It seems that every business seems has a reward network now. I have three that I use frequently, but depending upon where you live in the US … that number could be dramatically different.

If you don’t understand how the reward actually works or what the perks are, you could be throwing away a significant amount of money.

Questions you need to know upfront are few: (1) Do I see my savings immediately or is it on my next trip? and (2) Do I need to keep up with my receipt?

Starting with those two things can help you start out on the right track, but you’ll certainly want to research more on your own via the store website.

Here are some links to get you started:

CVS – ExtraBucks program

Kroger – Kroger Card Savings

Publix – Upromise program

Best Buy – Reward Zone

These are just a few of the many programs around these days! Remember to “LIKE” these businesses (and those that you frequent) on Facebook for even more information on the savings programs offered.

Remember  €¦  €œthere’s no cents in paying full price! €

* This post is part of a weekly segment on KSBJ Christian Radio. For more on segments featuring Stephanie Click, the Texas Money Mom, click here.