Consumer Reward Schemes - Are They Really Worth It? by Adam Singleton. Fifty years ago, the concept of reward schemes was almost non-existent. However, nowadays you'd be hard pressed to find a big business that doesn't offer some form of point card, club card, advantage card or premier point scheme for loyal customers. But are these schemes really worth signing up for, do they really save you money and have you ever wondered what's in it for the companies that offer... products, articles, news