Loyalty programs, in general, are low IQ scams.

“Do you want to save 15% on today’s purchase by signing up for a Lowe’s Credit Card?”

You save 15% today bc they ran the numbers and discovered we are low IQ dunces.

Take the card, max it out, and be in debt to the company for the next 20 years.

Your Vegas room is comped because you suck at black jack and are addicted to slots.

“I cruise for free.”

Credit Card points.

Don’t play these games with a sub 100 IQ.

Just rambling.