I currently belong to a few loyalty programs for various grocery store chains and they all are free to join and give me points back on purchases that can be later redeemed for store credit. I think we can all agree that this is pretty normal practice and a good way to save some money. What I would like to know is what you think about loyalty programs that have a subscription fee? I belong to two of these, one is connected to a clothing account and the other to my medical aid. Before I share my own ideas on this I wanted to know yours?