Which pioneering customer loyalty program is considered the first modern example in retail history, introduced in 1896?

Before digital rewards and smartphone apps, customer loyalty programs had humble beginnings that transformed retail history. These programs fundamentally changed how businesses retained customers and created long-term relationships. This trivia question explores the origins of an innovation that would eventually become a cornerstone of modern retail strategy, reshaping how stores incentivized repeat business throughout the 20th century.

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S&H Green Stamps, where customers collected stamps with purchases and redeemed them for merchandise
The Sears Catalog Club, offering special discounts to members who ordered regularly through mail order
Woolworth's Golden Coin Program, where shoppers collected bronze, silver and gold tokens for different spending tiers
The Montgomery Ward Preferred Customer Cards, giving cardholders exclusive access to sales before the general public