There are a great deal of loyalty playing cards and schemes – from quick meals, magnificence, healthcare, supermarkets, pet shops, and furnishings retailers.
Most come within the type of apps you possibly can preserve in your cellphone, which actually saves carrying round so many!
However what are a number of the greatest loyalty schemes on the market? And how will you profit from them?
Let’s check out this bumper listing of over 50 UK loyalty playing cards.
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What’s the level of a loyalty card?
Retailers hope loyalty programmes will preserve clients buying with them quite than rivals. By providing rewards and reductions for repeat enterprise, reminiscent of money-off and BOGOF offers, you might be extra doubtless and tempted to return and proceed spending cash.
However huge manufacturers and retailers don’t simply need your repeat enterprise – they need information on buyer buying and spending habits. This manner, they’ll plan and develop merchandise, supply tailor-made promotions to their clients and even adapt retailer layouts. In return, savvy buyers are rewarded with cash off coupons and reductions.
Are they price it? That is debatable – in all probability solely price it if you’re shopping for explicit items within the first place. Should you begin shopping for merchandise simply because they’re on a particular supply, you could be spending extra of your hard-earned cash than you deliberate.
Methods to get essentially the most out of your loyalty schemes
Savvy buyers know the most effective methods to spice up their rewards and pave the way in which to save cash.
Get essentially the most out of reward playing cards
Earn bonus factors
Look out for double bonus provides and promotions to maximise your factors. You may get your loyalty playing cards to work more durable and maximise the factors you earn. Use the shop’s app, web site or social media to examine when there’s a potential to earn extra.
Enhance your level values
Reap the benefits of the provides while you spend your loyalty rewards. They typically have a low return, however Tesco Clubcard is among the greatest when it comes to total worth. With their Reward Companions, you possibly can flip 50p price of Tesco vouchers into £1.50 to spend on a takeaway pizza.
Analysis level provides
It’s price trying round for particular provides and planning to make use of your rewards for days out or Christmas buying.
Finest loyalty playing cards
There’s something for everybody from IKEA to Costa, M&S to Iceland. We present you ways greatest to spend your factors to get essentially the most out of your freebies.
Grocery store loyalty playing cards
Asda Rewards
The Asda Rewards App is a relatively new kid on the block!
You are set “missions” and earn cashback when you buy the products or ranges suggested in the app. Once you hit the target, you will be given a cash bonus.
You can then exchange your “cash pot” for Asda vouchers to spend in store.
You have to remember to scan your barcode when checking out, as there is no way for the customer service team to add your points to your account afterwards.
This is an app only loyalty scheme – no physical card is given.
You also get a discount on your shop if you link your Blue Light Card.
Iceland Bonus Card
The Iceland Bonus Card gives you £1 back for each £20 you save to the card – you can use the bonus immediately or keep saving it up. You can get £109 back in a year, plus discounts on shopping too.
The scheme offers:
- Exclusive product discounts
- 1,000s of chances to win great prizes
- Free home delivery in store or online
- Get a gift for your birthday
- 10% off on Tuesdays in store for people aged over 60s
Tesco Clubcard
Tesco Clubcard is the most popular loyalty cards, with around 20 million people having signed up, and about 80% of Tesco transactions have a Clubcard scanned at checkout.
The supermarket tailors discounts to you on your shopping habits through the app and offers coupons, giving Clubcard-only price discounts on products with Clubcard Prices.
You’ll earn 1 point for every £1 you spend in Tesco, with each point worth a penny. Your points will be awarded as a voucher when you get to 250 points. You can use your vouchers to pay for your shopping.
Tesco has partnered up with several companies, who will (up to) double the value of your points on everything from shopping to holidays and days out. Clubcard holders also receive discounts on certain grocery items.
You also get a whole host of other benefits, including bonus points on insurance, Tesco Mobile, F&F Clothing and more.
Tesco Clubcard vouchers have an expiry date, so be sure to use them before they expire. You can track them in the Clubcard app.
