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It was once that loyalty playing cards had been nearly accumulating factors if you spend. These factors would then accumulate and be transformed into cash off vouchers. Alternatively, the factors would accumulate as a money worth which might then be knocked off your purchasing. 

Today, loyalty playing cards accomplish that rather more. You’ll be able to nonetheless acquire factors, however you too can unlock reductions, get cash off offers and earn unique rewards. Nevertheless, it may be so complicated to work out which playing cards supply the perfect offers. Is it value purchasing round to get the perfect out of various playing cards, or do you have to stick along with your favorite retailers and profit from being a loyal buyer? What about playing cards which don’t supply factors however provide you with rewards as a substitute – are they value it? 

Under we spherical up among the hottest loyalty playing cards and apps, in addition to what to look out for and learn how to get essentially the most out of your purchasing. 



Tesco Clubcard

CARD or APP: Each

POINTS: 1 level for each £1 spent in retailer, and each £2 spent on gasoline. Factors may also be collected through Tesco Financial institution and Cellular. 

VALUE: 150 factors is value £1.50. Vouchers will be spent in retailer however Clubcard vouchers are value much more if spent with Clubcard companions – that is in all probability what they’re finest recognized for. Clubcard boasts over 300 companions – from eating places to theme parks and lodges. 

BENEFITS: One other profit is that loads of in retailer promotions are actually solely obtainable to Clubcard members. One other good cause to enroll. 

EXTRAS: For normal buyers who wish to save much more, you will get Clubcard Plus for £7.99 a month. With Clubcard Plus you will get 10% off two huge retailers a month, 10% off most Tesco branded items and F&F in-store.  


Tesco Clubcard Vouchers actually cowl all bases – from cash off your purchasing to member solely promotions however they arrive into their very own when used to pay for days out and meals. You’ll be able to flip 50p value of Clubcard vouchers into £1.50 value of reward companion vouchers to spend at Prezzo or Zizzi, for instance. Used this fashion, it is among the most beneficiant schemes round. 

Sainsbury Nectar

Loyalty cards

CARD or APP: Each

POINTS: 1 level for each £1 spent in retailer, on-line or on Sainsbury’s gasoline. 

VALUE: 500 factors are value £2.50, which will be spent in retailer or on-line.   

BENEFITS: Weekly personalised provides.

EXTRAS: You may also acquire and spend factors with Sainbury’s huge model companions. They embrace Argos, eBay, Sky Retailer and Vue. Most companions give prospects 2 factors for each £1, however some supply extra. Take a look at the web site for extra info. 


Even should you don’t typically store at Sainsbury’s, it’s value getting a Nectar card for the factors you possibly can earn from Sainsbury’s companions. Be certain that to verify the place you possibly can earn factors. They mount up and you may spend them in so many locations it actually does make sense. 

Asda Rewards

loyalty cards

CARD or APP: App 

REWARDS: Clients can acquire ‘Asda Kilos’ by shopping for Star Merchandise or finishing Missions. 

VALUE: Star Product and Mission earnings (the ‘Asda Kilos’) are collected and displayed as a complete sum in your Cashpot. The stability will be transformed into vouchers to spend in retailer. 

BENEFITS: There may be typically the choice of changing a portion of your Cashpot stability right into a Enhance voucher, which will increase its worth by a sure share. 

EXTRAS: Asda additionally has a Christmas Financial savings Card. Within the run as much as Christmas buyers can add a number of additional £s right into a ‘financial savings’ account. 


Solely actually worthwhile in case you are an everyday and constant Asda buyer. In the event you do your weekly store there you’ll profit from the app. In any other case, there’s in all probability not rather a lot to be gained.  

Co-op Membership 

loyalty points

CARD or APP: Each – it prices £1 to hitch.

REWARDS: The Co-op loyalty card doesn’t provide you with factors, you earn a refund in your purchases. Members may also select 2 cash off vouchers per week, that are added to their card or app. 

VALUE: 2p for each £1 spent on chosen Co-op services.

BENEFITS: Co-op matches the cash again you earn and offers the identical quantity to help neighborhood organisations and native causes.

EXTRAS: The loyalty scheme provides unique membership offers and personalised provides,  in addition to reductions on Co-op companies corresponding to insurance coverage and funerals.


