You may have a wallet full of cards other than your credit and debit cards. There's the grocery card, the drugstore card, the bookstore card, the frequent coffee buyer card for your local café, and countless others. Having a fat wallet or a bulky keychain to help you save money may be cumbersome and annoying.

Three companies have now popped up that allow consumers to be loyal customers, yet not have to deal with the hassles of loyalty programs. These programs are all tied to a credit or debit card, which means one swipe will pay for a purchase and help rack up valuable rewards.

Swipely, a service that started in Rhode Island, is currently expanding into Boston with its loyalty program. Register a Visa, MasterCard, Discover or American Express card with Swipely, and when it's swiped at any of the hundreds of participating merchants, the user is enrolled into the merchant's rewards program. With every purchase made, Swipely users earn rewards and points, all without needing to have separate loyalty cards, apps or paper coupons.

"Swipely turns consumer's credit and debit cards into their reward cards for local businesses. There are no additional loyalty cards to carry, smart phone apps to install, vouchers to buy, or coupons to cut. Simply pay with your enrolled credit or debit card to earn automatic cash-back rewards with every purchase. For example, you may earn $10 cash back on your first purchase at a local restaurant. Then you'll earn 1 point for every dollar spent at that restaurant good towards a $20 reward. You may also receive special “surprise” rewards for being a loyal customer," says Pliopailin Flynn, corporate communications for Swipely.

Swipely is geared toward local merchants. "Our mission is to bring big brand marketing tools to Main Street. Therefore, our sweet spot is retailers between 1 to100 locations – making marketing more powerful and effective in ways to drive meaningful profit growth for local retailers is what makes us tick," says Flynn.

To protect users' credit card numbers, Swipely has taken many security measures. "Swipely has passed numerous security audits, earning certification approval from Trustwave, Verisign, McAfee, TrustE and the Better Business Bureau. Swipely is a 'read only' service, we cannot places any charges to your card," says Flynn.

Womply, a Washington DC-based program that is also free for consumers, is based on a concept called the Loyalty Cloud. Consumers link their credit card to the service and use the card to pay for their purchases. The Loyalty Cloud instantly recognizes a Womply user, so loyalty points start accruing automatically. Once a consumer has paid for three transactions with this card, she earns a reward from that merchant.

The Loyalty Cloud helps merchants understand their frequent customers better, and once a customer is eligible for a reward, the Loyalty Cloud instantly recognizes it and pushes it directly to the user's card.

According to Womply, its security levels and encryption are comparative to online purchases and bank technology, which helps the company protect its users' credit card numbers.

Based on the West Coast, Offermatic analyzes a consumer's spending history to create personalized offers that are sent directly to a user's linked card. Users can use the free service to link multiple credit and debit cards to their Offermatic accounts, earning a $5 rewards at selected national retailers just for signing up.

Once a week, Offermatic e-mails a special deal to the user. When a user wants that deal, it's loaded directly onto his card, so he doesn't have to remember any special coupons or codes. As one's purchase history grows, Offermatic is able to provide more targeted deals. Users can also earn points that allow them to get to higher levels of deals.

Offermatic has bank-level security and encryption, and the service has read-only access to the purchase history of a registered card. Its security infrastructure is regularly audited to meet industry standards.

Whether these three companies will become the next Groupon or Living Social remains to be seen, but their methods of helping consumers get a handle on their loyalty programs might instill enough loyalty to make this service the next big thing.