Friday, September 23, 2022
HomeMoney SavingLoyalty Playing cards: The Good, The Unhealthy and The Ugly

Loyalty Playing cards: The Good, The Unhealthy and The Ugly

Studying Time: 13 minutes

It was that loyalty playing cards had been nearly accumulating factors while 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 buying. 

Today, loyalty playing cards achieve this far more. You possibly can nonetheless gather factors, however you may also unlock reductions, get cash off offers and earn unique rewards. Nonetheless, it may be so complicated to work out which playing cards supply the most effective offers. Is it price buying round to get the most effective 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 price it? 

Under we spherical up a number of the hottest loyalty playing cards and apps, in addition to what to look out for and find out how to get probably the most out of your buying. 



Tesco Clubcard

loyalty cards

CARD or APP: Each

POINTS: 1 level for each £1 spent in retailer, and each £2 spent on gasoline. Factors can be collected by way of Tesco Financial institution and Cell. 

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

BENEFITS: One other profit is that quite a lot of in retailer promotions are actually solely obtainable to Clubcard members. One other good purpose to enroll. 

EXTRAS: For normal buyers who wish to save much more, you may get Clubcard Plus for £7.99 a month. With Clubcard Plus you may get 10% off two large 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 buying to member solely promotions however they arrive into their very own when used to pay for days out and meals. You possibly can flip 50p price of Clubcard vouchers into £1.50 price of reward associate vouchers to spend at Prezzo or Zizzi, for instance. Used this fashion, it is without doubt one of 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 price £2.50, which may be spent in retailer or on-line.   

BENEFITS: Weekly personalised gives.

EXTRAS: It’s also possible to gather and spend factors with Sainbury’s large model companions. They embody Argos, eBay, Sky Retailer and Vue. Most companions give prospects 2 factors for each £1, however some supply extra. Try the web site for extra info. 


Even for those who don’t typically store at Sainsbury’s, it’s price getting a Nectar card for the factors you possibly can earn from Sainsbury’s companions. Make certain to test 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: Prospects can gather ‘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 may be transformed into vouchers to spend in retailer. 

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

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


Solely actually worthwhile if you’re an everyday and dependable 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 affix.

REWARDS: The Co-op loyalty card doesn’t provide you with factors, you earn a reimbursement in your purchases. Members can even 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 gives unique membership offers and personalised gives,  in addition to reductions on Co-op providers equivalent 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 employ 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 understand how a lot you wish to save and so they add it to your card or app. So for those who save £2 every week, you may have £109 in a 12 months.  

BENEFITS: You possibly can spend out of your Bonus Card in retailer or on-line – simply let the cashier understand how a lot you wish to spend.  Iceland say this makes it simpler for individuals to finances and save. There isn’t a minimal or most quantity it can save you per store. 

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


Finest for very loyal Iceland prospects, quite than those that pop in sometimes. The financial savings aspect of the cardboard is a special tackle the standard loyalty schemes – it might work notably properly within the run as much as Christmas. 

Lidl Plus

loyalty cards

CARD or APP: App

REWARDS: Lidl don’t supply factors. Prospects 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 offers you £2 credit score, £200 offers you £10 credit score. 

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


Even with the temptations of the centre aisle, spending £100 in Lidl repeatedly is a tall order so the financial savings facet shouldn’t be as enticing as different shops factors schemes. The coupons are additionally time restricted. Nonetheless, 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 now not give factors however ship you personalised gives on the belongings you purchase most frequently. Rewards are both within the type of cash off vouchers for normal objects or cash off your complete store.  

EXTRAS: Each time you scan your digital card, you have got the possibility of profitable 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. 


Prospects who’re signed as much as the loyalty scheme obtain their coupons digitally – which is okay for individuals who repeatedly use apps, probably much less so for individuals who don’t or can’t afford a wise cellphone. The Basket Bonus is an effective method to maintain prospects utilizing their playing cards, with an excellent vary of shock prizes. 

M&S Sparks

loyalty cards


REWARDS: You possibly can’t earn factors with a Sparks card, as a substitute you get perks equivalent to personalised gives, the possibility to win a free reward and the possibility to get your looking for free.

BENEFITS: The cash off vouchers are price having – gives may be something from 15% off bread, 20% of underwear to 10% off clothes. They alter pretty repeatedly 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. Numerous buyers would quite gather factors and get cash off vouchers to spend as they please, quite than being directed in the direction of particular financial savings. One other main draw back is that you need to bear in mind to load the gives you wish to use onto your Sparks card. The cashiers can do that for you however they don’t at all times ask. Nonetheless, the financial savings available – when they’re obtainable and loaded onto your card – are positively price having. General, it’s price carrying the cardboard or downloading the app, simply don’t neglect to test it repeatedly.  


loyalty cards

CARD OR APP: Each (It’s also possible to get a key fob model) 

REWARDS: You possibly can’t earn factors with a MyWaitrose card. As a substitute, you get common cash off vouchers (to make use of in your complete store), personalised vouchers based mostly in your buying habits and the occasional freebie. 