Nectar Card
The Nectar Card first appeared in Sainsbury’s. When Sainsbury’s bought Argos, it also means you can collect points through them. You can also link your account to eBay and collect and spend points with the online auction site.
Sainsbury’s and Argos spends earn you 1 point for every £1 you spend. Sainsbury’s is worth 0.5p.
You don’t need to wait for vouchers in the post and can spend them directly from your Nectar card or app.
If you don’t want to spend them in store for face value, you boost their value with Nectar Partners.
There is no expiry date on Nectar points, so you don’t need to worry about cashing them out.
Use our Nectar points calculator to see how much your points are worth.
myWaitrose
You don’t earn any points with the myWaitrose loyalty program. Instead, the account offers you monthly exclusive discounts and money off your shop.
You will also be entitled to the following:
- Free self-service hot drink after shopping (you must have your own cup)
- 20% off selected meat from the counter in store every Saturday
- 20% off selected fish from the counter in store every Friday
- Free Waitrose magazines
- 5% off laundry and dry cleaning at Johnsons the Cleaners
Morrisons More
Morrisons More loyalty app (previously known as Match & More, then MyMorrisons, now Morrisons More) provides discounts, vouchers back after you’ve collected enough points, and personalised offers based on your spending history.
You need to activate the offers before you get to the checkout.
The card also offers member-only price reductions.
Lidl Plus
Lidl Plus is an app-only loyalty card getting you money off and discounts on your food shop.
You build up points on your shopping each month for money off larger discount vouchers.
The rewards have recently changed so that you receive a free bakery product and then a free cleaning product when you spend a certain amount. Each week there are four different coupons for various products. You get discounts such as 20% off bakery products or other items and even £5 off a £40 shop coupon.
When you scan your card at the checkout, you get a “scratch card” with the chance to get a voucher for up to £20 off your next shopping trip.
Co-op Membership
This loyalty app is easy to use, although does cost £1 to sign up. However, you’ll soon start seeing your money back after taking advantage of money-off vouchers to use in store, such as 25p off eggs or 50p off fresh vegetables.
Each week you will be given some exclusive offers to use.
You used to get 2p back for every £1 you spent, but this was removed in 2024. Instead, they offer member-only discounts.
Best fuel loyalty cards and apps
You can use specific loyalty schemes for petrol stations or your supermarket cards when filling up your motor at Tesco or Sainsbury’s. These schemes can help to get money off fuel.
Although loyalty points are great, you need to balance the reward with the overall cost. Take a look at where you can find the cheapest fuel.
Texaco Star Rewards
At Texaco, you save 1p for every litre of fuel you fill up.
When you reach 500 points, you can redeem a £5 voucher or gift card.
You can get gift cards with Love2Shop, Argos, M&S or John Lewis, or you can use them to get free fuel from Texaco.
You get double points on your first three fill-ups when using the Star Rewards app.
BPme Rewards
If you’re going to be getting fuel anyway, you may as well get points.
You collect points on each visit with the loyalty card on the BPme Rewards app. This is for spending on fuel or in the shop.
You can use your points to boost your Avios balance, or use them at BP on a range of gifts.
You get £2.50 when you sign up to get started.
You used to have the option to collect Nectar points at BPme, but that was stopped in 2018 when they launched their own loyalty scheme.
Shell Go+
The Shell loyalty scheme offers you rewards every time you go to.
While you spend £10 or extra on gas or £2 or extra within the store, it’s logged as a “go to”.
In your tenth go to, you’re going to get cash off gas.
As an ongoing profit, you additionally get 10% off on-the-go meals ranges and 10% off scorching drinks.
Esso
Esso doesn’t have its personal loyalty scheme however permits you to accumulate factors utilizing your Nectar card. You’ll be able to pay out of your automobile and accumulate Nectar factors with the Esso app.
Every litre of gas rewards you with 1 Nectar level, and when buying of their service station or utilizing their automotive wash, you will get two Nectar factors for every £1 spent.
While you’ve saved up sufficient Nectar factors, you possibly can swap 300 factors for 5p off a litre.
