I'm hearing people say it is hard to get out of the program once you get in it and since they have either your CC information or if you financed your purchase with their finance Co which is Synchrony Bank they will automatically charge your account another $99 when your year is up even if you don't want to continue to be a member. I read this on Next Door from multiple people who have gone through this with MB. Getting out of the program was such an ordeal for them they said they would never shop there again. I will find out if this is true in about 10 months because we just purchased $5000 worth of furniture a couple of months ago. We were offered 10% right off the bat but if we joined their rewards, financed through Synchrony Bank, and bought the 5 year fabric protection we would get 25% off. That turned out to be a better deal even buying all the extras. I paid off the furniture when the first statement came.