To set up loyalty and rewards programs in Adobe Commerce, start by turning on reward points in the admin panel under Stores > Configuration > Customer > Reward Points. Next, create rules for how customers earn and use points, like for purchases or referrals. You can also use Adobe Commerce Development Services to help customize the program to fit your needs. Set when points expire and how many points are needed to redeem rewards. Use customer groups to offer special rewards and keep customers coming back.