Well being and sweetness
Boots Benefit Card
The Boots Benefit Card is the UK’s third hottest loyalty card. For every £1 you spend at Boots, you earn 4 factors, the identical as 4p to redeem again in retailer or on-line.
It is among the greatest loyalty schemes and is well-liked with college students (who can get 10% off with this card) and new mums. Boots has a Parenting Membership, the place you possibly can accumulate double factors, and there’s a free Boots journal each month for members.
You must use your card not less than annually, or you’ll lose your factors.
Superdrug Well being Magnificence card
The Superdrug Well being & Magnificence card earns you 1 level for each £1 you spend.
While you attain 100 factors, you possibly can swap them for £1, which is successfully 1% again in your purchases.
Should you spend over £10, you get free customary supply. As a part of their rewards providing, you additionally get particular reductions every Thursday, member-only costs and a birthday freebie every year. Customers can use the cardboard in retailer or on-line.
The Physique Store – Love Your Physique Membership
You’ll earn 10 factors for each £1 you spend at The Physique Store. While you’ve saved 500 factors, you possibly can swap them for merchandise price £5, which is round 10% again in your first spend.
You’ll be despatched £5 price of factors in your birthday to spend on-line or on this well being and sweetness retailer.
Bear in mind that The Physique Store UK is at present in Administration and shops are closing, so it could be that this loyalty scheme stops sooner or later within the close to future.
Holland & Barrett Rewards For Life
With Holland & Barrett, you’ll accumulate 4 factors for each £1 you spend. Every level is price 1p, which means you earn 4% out of your buying.
You’ll be able to obtain unique provides all year long that can assist you get monetary savings.
Quick meals and treats
McDonald’s
The McDonald’s App permits you to construct factors every time you scan your QR code at checkout or while you order via the app. As you construct up factors, you might be provided free meals.
Being an app consumer, it’s also possible to get entry to low-cost meals promotions and accumulate stamps for a free scorching drink.
Greggs Rewards
With the Greggs app, you earn rewards every time you purchase breakfast, pastries, candy treats, drinks, sandwiches and bakes.
You might be provided meals at no cost while you accumulate 9 stamps in a class.
Are you signing up for the primary time? There’s additionally free Greggs meals up for grabs!
KFC Rewards Arcade
With the Rewards Arcade app from KFC, you possibly can win free meals.
They offer away hundreds of free meals every day. To get an invitation to play their recreation to win, you might want to spend £3 (5€ in ROI).
For KFC deliveries (not Uber and so on), you might want to spend a minimal of £7.
Burger King App
Once more, no loyalty factors, however you’ll obtain reductions on sure menu gadgets.
You may get good offers on meals and particular provides.
Subcard from Subway
The Subway reward card earns you factors in your buy to spend on meals.
The quantity of factors you earn on the app is dependent upon whether or not you may have registered for an account or are simply utilizing it. As a registered consumer, you get 1 level for each 10p spent (1 level for each 15 cents ROI).
You get double factors for the primary 28 days as a newly registered account holder.
YO! rewards
For sushi lovers, every time you eat in, click on and accumulate or get takeout, you possibly can earn reward factors at YO!
Each 50 factors earn you a £5 off voucher to make use of in your subsequent go to. You’ll be able to solely use one £5 voucher per order (so maybe order mains and puddings individually).
Krispy Kreme Rewards
These doughnuts are scrumptious however fairly dear. However you possibly can earn 10 factors for each £1 you spend – when you earn 100 factors, you’ll obtain a free doughnut. In addition they supply freebies to your birthday.
You’ll be able to solely use the reward scheme in Krispy Kreme shops and never in supermarkets with concessions.
Cafe and low store loyalty playing cards
Starbucks
For each £1 you spend at Starbucks, you accumulate three stars.
While you’ve managed to avoid wasting up 150 stars, you possibly can redeem them for a free drink.
After getting 450 stars, you’ll develop into a Gold member and be provided extras reminiscent of whipped cream or further espresso photographs. You’ll be spending round £50 earlier than you get your free drink.
You additionally get a free drink as a Gold Member in your birthday.
