Maintain a registry of loyalty program memberships: merchant, account ID, current point balance, point expiry dates, and redemption rate (points per dollar and dollar value per point).
Before each purchase, calculate the expected point earn at each eligible merchant; factor in bonus-point promotions by querying each program's current promotions endpoint if available.
At checkout, evaluate whether redeeming existing points on this purchase is optimal: compare the redemption value against holding points for a higher-value future redemption (e.g., points worth 1.2¢ now vs 1.5¢ on a future redemption tier).
After order confirmation, verify that expected points were posted to the account within the typical posting window (1–14 days); flag missing points for manual follow-up.
Alert before point expiry: if a program has expiring points, identify a low-cost purchase or qualifying activity that would reset the expiry clock.
Maintain a point valuation model per program so the agent can make consistent earn/burn trade-off decisions.
Known gotchas
Loyalty program terms change frequently; cached redemption rates can become stale and lead to suboptimal decisions — refresh rates from the program's API or terms page at least weekly.
Some programs require a minimum point threshold for redemption; ensure the agent does not attempt to redeem below the floor amount.
Loyalty program APIs are not standardized; most programs require screen-scraping or unofficial APIs that can break without notice — treat them as best-effort data sources.
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp