Making money by spending money – that's the idea behind loyalty cards and programs. Which programs are worth your while? Let’s take a look. Larry Minogue has been smart about money most his life, starting a budget in his 20s that, he feels, has paid off. Larry also focuses on get more from each purchase. In his words, "Five percent adds up when you are spending $10,000 a year with groceries or rent." Experts say a big way to do that is by using loyalty programs.