Caffè Nero loyalty card
With Cafe Nero, you accumulate stamps while you order a barista-made drink and sure meals throughout promotions. You get a freebie from the menu while you attain 9 stamps in a class.
Bear in mind, it’s also possible to get 25% off barista-made drinks with Meerkat Meals (which might value simply £1 for a complete yr).
Check out different Caffe Nero provides.
Pret A Manger – PretPerks
PretPerks permits you to earn stars on each store. When you’ve collected ten stars within the app, you might be given a perk, together with freebies from a range on supply.
There are additionally bonus stars and perks are sure occasions of the yr.
Should you join the Espresso Subscription, you get further stars every time you renew and with something you drink. Maintain a glance out on social media for particular promotions and reductions on their subscriptions.
Costa Membership
With the Costa Coffee Club, you’ll obtain 5 factors for each £1 you spend. Not the most effective scheme round as you’ll need to spend £20 to earn £1 in credit score. You’ll be able to’t use your loyalty app together with some other reductions.
After getting collected your eight beans and bought your self a free drink, you might want to use this inside six months.
Restaurant loyalty playing cards
It’s price signing up for restaurant loyalty playing cards for reductions and particular provides.
Nando’s Card
While you spend over £7, you’ll earn a Chilli Level. This may be with a spend on the until or in the event you order by way of the app at your desk.
You may as well redeem rewards on-line in the event you’ve positioned an order on Click on and Gather or Supply.
While you’ve collected three Chillis, you will get free meals the following time you order. The extra Chillis you may have, the higher the meals turns into: 3 chillis is inexperienced tier and will get you 1/4 hen or any starter; 6 chillis is orange tier and nabs you a free 1/2 hen or any single burger, pita or wrap; and 20 chillis is crimson tier which sees you get a free entire hen, single combo meal or salad.
Factors expire after a yr.
Toby Carvery app
You’ll be able to achieve entry to cash off vouchers and reductions via having the app in your cellphone, together with 25% off essential meals throughout the week.
You may as well e-book a desk via the app, which is useful.
Beefeater Reward Membership
Join unique reductions, get a free bottle of prosecco in your birthday and rather more.
Use your app to gather factors when consuming in at Beefeater, and also you’ll earn 5 factors for each £1 you spend. While you attain 500 factors, you possibly can put them in the direction of reductions to your meals.
Journey and holidays
Avios Air Miles
Store usually on their e-store and achieve factors to place in the direction of a vacation. Think about incomes free flights or holidays via buying on-line.
Utilizing the AirMiles loyalty scheme, you possibly can earn a mile per £2 spent.
You earn factors when reserving flights, automotive rent or lodges and buying at explicit retailers, together with Apple and John Lewis.
Hilton Honors
Hilton Honors Membership permits you to progress via tiers to get higher perks the following time you keep.
As a member, you additionally get entry to preferential charges to your upcoming keep.
Trend and retail
SHEIN loyalty program
There are a number of methods to earn loyalty factors with SHEIN – it’s not nearly spending cash.
You earn Shein factors for every £1 you spend however earn extra while you merely verify your registration, depart a overview, or examine in each day on the app.
Each 100 factors offers you £1 to spend on the positioning, and the factors can take off as much as 70% of the merchandise you buy.
Factors expire, and also you often have as much as three months to make use of them.
Ikea Household
Ikea Household is free to affix and provides a number of freebies, together with a free scorching drink of their cafe throughout the week.
You’ll even have entry to workshops, occasions, member reductions on merchandise and injury insurance coverage on the transit of your items.
H&M Membership
You accumulate 1 level each time you spend £1 in retailer or on-line, and further factors while you deliver your individual bag in retailer.
After you accumulate 300 factors, you develop into a Plus Member and get particular cash off coupons.
Membership consists of 10% off one buy while you be part of, invitations to particular occasions, pre-sale entry, free click on and accumulate and particular member costs.
The Works
While you accumulate 50 factors at The Works, you will get a voucher to redeem in your spend.
