The Globe and Mail reports in its Wednesday edition that store loyalty programs often are not as enticing as travel or grocery programs, but some offer incredible value. Guest columnist Barry Choi writes that the key is to understand how you can earn more points and how best to redeem them to get the best value. The Tims Rewards program offered by the Tim Hortons fast-food chain offers a good return in the right situation. Whenever you make a purchase at Tims and scan your rewards card, you will earn 10 points for every dollar spent. You can also earn extra points with in-app offers. When redeeming your points, there are seven different redemption levels, ranging from 300 points for items like cookies and classic doughnuts, to 1,800 points for wraps or bowls. Depending on the menu item you select, one Tims Reward point can have a value of between 34 and 66 cents. Although prices vary by location, hash browns and dream doughnuts generally offer the highest return. To earn more points, you could apply for the Tims credit card. It has no annual fee and earns you 15 points per dollar spent at Tim Hortons, five points per dollar spent on groceries, transit and EV charging, and one point per $2 spent on all other purchases.