The weekly cash off vouchers are helpful for small retailers and the rewards do mount up. Co-op is especially good for these with a social conscience as you might be giving cash to good causes each time you utilize your card. 

Iceland Bonus

loyalty points

CARD or APP: Each  

REWARDS: Iceland don’t supply factors however their loyalty card acts like a financial savings account. For each £20 you save, they add a £1 bonus. It really works by letting the cashier know the way a lot you wish to save they usually add it to your card or app. So should you save £2 every week, you may have £109 in a 12 months.  

BENEFITS: You’ll be able to spend out of your Bonus Card in retailer or on-line – simply let the cashier know the way a lot you wish to spend.  Iceland say this makes it simpler for folks to finances and save. There is no such thing as a minimal or most quantity it can save you per store. 

EXTRAS: Unique Bonus Card costs and free dwelling supply on orders over £25 instore on £35 on-line. Card holders additionally get particular provides and treats in your birthday. 


Finest for very loyal Iceland prospects, somewhat than those that pop in often. The financial savings component of the cardboard is a special tackle the same old loyalty schemes – it might work significantly properly within the run as much as Christmas. 

Lidl Plus

loyalty cards

CARD or APP: App

REWARDS: Lidl don’t supply factors. Clients who’ve the app get 4 cash off coupons every week, launched on a Thursday. On the time of writing, coupons included 15% off chocolate bars, 15% off tinned fish and 10% off Manuka Honey.  

BENEFITS: Utilizing your Lidl Plus app additionally means you earn money again (much like the Iceland Bonus card) – spending £100 provides you £2 credit score, £200 provides you £10 credit score. 

EXTRAS: Every time you store you get a scratchcard providing the prospect to win £20 off your subsequent store. There are additionally reductions from companions –  corresponding to 3 month Children Go membership and as much as £150 off bookings with Loveholidays. 


Even with the temptations of the centre aisle, spending £100 in Lidl often is a tall order so the financial savings side just isn’t as enticing as different shops factors schemes. The coupons are additionally time restricted. Nevertheless, the scratch card is enjoyable and provides a bit of pleasure to your weekly store. 


loyalty cards

CARD or APP: Each (Morrisons relaunched their loyalty scheme in Might 2021) 

REWARDS: Morrisons not give factors however ship you personalised provides on the stuff you purchase most frequently. Rewards are both within the type of cash off vouchers for normal gadgets or cash off your complete store.  

EXTRAS: Each time you scan your digital card, you’ve gotten the prospect of successful a Basket Bonus which may imply something type £5 off your subsequent store to a bunch of flowers or a deal with from the bakery. 


Clients who’re signed as much as the loyalty scheme obtain their coupons digitally – which is okay for individuals who often use apps, doubtlessly much less so for individuals who don’t or can’t afford a sensible telephone. The Basket Bonus is an efficient solution to preserve prospects utilizing their playing cards, with a great vary of shock prizes. 

M&S Sparks

loyalty cards


REWARDS: You’ll be able to’t earn factors with a Sparks card, as a substitute you get perks corresponding to personalised provides, the prospect to win a free reward and the prospect to get your searching for free.

BENEFITS: The cash off vouchers are value having – provides will be something from 15% off bread, 20% of underwear to 10% off clothes. They alter pretty often however you don’t at all times know when they’re going to be uploaded.


The jury continues to be out on the Sparks card. A lot of buyers would somewhat acquire factors and get cash off vouchers to spend as they please, somewhat than being directed in direction of particular financial savings. One other main draw back is that it’s a must to bear in mind to load the provides you wish to use onto your Sparks card. The cashiers can do that for you however they don’t at all times ask. Nevertheless, the financial savings available – when they’re obtainable and loaded onto your card – are undoubtedly value having. Total, it’s value carrying the cardboard or downloading the app, simply don’t overlook to verify it often.  


loyalty cards

CARD OR APP: Each (You may also get a key fob model) 

REWARDS: You’ll be able to’t earn factors with a MyWaitrose card. As an alternative, you get common cash off vouchers (to make use of in your complete store), personalised vouchers based mostly in your purchasing habits and the occasional freebie. 

BENEFITS: MyWaitrose card holders get 20% off the meat and cheese counters each day and 20% off the fish counter on Fridays. In addition they get cash off extras like dry-cleaning and a free journal.

