Traveler’s Checks provide a % bonus to the money you earn from each Floor.
Over time and with progress, you will collect more Traveler’s Checks and the bonus will increase. However, you must Burn It or Claim to stash away those Traveler’s Checks and activate the bonus.
You will need at least 50 Traveler's Checks to Burn It for the first time. Upgrading Milton will improve the rate at which you earn Traveler's Checks.
Loyalty Points are also generated over time and cannot be used until you Burn It. Loyalty Points are used to pull from Human Resources files to unlock character bonuses or further upgrade them.