{"id":435,"date":"2022-11-28T06:48:39","date_gmt":"2022-11-28T11:48:39","guid":{"rendered":"https:\/\/www.argentmaintenant.com\/blogue\/?p=435"},"modified":"2023-09-11T09:30:33","modified_gmt":"2023-09-11T13:30:33","slug":"est-ce-que-les-programmes-de-recompenses-valent-la-peine","status":"publish","type":"post","link":"https:\/\/www.argentmaintenant.com\/blogue\/finance\/est-ce-que-les-programmes-de-recompenses-valent-la-peine\/","title":{"rendered":"Est-ce que les programmes de r\u00e9compenses valent la peine\u2009?"},"content":{"rendered":"<p><span data-contrast=\"auto\">Aujourd\u2019hui, il y a peu de magasins qui n\u2019offrent pas de programme de r\u00e9compenses, que ce soit avec un syst\u00e8me de points ou un abonnement quelconque. Qu\u2019on parle de v\u00eatements, de caf\u00e9s ou de gadgets \u00e9lectroniques, les consommateurs se font r\u00e9guli\u00e8rement offrir des cartes de points leur promettant des cadeaux \u00e9ventuels.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Il en va de m\u00eame pour les cartes de cr\u00e9dit, dont plusieurs offrent des remises en argent ou des programmes d\u2019accumulation de points pouvant \u00eatre \u00e9chang\u00e9s contre de la marchandise de toutes sortes.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">En valent-ils la peine ou ne sont-ils qu\u2019une arnaque\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Comme pour bien des choses, la r\u00e9ponse est\u202f: \u00e7a d\u00e9pend\u2009! L\u2019int\u00e9r\u00eat d\u2019un programme de r\u00e9compense d\u00e9pend de qui vous offre ce programme et de ce que vous en retirez comme consommateur. Tous les programmes ne se valent pas.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Sachez toutefois qu\u2019une chose est s\u00fbre\u202f: ces programmes de r\u00e9compenses sont avant tout un outil marketing servant \u00e0 fid\u00e9liser les consommateurs et les encourager \u00e0 d\u00e9penser davantage. Les entreprises ne le font pas de bont\u00e9 de c\u0153ur\u2009! Par contre, selon l\u2019utilisation que vous en faites, ils peuvent effectivement en valoir la peine.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Comment bien en profiter\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Il est facile de se perdre dans les programmes de r\u00e9compense, d\u2019accumuler des cartes d\u2019abonnement accept\u00e9es<\/span><span data-contrast=\"auto\"> \u00e0 la va-vite en magasin et de ne jamais s\u2019en servir. Avec <\/span><span data-contrast=\"auto\">ces quelques conseils, vous pourrez en profiter efficacement.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Planifier vos achats<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">D\u2019abord, veillez \u00e0 bien planifier vos achats. Faites vos achats de fa\u00e7on strat\u00e9gique en profitant des promotions les plus int\u00e9ressantes. Beaucoup de programmes ont des promotions r\u00e9currentes. Vous pouvez donc les noter \u00e0 votre calendrier.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Par exemple, une pharmacie pourrait offrir davantage de points sur des mouchoirs en papier vendus \u00e0 une date fixe. Vous pourriez donc faire le plein de mouchoir pour l\u2019hiver. Vous aurez vos mouchoirs, que vous utiliserez de toute fa\u00e7on et vous aurez gagn<\/span><span data-contrast=\"auto\">\u00e9<\/span><span data-contrast=\"auto\"> davantage de points.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">En sachant ce dont vous avez besoin et en pr\u00e9voyant vos achats \u00e0 l\u2019avance, vous pourrez plus facilement profiter des programmes de r\u00e9compense.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Se concentrer sur quelques programmes seulement<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vous participez<\/span><span data-contrast=\"auto\"> \u00e0 trop de programme<\/span><span data-contrast=\"auto\">s de r\u00e9compense en m\u00eame temps, vous risquez de perdre le contr\u00f4le et de ne jamais pouvoir en profiter\u2009! Imaginez qu\u2019on vous donne un caf\u00e9 gratuit chaque fois que vous arrivez \u00e0 un total de dix caf\u00e9s achet\u00e9s dans un m\u00eame commerce. Si vous allez au m\u00eame endroit tous les matins, vous gagnerez un caf\u00e9 gratuit toutes les deux semaines. Par contre, si vous faites la m\u00eame chose avec 3\u202fcaf\u00e9s diff\u00e9rents, en alternant chaque jour, vous n\u2019aurez m\u00eame pas un caf\u00e9 par mois\u2009!<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Privil\u00e9gier des commerces que vous utilisez r\u00e9ellement<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Veillez bien \u00e0 ce que les programmes de r\u00e9compenses auxquels vous adh\u00e9rez couvrent des d\u00e9penses que vous faites r\u00e9guli\u00e8rement de toute fa\u00e7on. Par exemple, l\u2019\u00e9picerie et la pharmacie sont des incontournables. Pour certains, des points pour l\u2019essence, les billets d\u2019avion ou les sorties au cin\u00e9ma ou dans un restaurant sp\u00e9cifique peuvent \u00eatre \u00e9galement int\u00e9ressants.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Il faut aussi que les commerces concern\u00e9s soient accessibles. Rien ne sert d\u2019avoir une carte \u00e0 point pour une \u00e9picerie ou une pharmacie qui se trouve \u00e0 l\u2019autre bout de la ville. Certains programmes couvrent plusieurs commerces. Il vaut donc la peine de bien regarder la liste des commerces participants.