Friday, June 14, 2024

Greatest loyalty playing cards and rewards apps within the UK

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 hold in your cellphone, which actually saves carrying round so many!

However what are a few 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.

loyalty cards graphic

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What’s the level of a loyalty card?

Retailers hope loyalty programmes will hold clients procuring with them moderately than rivals. By providing rewards and reductions for repeat enterprise, similar to money-off and BOGOF offers, you’re extra doubtless and tempted to return and proceed spending cash. 

However large manufacturers and retailers don’t simply need your repeat enterprise – they need knowledge on buyer procuring and spending habits. This fashion, 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 value it? That is debatable – in all probability solely value it if you’re shopping for specific items within the first place. In the event you begin shopping for merchandise simply because they’re on a particular supply, you may be spending extra of your hard-earned cash than you deliberate.

get probably the most out of your loyalty schemes

Savvy buyers know the very best methods to spice up their rewards and pave the best way to save cash.

Get probably the most out of reward playing cards

Earn bonus factors

Look out for double bonus provides and promotions to maximise your factors. You will get your loyalty playing cards to work tougher 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

Make the most of the provides whenever you spend your loyalty rewards. They usually have a low return, however Tesco Clubcard is likely one of the greatest when it comes to general worth. With their Reward Companions, you possibly can flip 50p value of Tesco vouchers into £1.50 to spend on a takeaway pizza.

Analysis level provides

It’s value trying round for particular provides and planning to make use of your rewards for days out or Christmas procuring.

Greatest loyalty playing cards

There’s something for everybody from IKEA to Costa, M&S to Iceland. We present you the way greatest to spend your factors to get probably the most out of your freebies.

Grocery store loyalty playing cards

Asda Rewards

The Asda Rewards App is a comparatively new child on the block! 

You’re set “missions” and earn cashback whenever you purchase the merchandise or ranges prompt within the app. When you hit the goal, you may be given a money bonus. 

You may then trade your “money pot” for Asda vouchers to spend in retailer.

You must bear in mind to scan your barcode when trying out, as there isn’t any method for the customer support workforce so as to add your factors to your account afterwards.

That is an app solely loyalty scheme – no bodily card is given.

You additionally get a reduction in your store should you hyperlink your Blue Mild Card.

Asda rewards

Iceland Bonus Card

The Iceland Bonus Card provides you £1 again for every £20 you save to the cardboard – you should utilize the bonus instantly or hold saving it up. You will get £109 again in a 12 months, plus reductions on procuring too.

The scheme provides:

  • Unique product reductions
  • 1,000s of possibilities to win nice prizes
  • Free house supply in retailer or on-line
  • Get a present on your birthday
  • 10% off on Tuesdays in retailer for folks aged over 60s
iceland bonus card and app

Tesco Clubcard

Tesco Clubcard is the preferred loyalty playing cards, with round 20 million folks having signed up, and about 80% of Tesco transactions have a Clubcard scanned at checkout.

The grocery store tailors reductions to you in your procuring habits by the app and provides coupons, giving Clubcard-only worth reductions on merchandise with Clubcard Costs.

You’ll earn 1 level for each £1 you spend in Tesco, with every level value a penny. Your factors will likely be awarded as a voucher whenever you get to 250 factors. You should utilize your vouchers to pay on your procuring.

Tesco has partnered up with a number of corporations, who will (as much as) double the worth of your factors on the whole lot from procuring to holidays and days out. Clubcard holders additionally obtain reductions on sure grocery objects.

You additionally get a complete host of different advantages, together with bonus factors on insurance coverage, Tesco Cellular, F&F Clothes and extra.

Tesco Clubcard vouchers have an expiry date, so remember to use them earlier than they expire. You may observe them within the Clubcard app.

Tesco Clubcard app with points

Nectar Card

The Nectar Card first appeared in Sainsbury’s. When Sainsbury’s purchased Argos, it additionally means you possibly can acquire factors by them. You may also hyperlink your account to eBay and acquire and spend factors with the web public sale website.

Sainsbury’s and Argos spends earn you 1 level for each £1 you spend. Sainsbury’s is value 0.5p. 

You don’t want to attend for vouchers within the publish and might spend them instantly out of your Nectar card or app.

In the event you don’t wish to spend them in retailer for face worth, you increase their worth with Nectar Companions.

There isn’t a expiry date on Nectar factors, so that you don’t want to fret about cashing them out.

Use our Nectar factors calculator to see how a lot your factors are value. 

my Nectar prices on a phone held in front of fruit


You don’t earn any factors with the myWaitrose loyalty program. As an alternative, the account provides you month-to-month unique reductions and cash off your store. 

Additionally, you will be entitled to the next:

  • Free self-service sizzling drink after procuring (you will need to have your personal cup)
  • 20% off chosen meat from the counter in retailer each Saturday
  • 20% off chosen fish from the counter in retailer each Friday
  • Free Waitrose magazines
  • 5% off laundry and dry cleansing at Johnsons the Cleaners

Morrisons Extra

Morrisons Extra loyalty app (beforehand referred to as Match & Extra, then MyMorrisons, now Morrisons Extra) supplies reductions, vouchers again after you’ve collected sufficient factors, and personalised provides based mostly in your spending historical past.

You should activate the provides earlier than you get to the checkout.

The cardboard additionally provides member-only worth reductions.

personalised offers my morrisons

Lidl Plus

Lidl Plus is an app-only loyalty card getting you cash off and reductions in your meals store. 

You construct up factors in your procuring every month for cash off bigger low cost vouchers.

The rewards have not too long ago modified so that you simply obtain a free bakery product after which a free cleansing product whenever you spend a specific amount. Every week there are 4 completely different coupons for numerous merchandise. You get reductions similar to 20% off bakery merchandise or different objects and even £5 off a £40 store coupon.

If you scan your card on the checkout, you get a “scratch card” with the prospect to get a voucher for as much as £20 off your subsequent procuring journey.

Lidl money off coupons

Co-op Membership

This loyalty app is straightforward to make use of, though does price £1 to enroll. Nonetheless, you’ll quickly begin seeing your a reimbursement after making the most of money-off vouchers to make use of in retailer, similar to 25p off eggs or 50p off recent greens.

Every week you may be given some unique provides to make use of.

You used to get 2p again for each £1 you spent, however this was eliminated in 2024. As an alternative, they provide member-only reductions.

Greatest gasoline loyalty playing cards and apps

You should utilize particular loyalty schemes for petrol stations or your grocery store playing cards when filling up your motor at Tesco or Sainsbury’s. These schemes will help to get cash off gasoline.

Though loyalty factors are nice, it’s essential steadiness the reward with the general price. Check out the place you possibly can discover the most cost effective gasoline.

Texaco Star Rewards

At Texaco, you save 1p for each litre of gasoline you refill.

If you attain 500 factors, you possibly can redeem a £5 voucher or present card.

You will get present playing cards with Love2Shop, Argos, M&S or John Lewis, or you should utilize them to get free gasoline from Texaco.

You get double factors in your first three fill-ups when utilizing the Star Rewards app.

BPme Rewards

In the event you’re going to be getting gasoline anyway, chances are you’ll as nicely get factors.

You acquire factors on every go to with the loyalty card on the BPme Rewards app. That is for spending on gasoline or within the store.

You should utilize your factors to spice up your Avios steadiness, or use them at BP on a variety of items.

You get £2.50 whenever you signal as much as get began. 

You used to have the choice to gather Nectar factors at BPme, however that was stopped in 2018 after they launched their very own loyalty scheme.

Shell Go+

The Shell loyalty scheme provides you rewards every time you go to.

If you spend £10 or extra on gasoline 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 gasoline.

As an ongoing profit, you additionally get 10% off on-the-go meals ranges and 10% off sizzling drinks.


Esso doesn’t have its personal loyalty scheme however lets you acquire factors utilizing your Nectar card. You may pay out of your automobile and acquire Nectar factors with the Esso app.

Every litre of gasoline rewards you with 1 Nectar level, and when procuring of their service station or utilizing their automobile wash, you will get two Nectar factors for every £1 spent.

If you’ve saved up sufficient Nectar factors, you possibly can swap 300 factors for 5p off a litre.

paying using Esso App

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 likely one of 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 acquire double factors, and there’s a free Boots journal each month for members.

You should use your card a minimum of yearly, 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. 

If you attain 100 factors, you possibly can swap them for £1, which is successfully 1% again in your purchases.

In the event 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 annually. 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. If you’ve saved 500 factors, you possibly can swap them for merchandise value £5, which is round 10% again in your first spend.

You may be despatched £5 value of factors in your birthday to spend on-line or on this well being and sweetness retailer.

Remember that The Physique Store UK is presently in Administration and shops are closing, so it might be that this loyalty scheme stops sooner or later within the close to future.

Holland & Barrett Rewards For Life

With Holland & Barrett, you’ll acquire 4 factors for each £1 you spend. Every level is value 1p, that means you earn 4% out of your procuring.

You may obtain unique provides all year long that will help you lower your expenses.

Quick meals and treats


The McDonald’s App lets you construct factors every time you scan your QR code at checkout or whenever you order by the app. As you construct up factors, you’re provided free meals.

Being an app person, you can even get entry to low-cost meals promotions and acquire stamps for a free sizzling drink.

Greggs Rewards

With the Greggs app, you earn rewards every time you purchase breakfast, pastries, candy treats, drinks, sandwiches and bakes.

You’re provided meals at no cost whenever you acquire 9 stamps in a class. 

Are you signing up for the primary time? There’s additionally free Greggs meals up for grabs!

man holding greggs app holding a coffee with the words free greggs
Picture credit score: Greggs

KFC Rewards Arcade

With the Rewards Arcade app from KFC, you possibly can win free meals.

They provide away 1000’s of free meals every day. To get an invitation to play their sport to win, it’s essential spend £3 (5€ in ROI).

For KFC deliveries (not Uber and so on), it’s essential spend a minimal of £7.

Burger King App

Once more, no loyalty factors, however you’ll obtain reductions on sure menu objects.

You will 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’ve got registered for an account or are simply utilizing it. As a registered person, 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 acquire 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 may solely use one £5 voucher per order (so maybe order mains and puddings individually).

Krispy Kreme Rewards

These doughnuts are scrumptious however fairly expensive. 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 on your birthday.

You may solely use the reward scheme in Krispy Kreme shops and never in supermarkets with concessions.

Cafe and low store loyalty playing cards


For each £1 you spend at Starbucks, you acquire three stars.

If you’ve managed to save lots of up 150 stars, you possibly can redeem them for a free drink. 

After getting 450 stars, you’ll turn out to be a Gold member and be provided extras similar to whipped cream or additional espresso pictures. 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 acquire stamps whenever you order a barista-made drink and sure meals throughout promotions. You get a freebie from the menu whenever you attain 9 stamps in a class.

Bear in mind, you can even get 25% off barista-made drinks with Meerkat Meals (which might price simply £1 for a complete 12 months).

Check out different Caffe Nero provides.

overhead view of two phones on a wooden table with a stamped Caffe Nero loyalty card

Pret A Manger – PretPerks

PretPerks lets you earn stars on each store. When you’ve collected ten stars within the app, you’re given a perk, together with freebies from a range on supply.

There are additionally bonus stars and perks are sure instances of the 12 months.

In the event you join the Espresso Subscription, you get additional stars every time you renew and with something you drink. Hold a glance out on social media for particular promotions and reductions on their subscriptions.

Costa Membership

With the Costa Espresso Membership, you’ll obtain 5 factors for each £1 you spend. Not the very best scheme round as you will want to spend £20 to earn £1 in credit score. You may’t use your loyalty app together with every other reductions.

After getting collected your eight beans and obtained your self a free drink, it’s essential use this inside six months.

Restaurant loyalty playing cards

It’s value signing up for restaurant loyalty playing cards for reductions and particular provides.

Nando’s Card

If you spend over £7, you’ll earn a Chilli Level. This may be with a spend on the until or should you order by way of the app at your desk.

You may also redeem rewards on-line should you’ve positioned an order on Click on and Accumulate or Supply.

If you’ve collected three Chillis, you will get free meals the subsequent time you order. The extra Chillis you’ve got, the higher the meals turns into: 3 chillis is inexperienced tier and will get you 1/4 rooster or any starter; 6 chillis is orange tier and nabs you a free 1/2 rooster or any single burger, pita or wrap; and 20 chillis is pink tier which sees you get a free complete rooster, single combo meal or salad.

Factors expire after a 12 months.

Toby Carvery app

You may achieve entry to cash off vouchers and reductions by having the app in your cellphone, together with 25% off predominant meals through the week.

You may also e-book a desk by the app, which is helpful.

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. If you attain 500 factors, you possibly can put them in direction of reductions on your meals.

Journey and holidays

Avios Air Miles

Store usually on their e-store and achieve factors to place in direction of a vacation. Think about incomes free flights or holidays by procuring on-line.

Utilizing the AirMiles loyalty scheme, you possibly can earn a mile per £2 spent.

You earn factors when reserving flights, automobile rent or inns and procuring at specific retailers, together with Apple and John Lewis.

Hilton Honors

Hilton Honors Membership lets you progress by tiers to get higher perks the subsequent time you keep.

As a member, you additionally get entry to preferential charges on your upcoming keep.

