ST. PAUL, Minn. -- Kowalski's Markets here is using card clubs to build loyalty, and daily traffic, at service departments such as the coffee bar and the sandwich bar. The latest such program, to be launched this month at a remodeled store in White Bear Lake, Minn., is a prepaid card for a designated number of drinks from the espresso bar. That and other card-based programs are working to turn the bakery and food-service departments into destinations, according to company sources. The ...

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