EXTRAS:  Card holders used to get a free newspaper and a free scorching drink. Waitrose not supply the free paper and have paused the free scorching drink. The web site says they’re working to deliver this perk again. 


Waitrose is a considered as a high-end grocery store and as such has a smaller share of the market. Clients are typically loyal – with out the pull of a loyalty card or numerous cash off offers. The MyWaitrose card is worth it even should you solely do occasional deal with retailers there, you possibly can nonetheless get your cash off the recent meals counters and use your personalised cash off vouchers. 


Excessive Road – Magnificence

Boots Advantage Card 

Loyalty cards

CARD or APP: Each 

POINTS: 4 factors for each £1 spent.  

VALUE: 1 level =  1p (so for each £1, you earn 4p). 

BENEFITS: You’ll be able to spend your factors at any time, so long as you’ve gotten sufficient factors to cowl the entire transaction. In different phrases, you possibly can’t use your factors to pay a bit in direction of your whole store, they has to pay for every part you’re shopping for. You’ll be able to nonetheless pay for a few gadgets along with your benefit card and the remaining with money or your financial institution card. 

EXTRAS: Benefit card holders obtain a free well being and wonder journal and there are sometimes numerous provides on, that means you possibly can earn additional factors if you purchase sure manufacturers or spend a specific amount. Over 60s can earn 8 factors per £1 on many Boots personal merchandise too. 


Among the finest recognized loyalty playing cards, with Boots benefit it actually does pay to buy. Factors accumulate rapidly and are value greater than most different loyalty schemes. 

Superdrug Health & Beauty Card 

CARD or APP: Each 

POINTS: 1 level for each £1 spent.

VALUE: 1 level = 1p. Factors can solely be utilized in multiples of 100. So 100 factors = £1 off, 200 factors = £2 off, and so forth.

BENEFITS: Not like the Boots Benefit Card, you should use your Superdrug factors together with money. So, should you’re purchasing involves £7.45 and you’ve got 500 factors, you should use these factors to knock £5 off your whole invoice, then pay the remaining £2.45 in money. 

EXTRAS: Members get free commonplace supply on on-line orders over £10 (non-members should spend £15 to get free supply). You additionally get particular reductions each Thursday and a birthday deal with. 


You don’t get as many pennies to your factors as you do with a Boots Benefit Card, however the Superdrug card does help you use your factors to knock cash off your store. It is a huge plus level for us.  


Excessive Road – Books and Stationery

Paperchase Treat Me 


REWARDS: As the web site says – no factors, simply perks! You get a £5 credit score in your card for each £50 you spend (restricted to 1 reward per transaction). New prospects additionally get 15% off their first store. 

BENEFITS: You’ll be able to earn cash off your purchasing, get additional perks on the finish of month and a £5 birthday reward voucher. You may also get a free supply improve on-line, on orders over £30. 

EXTRAS: Once you purchase 7 greeting playing cards inside 12 months, you’ll get one free. 


Excellent for anybody with a stationery fetish however not a lot should you simply purchase the odd card or pen. Treats are solely redeemable for a month after they’re activated, which is a minus level, nevertheless it’s value having for a free £5 voucher in your birthday.  

Waterstones Plus


POINTS: Earn a Plus Stamp for each £10 you spend.  

VALUE: 10 Stamps = £10 to spend in retailer, within the café or on-line.

BENEFITS: Get an unique deal with yearly. 

EXTRAS: Loyalty card members are notified first about provides and gross sales, in addition to unique occasions. 


It’s a beneficiant reward scheme. Even should you solely purchased a few paperbacks or one hardback a month at Waterstones, you may nonetheless successfully get £10 a 12 months again! This might get you a free guide. For anybody who loves studying, that is at all times going to be value it. 


Excessive Road – Clothes

TXMaxx Treasure



REWARDS: Accumulate ‘keys’ each time you store. Rewards usually are not based mostly on how a lot you spend, however on how typically you go to a TXMaxx or HomeSense retailer, you too can acquire  ‘keys’ on-line. Accumulate 5 keys after which select a reward.

BENEFITS: You’ll be able to acquire as much as three keys per day – one from every of the shops and one on-line. Rewards will be an merchandise, an opportunity to win an expertise or a visit or you possibly can donate to charity. 


One other card that rewards you for frequency somewhat than the quantity you spend, you possibly can accumulate keys fairly rapidly and earn your rewards. There is no such thing as a minimal spend, so for devoted prospects, you may go to a retailer a day and earn a reward every week! Price having. 



