Right now participating stores are
The Aquarius
Discount Aquarium
The Pet Shop
Club Reef
SW Aquaculture
Pet Kona
Aquarium Arts
Shark Reef
They are working on adding tropical treasures.
Each store will do discount on a weekly or monthly basis for card holders, usually the card pays itself off with first purchase. I was supposed to get mine this weekend and things came up so I will be going to Chris or Carlos this week to get mine.
Saint: $5 of the $20 goes to the store. The other $15 goes towards purchasing loaner equipment, PAR meter I think is on the list as well as fish traps, chemicals and other hardware people can borrow and use.
The store's incentive is to be part of the program and get more business from AMS members, the $5 helps a tiny bit but it is mostly the increase in business and the knowledge of supporting a local marine group and this hobby in general. If it didnt help them I doubt so many stores would be so willing to help us out, they have been offering some great deals for members.