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Loyalty pricing can sometimes mask higher base prices. Understanding how these programs work may help you avoid spending more than you need to.

Those plastic loyalty cards dangling from your keychain might cost you more than you think. While grocery stores pitch their membership programs as money-saving tools, mounting evidence suggests these schemes could inflate your weekly food bills. Walk into any major grocery chain today, and you spot the two-tier pricing system immediately. Member price: $3.99. Regular price: $5.49.
