[Ntrails]

I carry a debit card, a credit card, and a joint account card.

My problem is the 15 loyalty cards I'd need to carry to get my free mocha/chicken/subway/points/etc/etc, give me an amalgamation of that shit and I'll love you for ever.

[Semaphor]

One example of a mobile app solution is [1], a low-tech solution is [2].

[1]: http://www.keyringapp.com/

[2]: http://lifehacker.com/5719587/make-your-own-consolidated-loy...