Dollar Savings offer
Free birthday gift (with 4 choices)
Exclusive gifts
Points multiplier events to receive 3 times the points

Tier: Rouge
Spend: $1,000 in a year
Perks:

VIB-level perks
20% off seasonal savings events
Free shipping with no minimum purchase required
$25 off Dollar Savings offer
Rouge Reward: Exchange 2,500 points for $100 off your purchase
Points multiplier events to receive 4 times the points
Access to exclusive events
Receive first access to products

Starbucks

You can sign up online, or download the Android or iOS app for free.

Name: Starbucks Rewards
Cost: Free
Points/Dollar:

Earn 2 points per dollar spent when paying through the app via your Starbucks Card
Earn 1 point per dollar spent with other methods of payment

Perks:

Earn free food, drinks, and more
Order ahead and pay via your phone
Receive free brewed coffee and tea refills
Receive a birthday treat
Exclusive offers

SweetFrog Premium Frozen Yogurt

Name: Sweet Rewards
Cost: Free
Perks:

Earn sweetBenefits with every purchase
Earn a free 12 oz. cup every 10 visits
Get free frozen yogurt on your birthday
Members-only offers

TCBY

Join the TCBY Insiders club by downloading the Android or iOS app for free.

Name: TCBY Insiders
Cost: Free
Perks:

Earn a $3 reward for every $30 spent
Earn $3 for every referral
Free birthday treat when you reach Silver Spoon status
$3 reward when you reach Golden Spoon status
$5 reward when you reach Platinum Spoon status

TGI Fridays

Name: Fridays Rewards
Cost: Free
Sign-Up Reward: Free appetizer or dessert
Perks: Exclusive perks

Ulta

Ulta's Ultamate Rewards is a 3-tier program that lets you use points toward both products and beauty services.

Tier: Member
Cost: Free
Points/Dollar: Earn 1 point per dollar spent
Perks:

Free birthday gift
Earn 2 times the points during your birthday month

Tier: Platinum
Spend: $500 in a year
Points/Dollar: Earn 1.25 points per dollar spent
Perks:

Member-level perks
$10 birthday coupon
Points never expire

Tier: Diamond
Spend: $1,200 in a year
Points/Dollar: Earn 1.5 points per dollar spent
Perks:

Platinum-level perks
Everyday free shipping on $25
Annual $25 beauty service rewards card

Village Inn

Name: Village Inn eClub
Cost: Free
Sign-Up Reward: Special welcome offer
Perks: Valuable deals and coupons

Walgreens

Name: Balance Rewards
Cost: Free
Points/Dollar: Varies
Rewards:

Redeem 1,000 points for a $1 reward
Redeem 2,000 points for a $2 reward
Redeem 3,000 points for a $3 reward
Redeem 4,000 points for a $4 reward
Redeem 5,000 points for a $5 reward
Redeem 10,000 points for a $10 reward
Redeem 20,000 points for a $20 reward
Redeem 50,000 points for a $50 reward

Perks:

Earn points on prescriptions and vaccinations
Earn points on shopping trips
Earn points for healthy choices

Williams-Sonoma

Name: The Key
Cost: Free
Rewards: Receive a reward when you earn at least $15
Perks:

Earn 3% back in rewards
Exclusive access
Free design services

Valid Stores:

Pottery Barn
Pottery Barn Kids
Pottery Barn Teen
West Elm
Williams-Sonoma
Williams-Sonoma Home
Mark & Graham

Yogurtland

Every tier in the Yogurtland Real Rewards program earns 2 points for every dollar spent.

Tier: Green Level
Cost: Free
Sign-Up Reward: Free 3 oz. treat
Perks: Free 3 oz. birthday treat

Tier: Raspberry Level
Cost: Earn 60 points in a year
Perks:

Receive 3 oz. of yogurt free for every 36 points earned
Free 5 oz. birthday treat

Tier: Platinum Level
Cost: Earn 240 points in a year
Perks:

Receive 4 oz. of yogurt free for every 36 points earned
Free 16 oz. birthday treat
Free 16 oz. "Unlimited Cup" for every 520 points earned

Readers, what are the best rewards programs you know about? Share your favorites in the comments below.