Good question. There are reward programs that really work for me. Like my Ralphs Grocery points. I shop there anyway and those points really add up.

We also have the Best Buy program but found that it didn't always pay to buy there over Amazon. It was a nice bit of change back at Christmas though when we bought big ticket electronics.

Borders rewards are hit and miss for me. I used to do Barnes and Nobel but since you have to pay to join the program that makes no sense to me.