POINTS: £1 = 1 level 

VALUE: with 0-299 factors you will get reward vouchers and provides. When you’ve acquired 300 factors you develop into a Plus Member which provides you entry to even higher advantages and provides. 

BENEFITS: Get 10% off your first buy if you be a part of. 

EXTRAS: Members get free supply on orders over £20, free Click on & Accumulate and 25% off in your birthday. Plus members get free supply on all orders, shock provides and distinctive entry to particular collections. 


Even should you don’t store at H&M often it’s value having the app in your telephone and accumulating factors if you store. There aren’t any actual disadvantages, and also you get perks simply by being a member.  

Urban Outfitters – UO Rewards

loyalty cards


POINTS: There are many other ways to earn UO factors – take a look at the web site for a full record. You get 75 factors for signing up, 50 factors for downloading the app, 50 factors for subscribing to the e-mail and 30 for enabling push notifications. And that’s only for starters. You additionally earn 25 factors if you make a purchase order. 

Entry stage members get some perks, however it solely takes 300 factors to develop into a Silver Member and 600 to succeed in Gold. Contemplating you get 230 only for becoming a member of the scheme, you’re already properly in your solution to Silver. 

VALUE: £5 voucher for each 100 factors.

BENEFITS: All members get early entry to the gross sales and new assortment launches, in addition to member-only competitions and bonus level days. There’s a lengthy record of perks – once more take a look at the web site for the entire particulars. 

EXTRAS: Present additional perks embrace Denim Days – earn 10 bonus factors if you store for denims and the identical if you store City Renewal (the classic arm of the model). 


As loyalty schemes go, UO Rewards actually does reward you for being a loyal buyer. You’ll be able to earn factors by searching for any gadgets (from scrunchies to coats) so the factors accumulate with out breaking the financial institution. The perks are good worth too. 


Espresso Outlets

Costa Coffee Club

loyalty card


POINTS: £1 = 5 factors (acquire in retailer or at Costa Specific machines).

VALUE: 5 factors = 5p, so to earn a £1 you’d have to spend £20.

BENEFITS: You’ll be able to order your espresso upfront utilizing the app and you may earn typically bonus factors if you purchase a drink or snack.


Factors are solely lively for 12 months and it’s a must to spend a mean of £60 earlier than you’ll earn sufficient for a free drink, however in case you are an everyday buyer it is smart to obtain the app or swipe your card.  


loyalty cards


POINTS: You’ll be able to’t earn factors at Starbucks, it’s stars. £1 = 3 stars.

VALUE: For a free drink you’ll want 150 stars.

BENEFITS: When you attain 450 stars you develop into a gold member and may get additional photographs of expresso, dairy options, and different extras totally free. Gold members additionally get a free drink on their birthday.


It’s not a really beneficiant scheme – it’s a must to spend no less than £50 to get a free drink. There are higher loyalty schemes on the market, but when Starbucks is your espresso store of selection, you’ve nothing to lose by incomes your stars. 

Caffe Nero

loyalty cards

CARD OR APP: Each (you possibly can switch stamps out of your card to the app in retailer).

POINTS: Get a stamp each time you order a drink (made by the barista).

VALUE: 9 stamps =  a free drink. 

BENEFITS: Get a further stamp should you use a reusable cup. You may also add cash to the app that means you possibly can nonetheless purchase your espresso should you’ve nipped out and forgotten your bag or pockets. 


One of many higher espresso store loyalty schemes – it’s easy and also you solely want to purchase 9 drinks (to get 9 stamps) earlier than you get your freebie. 


There are tons of of loyalty playing cards, apps and schemes on the market nowadays. Most of them are free and don’t value you something to make use of. Nevertheless, these are loyalty schemes – they pay you again for being loyal. To get essentially the most out of any of them, decide one or two for every of your wants or purchasing habits and try to keep on with these. You’re way more prone to get the profit this fashion. In the event you store in all places and use all of the loyalty playing cards obtainable, you’ll nonetheless get factors and rewards – it would simply take rather a lot longer. 

What to look out for? To get essentially the most out of your playing cards, control the app or web site and see when bonus provides are working. There’s nothing extra irritating than finishing an enormous store after which realising you may have saved cash should you’d used your card or uploaded a suggestion.


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