Which retailer first introduced the customer loyalty program with points-based rewards in the early 20th century?

Throughout history, retail innovation has transformed how we shop and consume products. From ancient marketplaces to digital commerce, retailers have pioneered techniques to enhance customer experience and build loyalty. This trivia question explores one of the most influential retail innovations that changed consumer behavior and set standards for modern shopping experiences. Test your knowledge of retail history!

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S&H Green Stamps (Sperry & Hutchinson), 1896
Sears Roebuck's 'Profit Sharing Plan', 1910
American Express Membership Rewards, 1891
Montgomery Ward's 'Customer Dividend Program', 1903