BENEFITS: MyWaitrose card holders get 20% off the meat and cheese counters every single day and 20% off the fish counter on Fridays. Additionally 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 now not supply the free paper and have paused the free scorching drink. The web site says they’re working to carry this perk again. 


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


Excessive Road – Magnificence

Boots Benefit 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 possibly can spend your factors at any time, so long as you have got sufficient factors to cowl the entire transaction. In different phrases, you possibly can’t use your factors to pay a bit in the direction of your whole store, they has to pay for the whole lot you’re shopping for. You possibly can nonetheless pay for a few objects along with your benefit card and the remainder with money or your financial institution card. 

EXTRAS: Benefit card holders obtain a free well being and wonder journal and there are sometimes a lot of gives on, that means you possibly can earn further factors while you purchase sure manufacturers or spend a certain quantity. Over 60s can earn 8 factors per £1 on many Boots personal merchandise too. 


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

Superdrug Well being & Magnificence 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 utilize your Superdrug factors together with money. So, for those who’re buying involves £7.45 and you’ve got 500 factors, you should utilize these factors to knock £5 off your whole invoice, then pay the remaining £2.45 in money. 

EXTRAS: Members get free customary supply on on-line orders over £10 (non-members must 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 on 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 large plus level for us.  


Excessive Road – Books and Stationery

Paperchase Deal with 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 possibly can earn cash off your buying, get further perks on the finish of month and a £5 birthday reward voucher. It’s also possible to 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 for those who 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 price 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 gives and gross sales, in addition to unique occasions. 


It’s a beneficiant reward scheme. Even for those who 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 e-book. For anybody who loves studying, that is at all times going to be price it. 


Excessive Road – Clothes

TXMaxx Treasure



REWARDS: Gather ‘keys’ each time you store. Rewards should not based mostly on how a lot you spend, however on how typically you go to a TXMaxx or HomeSense retailer, you may also gather  ‘keys’ on-line. Gather 5 keys after which select a reward.

BENEFITS: You possibly can gather as much as three keys per day – one from every of the shops and one on-line. Rewards may 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 quite than the quantity you spend, you possibly can accumulate keys fairly shortly and earn your rewards. There isn’t 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 may get reward vouchers and gives. When you’ve bought 300 factors you develop into a Plus Member which supplies you entry to even higher advantages and gives. 

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

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


Even for those who don’t store at H&M repeatedly it’s price having the app in your cellphone and accumulating factors while you store. There are not any actual disadvantages, and also you get perks simply by being a member.  

City Outfitters – UO Rewards

loyalty cards


POINTS: There are many alternative ways to earn UO factors – try the web site for a full listing. 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 while you make a purchase order. 

Entry stage members get some perks, nevertheless it solely takes 300 factors to develop into a Silver Member and 600 to achieve Gold. Contemplating you get 230 only for becoming a member of the scheme, you’re already properly in your method 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 listing of perks – once more try the web site for all the particulars. 

EXTRAS: Present further perks embody Denim Days – earn 10 bonus factors while you store for denims and the identical while 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 possibly can earn factors by looking for any objects (from scrunchies to coats) so the factors accumulate with out breaking the financial institution. The perks are good worth too. 


Espresso Retailers

Costa Espresso Membership

loyalty card


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

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

BENEFITS: You possibly can order your espresso prematurely utilizing the app and you may earn generally bonus factors while you purchase a drink or snack.


Factors are solely lively for 12 months and you need to spend a median of £60 earlier than you’ll earn sufficient for a free drink, however if you’re an everyday buyer it is sensible to obtain the app or swipe your card.  


loyalty cards


POINTS: You possibly can’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 might get further pictures of expresso, dairy alternate options, and different extras totally free. Gold members additionally get a free drink on their birthday.


It’s not a really beneficiant scheme – you need to spend at the very least £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 an extra stamp for those who use a reusable cup. It’s also possible to add cash to the app that means you possibly can nonetheless purchase your espresso for those who’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 lots 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. Nonetheless, these are loyalty schemes – they pay you again for being loyal. To get probably the most out of any of them, choose one or two for every of your wants or buying habits and attempt to keep on with these. You might be much more prone to get the profit this fashion. In the event you store in every single place and use all of the loyalty playing cards obtainable, you’ll nonetheless get factors and rewards – it’ll simply take rather a lot longer. 

What to look out for? To get probably the most out of your playing cards, regulate the app or web site and see when bonus gives are operating. There’s nothing extra irritating than finishing a giant store after which realising you may have saved cash for those who’d used your card or uploaded a proposal.




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