Best: Starbucks ( SBUX) Rewards

Easily one of the best programs in the market for one big reason: free stuff. The whole idea of a program like this is to "reward" a consumer for frequent patronage, which is why entry-level perks like a free drink on your birthday and two hours of free Wi-Fi per day eventually grow into free syrup and milk options, free refills and free coffee with bean purchase as a Starbucks customer feeds his or her fix.

Granted, the free drink for every 15 purchases that a "Gold Level" member makes doesn't seem great compared to 10-for-1 elsewhere, and old Starbucks Gold members lose their 10% discount, but the breadth and variety of this free program still make it worth the swipe.

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