Which historical retail innovation is credited with introducing the first modern points-based loyalty program that influenced countless future customer reward systems?

In the history of retail, customer loyalty programs transformed how businesses retained customers. These programs evolved from simple punch cards to sophisticated digital systems, but their origins trace back to specific historical innovations that changed retail forever. This trivia question explores a pivotal moment in the development of modern loyalty marketing that would ultimately reshape consumer shopping habits and brand relationships.

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S&H Green Stamps (1896), where customers collected stamps with purchases to redeem for merchandise from catalogs
The Sears Catalog Club (1892), which offered discounts to repeat mail-order customers who joined an exclusive membership
Montgomery Ward's Golden Certificate Program (1901), providing paper vouchers for future purchases based on spending amounts
Woolworth's Customer Appreciation Cards (1914), where frequent shoppers received punched cards for discounted merchandise