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Loyalty programs are all scams!

You don't actually gain any net-benefits from loyal programs, but the businesses gain lots as they collect and track your spending data to use for their out purposes.
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Depends on the program .. but I tend to disagree. Airline and hotel points from business travel and credit cards have funded, or partially so, several personal trips saving me thousands of $$. Credit card points from purchases I'm making anyway (groceries, gas, etc) have been used for many purchases of outdoor gear, etc.

Not sure why you are not seeing benefits, but my experience has been different.