A discount program, a promotional program and an incentive awards program whereby points are earned for purchases made via credit cards, debit cards and other payment services which can be redeemed for discounts on fuel and groceries; promoting the goods and services of others by means of a loyalty program, a discount program, a promotional program and an incentive awards program, whereby points are earned or awarded for purchases made by members which can then be redeemed for discounts on fuel and groceries; provision, organization and administration of loyalty, discount, promotional and incentive award programs, namely, managing and tracking the transfer and redemption of points that are earned or awarded for purchases made by members; providing incentive awards program through issuance and processing of points of value to customers; supermarket services; retail grocery stores; retail pharmacy services; retail store services featuring convenience store items and gasoline; online retail grocery store services featuring pickup services and home delivery; promoting the goods, services and gift cards of others by offering discounts on the price of gasoline and groceries; retail store services featuring groceries, convenience store items, pharmacy items and gasoline provided via downloadable mobile applications