Which company is credited with creating the first modern customer loyalty program in 1896, using small copper tokens that customers could collect and later redeem for merchandise?

The concept of customer loyalty programs has a fascinating history that stretches back further than many realize. Before digital points and mobile apps, retailers developed innovative ways to encourage repeat business and reward loyal customers. This trivia question explores the origins of one of retail's most enduring customer retention strategies and how it transformed the relationship between merchants and consumers throughout history.

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Sperry & Hutchinson (S&H Green Stamps)
The Grand Union Tea Company
Montgomery Ward
Sears, Roebuck and Co.