No money down: Retailers are adding free loyalty programs in addition to store-branded credit cards.
• Don't shop around: Shopping at just three or four stores racks up more loyalty points than buying at many stores.
• Elite perks: The Neiman Marcus credit card, InCircle, tracks what shoppers buy and how they cross-shop the company's different stores including Bergdorf Goodman.
• Combine to conquer: Avoid carrying all those rewards cards. The KeyRing app digitizes program barcodes onto a smartphone. At the register, just scan from the phone.
• Digital divide: Creating a separate email address to give to stores keeps a shopper's primary inbox clear.<
• Big pharma: CVS/Pharmacy ExtraCare rewards program has 67 million members.
• Rewards reapers: About 3 out of 4 Americans belong to a retail loyalty card program.
• Check receipts: Retailers often tack some of the best coupons to the end of a receipt.
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