I have never paid for a rewards card. Our LQS loves us all and provides great service, classes and important information about machines, quilting and more. They have a class to make a 20% bag that includes the store logo. When we bring the bag to classes we get 20% off anything we purchase whether for the class or not, and if we bring the bag on Saturdays, we get 20% off. Even though a novice quilter, I feel welcome in this shop...even when I do not buy anything. I agree with others who suggested you call the owner and let him/her know how you felt when charged for the card.