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To him, the ultimate loyalty program is what you get if you stick with your local neighborhood bank.

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Many community financial institutions offer extremely attractive rewards on checking and savings accounts, he said.

The trick is picking an account with reward-earning terms that match your monetary lifestyle.

Her top tip is to pursue points over most other types of rewards.

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Keep Tabs and Tune In

Hobbs also recommends periodically checking in and taking inventory of your rewards.

Now is an excellent time to check what youve accrued.

These rewards can help you save on different types of expenses.

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Krajicek takes the concept a step further.

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