Nevertheless, The Works has determined to finish its loyalty scheme, and you may not accumulate factors after Saturday 30 Match 2024.
In case you have any vouchers, you possibly can redeem them till 29 June 2024.
TK Maxx / Homesense Treasure
TK Maxx and Homesense share a loyalty scheme.
You accumulate a “key” while you store and may accumulate a most of three each day throughout each shops.
While you accumulate 5 Keys, you possibly can choose a reward, together with a non-public chef expertise, a Ugandan woven platter or eco-friendly bamboo straws.
Matalan Rewards
Matalan Me permits you entry to unique reductions quite than gathering factors.
You get rewards for buying however can use them to get cash off one other time. You get the possibility to buy the sale first, get a birthday deal with (a reduction code) and have the possibility to win your basket.
M&Co Loyalty and Rewards Scheme
With the M&Co loyalty scheme, you accumulate factors while you store.
For every £1 you spend on-line or via the app, you’ll accumulate 5 factors.
While you get to 500 factors, you get a £5 voucher to redeem.
You additionally get different advantages, reminiscent of unique reductions and accomplice provides.
You may get 15% off for becoming a member of, obtain invitations to occasions and obtain unique reductions.
Pets at residence – VIP
VIP at Pets at Residence stands for Very Important Pet.
While you be part of their loyalty scheme, you get 10% off on-line, then 10% off in retailer.
They ship you tailor-made provides and financial savings by electronic mail.
Plus, every time your card is scanned, you increase Lifelines for an animal charity of your selection.
John Lewis
Get rewarded with a free scorching drink and a cake while you be part of the free loyalty program at John Lewis.
You’ll additionally achieve insider ideas, information, product previews, and invites to native occasions.
Monsoon Rewards
You earn 1 level for each £1 you spend.
While you’ve saved 100 factors, you’ll earn sufficient for a £10/€10 voucher. The vouchers are issued month-to-month and are legitimate for 12 months to make use of on-line or in retailer at Monsoon.
With Monsoon Rewards, you possibly can profit from 15% off your first buy, double level occasions, and unique rewards all year long.
Decorate Deal with Your self
The Decorate Deal with Your self scheme earns you 2 factors for each £1/€1 you spend.
For each 100 factors, you get a £5/€5 voucher to your account.
You additionally get free subsequent day supply as a loyalty member.
Paperchase Deal with Me
The extra you spend, the extra treats you’ll get with Paperchase – there are not any factors to gather.
You get a £5 credit score for each £50 you spend and 15% off your first buy.
There are further perks obtainable over payday weekends and in your birthday.
Waterstones Plus
With Waterstones Plus, you earn and redeem as you store on-line, in retailer or their cafes.
You get a stamp for each £10 you spend, and ten stamps offers you £10 to buy with.
Plus, you get entry to secret gross sales, seasonable provides and treats in your anniversary yr of opening the rewards account.
There’s a Plus rewards card particularly for college students the place they’ll get a further 5% off each buy.
Smiggle VIP
A large hit amongst youngsters, this store is absolutely well-liked with children.
Stationery and items can be found, together with baggage, cups, picture frames and pencil circumstances.
You get a card and accumulate stamps after you’ve shopped.
While you refill the cardboard with stamps, you get a free VIP present.
As a welcome reward, you get 20% off your first buy, plus a particular deal with in your birthday.
City Outfitters Rewards
With UO Rewards, you earn £5 for each 100 factors you accumulate. You’ll be able to accumulate factors for buying, leaving critiques, getting into giveaways, buying with your individual bag, signing up for his or her emails and extra.
Extra factors strikes you up membership ranges, the place you get further perks and provides for reductions.
You additionally get a ten% voucher off your first store after you be part of.
Dobbies Membership
You accumulate rewards with the Dobbies loyalty card for the green-fingered amongst us.
While you make a purchase order, you accumulate two pints for each £1 you spend. You’ll be able to then use these factors and cash off vouchers throughout future outlets.
You additionally get two free scorching drinks a month, plus the continuing good thing about 10% off crops, bulbs and seeds all yr spherical.
