5 Customer Loyalty Programs That Pay Off
Annual cost: $79
Basic benefits: Unlimited free two-day shipping from more than 70 participating retailers, including lordandtaylor.com, toysrus.com, and beauty.com.
Perks: Free shipping on returns; 30-day free trial; exclusive discounts (such as 30 percent off your next eBags.com order); can add up to four household members.
Restrictions: Benefits may not apply to large items, like a grill or a couch.
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So maybe you can’t change your health overnight. But you can get a head start.