Loyalty programs promise to give something back for your spending, but sometimes those perks disappear before you even get a chance to use them. From coffee points to airline miles, expiration policies can be confusing, and many companies count on customers forgetting to redeem in time. A recent survey found that the average American leaves over $300 worth of unused rewards on the table each year. The fine print is often what turns “free perks” into missed opportunities. If you’re not paying attention, your loyalty might just be making the company richer instead of rewarding you.
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