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Faites attention aux magasins qui vous plaisent, mais dans lesquels vous n\u2019avez pas \u00e0 d\u00e9penser r\u00e9guli\u00e8rement. Avoir une carte de point dans une boutique de v\u00eatement pourrait vous encourager \u00e0 d\u00e9penser plus que vous ne l\u2019auriez fait en temps normal.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Identifier vos objectifs<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Avant de vous inscrire \u00e0 un programme de r\u00e9compense, identifiez bien vos objectifs\u2009! Pourquoi voulez-vous y adh\u00e9rer\u2009? Certains programmes promettent de grosses r\u00e9compenses sans pour autant r\u00e9v\u00e9ler l\u2019\u00e9quivalent en argent qui doit \u00eatre d\u00e9pens<\/span><span data-contrast=\"auto\">\u00e9<\/span><span data-contrast=\"auto\"> pour recevoir ladite r\u00e9compense.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">N\u2019allez donc pas d\u00e9penser plus que d\u2019habitude<\/span><span data-contrast=\"auto\"> \u00e0 la pharmacie<\/span><span data-contrast=\"auto\"> parce qu\u2019une carte \u00e0 point vous permettrait d\u2019aller en vacances dans le sud, quand <\/span><a href=\"https:\/\/www.argentmaintenant.com\/blogue\/budget\/comment-preparer-son-budget-voyage-tout-au-long-de-lannee\/\"><span data-contrast=\"none\">\u00e9conomiser <\/span><span data-contrast=\"none\">ou ajuster votre budget vous permettrait de le faire plus rapidement<\/span><\/a><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Utiliser les points comme un coussin financier<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">S\u2019il n\u2019y a pas de limites en mati\u00e8re de date quant aux points accumul<\/span><span data-contrast=\"auto\">\u00e9s<\/span><span data-contrast=\"auto\">, ces programmes de r\u00e9compenses peuvent servir en cas de besoin\u2009! Pensez particuli\u00e8rement aux points pour des choses essentielles comme l\u2019\u00e9picerie, l\u2019essence ou les m\u00e9dicaments. Il s\u2019agit d\u2019une alternative int\u00e9ressante qui compl\u00e8te bien un fond d\u2019urgence. Cela pourrait \u00e9galement vous soulager en <\/span><a href=\"https:\/\/www.argentmaintenant.com\/blogue\/finance\/comment-vaincre-le-stress-financier-7-astuces\/\"><span data-contrast=\"none\">p\u00e9riode de stress financier<\/span><\/a><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">Et les cartes de cr\u00e9dit\u2009?<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Pour les cartes de cr\u00e9dit, c\u2019est du cas par cas. Si vous utilisez d\u00e9j\u00e0 votre carte de cr\u00e9dit pour la majorit\u00e9 de vos achats et que vous la payez toujours \u00e0 temps (et id\u00e9alement en totalit\u00e9), un programme qui fait une remise en argent ou accumule des points peut \u00eatre tr\u00e8s int\u00e9ressant.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Comme pour les programmes de r\u00e9compenses traditionnels, il faut d\u2019abord bien \u00e9valuer son style de vie et choisir sa carte en fonction de ce dernier. Pensez \u00e0 choisir une carte couvrant des commerces que vous utilisez tr\u00e8s r\u00e9guli\u00e8rement.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Il y a \u00e9galement une tonne de facteurs \u00e0 prendre en consid\u00e9ration\u202f: le type de d\u00e9penses admises, les frais annuels, la facilit\u00e9 d\u2019utilisation des points, votre budget, etc.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Le magazine <\/span><i><span data-contrast=\"auto\">Prot\u00e9gez-vous<\/span><\/i><span data-contrast=\"auto\"> fournit d\u2019ailleurs un <\/span><a href=\"https:\/\/www.protegez-vous.ca\/argent\/cartes-de-credit\"><span data-contrast=\"none\">comparateur de carte de cr\u00e9dit<\/span><\/a><span data-contrast=\"auto\">. Sachez \u00e9galement que plusieurs cartes sont offertes sans frais la premi\u00e8re ann\u00e9e, mais vous facturent des sommes importantes d\u00e8s la deuxi\u00e8me ann\u00e9e. Veillez bien \u00e0 lire les petits caract\u00e8res du contrat.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Il y a des programmes qui m\u00e9langent cartes de cr\u00e9dit et programmes de points. Les m\u00eames conseils s\u2019appliquent.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Dans tous les cas, assurez-vous de ne pas d\u00e9penser plus que vous ne le feriez normalement simplement pour profiter de r\u00e9compenses \u00e9ventuelles. C\u2019est la r\u00e8gle d\u2019or. Il faut souvent d\u00e9penser l\u2019\u00e9quivalent de plusieurs milliers de dollars pour recevoir une r\u00e9compense d\u2019une valeur de 100\u202f$.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Finalement, rappelez-vous que les programmes de r\u00e9compenses sont avant tout un outil marketing qui sera toujours plus payant pour les entreprises que pour les consommateurs, \u00e0 moins que vous ne soyez un de ces experts des cartes \u00e0 points qui voyage plusieurs fois par ann\u00e9e gr\u00e2ce \u00e0 ces programmes\u2009! C\u2019est tout \u00e0 fait possible, mais il s\u2019agit d\u2019un art en soi\u2009!<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aujourd\u2019hui, il y a peu de magasins qui n\u2019offrent pas de programme de r\u00e9compenses, que ce soit avec un syst\u00e8me [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":436,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-435","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Est-ce que les programmes de r\u00e9compenses valent la peine\u2009?<\/title>\n<meta name=\"description\" content=\"Aujourd\u2019hui, plusieurs magasins offrent des programmes de r\u00e9compenses. 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