Systems, methods, and apparatus are disclosed for managing a loyalty program. In some embodiments, a system includes a loyalty program management (LPM) system and a point-of-sale (POS) terminal. The POS terminal is configured to read a membership identifier, identify a plurality of goods, complete a sale of the identified plurality of goods to the member, and transmit, to the loyalty program management system, the read membership identifier and information about the identified plurality of goods. Based on the received information, the LPM system is configured to identify one or more point categories, and update earned loyalty points of the member in each of the identified one or more point categories. The LPM system is further configured to provide the POS terminal with a redemption value to be applied to the sale.