Not like different loyalty isn’t, the Dobbies Membership isn’t free. You must pay £12 to affix the membership yearly. As a one-off, it’s not price it, however for the sake of two free drinks a month, plus the continuing cash off seeds, if you’re a eager gardener, you’ll make your a refund.
Telephone loyalty schemes
02 Precedence Moments
As an 02 buyer, whether or not pay as you go or contract, you get entry to freebies and provides on the o2 Precedence Moments app.
Three+
As a Three buyer, you should use the Three+ app to get reductions and financial savings on a few of your favorite locations.
You additionally get entry to pre-sale tickets for festivals.
Vodafone VeryMe
For pay as you go and contract clients, Vodafone customers can get rewards and a free deal with each Friday. You additionally get a free membership with the Connoisseur Society.
DIY retailer loyalty playing cards
B&Q Membership
Personally, I’ve not seen an enormous profit from utilizing the B&Q Membership.
The primary useful factor is that you just get a voucher for £5 off a £30+ spend. This voucher takes two days or so to succeed in you, so plan to enroll earlier than heading to the shop.
Everytime you store, you scan your card, however you don’t get any factors. As a substitute, you randomly get an electronic mail with a money-off voucher – useful in the event you plan to buy anyway…
Wickes Commerce Professional Low cost
You must present proof that you just work within the commerce to join this loyalty card.
Should you can, you’re going to get a ten% low cost every time you store on-line or in retailer.
Is it price having a loyalty card?
It relies upon if you will purchase one thing from that retailer within the first place. It might be cheaper to buy elsewhere than get a loyalty card bonus. Your loyalty card shouldn’t be the one cause to buy in a single place, as you’ll doubtless not get the most effective total worth.
It’s good to pay attention to retailers’ advertising methods to hook you into spending cash. A reduction is simply price it in the event you spend that cash anyway.
FAQs
Are Nectar factors higher than Clubcard factors?
They’re totally different, though Nectar is increased valued:
– spend £4 to get 1 Clubcard level
– 1 Clubcard factors is 1p
– spend £1 to get 1 Nectar level
– 1 Nectar level is 0.5p
You must accumulate 250 Clubcard factors earlier than you can begin spending them, whereas you can begin spending the Nectar factors from 1p.
Each schemes help you accumulate factors from a number of locations, though Clubcard is restricted to Tesco-based companies, and Nectar permits assortment from Argos and eBay to spice up your rewards.
They each help you spend the factors in retailer and use their worth to get rewards from different suppliers. However you possibly can stand up to triple the face worth of Clubcard factors at chosen Reward Companions.
Which one is greatest? The general worth of Nectar factors is increased, however I nonetheless favor to make use of them each.
One Nectar level is price 0.5p.
In case you have 100 factors saved, they’re price 50p, and 200 factors are price £1.
You get £5 to spend while you attain 1,000 Nectar factors, and a pair of,000 factors is similar as £10.
You’ll be able to accumulate and spend Nectar factors at Argos. You are able to do this each on-line and of their standalone shops in Sainsbury’s.
You’ll be able to accumulate 1 level per £1 you spend at Argos.
500 factors are price £2.50 when buying merchandise via Argos.
That is potential, however you might want to be sure you repay your bank card steadiness every month.
Cashback bank cards can help you earn money or rewards out of your spending. That is often carried out as a proportion of your transaction. Utilizing your bank card to assist earn factors and get monetary savings can work, however you might want to make sure you don’t find yourself borrowing more cash than you possibly can pay again.
For instance, utilizing a Tesco Financial institution Credit score Card, you possibly can accumulate loyalty factors reminiscent of:
– 5 factors for each £4 spent in Tesco / 4 factors with a Clubcard alone
– 5 factors for each £4 spent on Tesco gas / 2 factors with a Clubcard alone
– 1 level for each £8 spent exterior Tesco / 0 factors with a Clubcard alone
Naomi is aware of the burden of residing on little or no and have become debt free by following her personal cash saving ideas and methods. She is an skilled on saving cash on the grocery store and facet hustles.
