• Amazon Prime Membership began as a way for members to get free, fast shipping but has evolved to now offering access to original content, from movies, shows, e-books, magazines, comics, music, and more. Amazon provides a credit card that often has a $30 gift card upon signing up along with 5% cash back at Amazon.com and Whole Foods Market, 2% cash back at restaurants, gas stations, and drugstores, with 1% cash back on other purchases. The card doesn’t have annual fees and foreign transaction fees. Add up these points and use them for your next Amazon.com purchase.

• Target’s REDcard that you can get as a credit card or a debit card. Many customers consider a must-have because it’ll save shoppers 5% on every purchase, gives free shipping for online orders, an additional 30 days for returns with no annual fee, and access to RedCard Exclusives.

• Kohl’s Yes2You Reward allows members to earn 1 point for every dollar they spend at Kohls. On the first of every month, you’ll get a $5 reward for every 100 points earned. The points do expire after 30 days, so they should be redeemed frequently.

• Starbucks has an excellent program for rewards — just be sure to use the app to maximize the benefits. You can download the app and sign up for free. Every day there are Bonus Stars you can participate to earn on top of the two stars for every dollar spent with Starbucks. Stars can redeem add-ons like extra syrups, drink upgrades, and free items.

How to stack your rewards for maximum value?

Ultimately rewards programs, whether it be in points, cashback, or gift cards, all have value. Make sure the view program terms because they’re always subject to change throughout the calendar year and make sure to use them if they expire. Many of these programs are free to use, so what are you waiting for? Start earning reward points today.