On average, the survey finds, travelers actively participate in 1.5 programs now compared with 2.2 in 2007. That means they're adding to accounts or cashing in points from the programs at least once a year.

The reasons for the drop are varied, travel analysts say. Business travelers aren't on the road as much. Airlines and hotels are working hard to hang onto their best customers in tough economic times and give them deals.

Corporations have negotiated contracts with preferred airlines and hotels and penalize employees who go outside them.

Many travelers are simply tired of juggling multiple loyalty programs. Business travelers, especially, are choosing one or two of their favorite airlines, hotels and rental car companies to avoid the headache of keeping up with expiration and blackout dates.

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