Payments and rewards

IKEA Family is free for adults with an email address and brings points, member prices, 90-day price protection, delivery savings and free store pickup.

IKEA offers two store credit cards, the Projekt card for 0% plans from $500 and the IKEA Visa for rewards, plus Afterpay; its pages list no layaway.

Kohl's Rewards is free and pays back 5% of purchases, or 7.5% with a Kohl's Card, as Kohl's Cash issued monthly in 5 dollar steps; event Kohl's Cash differs.

MyLowe's Rewards Credit Card gives 5% off or financing like 6 months no interest on $299 or more, and Progressive lease-to-own needs no credit history.

Lowe's gift cards sell for $5 to $2,000, never expire while they hold a balance, carry no fees, and work in Lowe's stores and on Lowes.com only.

Recent guides report four Macy's Star Rewards levels, free Bronze without a card and three card levels by yearly spend, with 1,000 points worth $10.

Since March 2026 Michaels Rewards has three tiers by yearly spend, Red, Gold at $300 and Platinum at $1,000, earning 3%, 6% or 9% plus birthday perks.

My Best Buy is free, Plus costs $29.99 a year and Total $199.99; paid members earn 1% back in points, 6% with the store credit card.

MyLowe's Rewards is free, pays 1 to 1.5 points per dollar by status and turns every 500 points into $5 of MyLowe's Money; Pro Rewards has its own tiers.

myWalgreens is free and pays 1% in Walgreens Cash storewide and 5% on Walgreens brand items; the Cash is spent in set amounts and expires after 12 months.

The Nordy Club is free, earns 1 point per dollar or up to 3 with a Nordstrom card, and turns 1,000 points into a $10 Note, as reported in 2026.

Office Depot OfficeMax Rewards is free and pays 2% back on most purchases as monthly certificates, with 5% on ink, paper and print for VIP and Select members.

Lowe's takes cards, its own credit cards, gift cards, Pay by Bank and Affirm plans online; its pages do not settle Apple Pay, PayPal or Afterpay.

Target takes Apple Pay, SNAP EBT online and in stores, Afterpay and other pay-later plans online, and most cards, but no personal checks.

PetSmart Treats Rewards is free, earns 10 points per dollar on products and services, and turns every 1,000 points into $2 off; points expire after a year.

REI Co-op membership costs $30 once and lasts for life, with a yearly Co-op Member Reward that REI says is typically 10% of eligible purchases.

Sam's Club takes Visa, Mastercard, American Express and Discover, debit, cash, checks and SNAP EBT in clubs, and tap to pay is rolling out through 2026.

Sam's Club sells two memberships, Club at $60 a year and Plus at $120 a year, and Plus now bundles Walmart+ with extra Sam's Club perks.

Sephora Beauty Insider is free to join, with VIB at $350 and Rouge at $1,000 of yearly spending unlocking bigger discounts and extra rewards.

Staples Easy Rewards gives 1 point per $1 on qualifying purchases, more in three bonus categories you pick, and 200 points take $1 off at checkout.

Target.com takes Affirm, Afterpay, Klarna, Zip and Sezzle; Amazon and Costco offer Affirm; Sephora takes Klarna and Afterpay; Apple Pay adds Affirm or Klarna.

Target, Costco and IKEA list Apple Pay in stores, and Target and IKEA online too; Walmart is adding it through Tap to Pay by the end of 2026.

SNAP EBT online works in all 50 states and DC at USDA approved retailers such as Amazon, Walmart, Target, Costco and ALDI; fees still need another card.

Best Buy takes PayPal online and in stores; Target and IKEA take it online only, Walmart lists it among its payment methods, and Costco does not list it.