Style 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 whenever you merely verify your registration, go away a overview, or examine in each day on the app.

Each 100 factors provides you £1 to spend on the location, and the factors can take off as much as 70% of the merchandise you buy.

Factors expire, and also you normally have as much as three months to make use of them.

Ikea Household

Ikea Household is free to affix and provides a bunch of freebies, together with a free sizzling drink of their cafe through the week.

You’ll even have entry to workshops, occasions, member reductions on merchandise and harm insurance coverage on the transit of your items. 

H&M Membership

You acquire 1 level each time you spend £1 in retailer or on-line, and additional factors whenever you convey your personal bag in retailer. 

After you acquire 300 factors, you turn out to be a Plus Member and get particular cash off coupons.

Membership consists of 10% off one buy whenever you be part of, invitations to particular occasions, pre-sale entry, free click on and acquire and particular member costs.

The Works

If you acquire 50 factors at The Works, you will get a voucher to redeem in your spend.

Nonetheless, The Works has determined to finish its loyalty scheme, and you’ll now not acquire factors after Saturday 30 Match 2024.

You probably 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 acquire a “key” whenever you store and might acquire a most of three each day throughout each shops.

If you acquire 5 Keys, you possibly can decide 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 moderately than amassing factors.

You get rewards for procuring however can use them to get cash off one other time. You get the prospect to buy the sale first, get a birthday deal with (a reduction code) and have the prospect to win your basket.

M&Co Loyalty and Rewards Scheme

With the M&Co loyalty scheme, you acquire factors whenever you store. 

For every £1 you spend on-line or by the app, you’ll acquire 5 factors.

If you get to 500 factors, you get a £5 voucher to redeem. 

You additionally get different advantages, similar to unique reductions and accomplice provides. 

You will get 15% off for becoming a member of, obtain invitations to occasions and obtain unique reductions. 

Pets at house – VIP

VIP at Pets at Dwelling stands for Very Essential Pet.

If 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 elevate Lifelines for an animal charity of your alternative.

John Lewis

Get rewarded with a free sizzling drink and a cake whenever you be part of the free loyalty program at John Lewis.

You’ll additionally achieve insider suggestions, information, product previews, and invites to native occasions.

Monsoon Rewards

You earn 1 level for each £1 you spend. 

If 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 additional 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 provides you £10 to buy with.

Plus, you get entry to secret gross sales, seasonable provides and treats in your anniversary 12 months 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

An enormous hit amongst youngsters, this store is de facto well-liked with kids.

Stationery and items can be found, together with baggage, cups, photograph frames and pencil instances.

You get a card and acquire stamps after you’ve shopped. 

If 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 acquire. You may acquire factors for procuring, leaving critiques, getting into giveaways, procuring with your personal bag, signing up for his or her emails and extra.

Extra factors strikes you up membership ranges, the place you get extra perks and provides for reductions.

You additionally get a ten% voucher off your first store after you be part of. 

Dobbies Membership

You acquire rewards with the Dobbies loyalty card for the green-fingered amongst us.

If you make a purchase order, you acquire two pints for each £1 you spend. You may then use these factors and cash off vouchers throughout future retailers.

You additionally get two free sizzling drinks a month, plus the continued good thing about 10% off crops, bulbs and seeds all 12 months spherical.

Not like different loyalty isn’t, the Dobbies Membership isn’t free. You should pay £12 to affix the membership yearly. As a one-off, it’s not value it, however for the sake of two free drinks a month, plus the continued cash off seeds, if you’re a eager gardener, you’ll make your a reimbursement.

Cellphone 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.


As a Three buyer, you should utilize 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 Gourmand 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 helpful factor is that you simply 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 an alternative, you randomly get an electronic mail with a money-off voucher – helpful should you plan to buy anyway…

Wickes Commerce Professional Low cost

You should present proof that you simply work within the commerce to join this loyalty card.

In the event you can, you’re going to get a ten% low cost every time you store on-line or in retailer.

Is it value 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 motive to buy in a single place, as you’ll doubtless not get the very best general worth. 

It’s good to concentrate on retailers’ advertising and marketing methods to hook you into spending cash. A reduction is barely value it should you spend that cash anyway.


Which is best – Nectar Card or Tesco Clubcard?

Are Nectar factors higher than Clubcard factors?

They’re completely 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 should acquire 250 Clubcard factors earlier than you can begin spending them, whereas you can begin spending the Nectar factors from 1p.

Each schemes will let you acquire 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 will let you spend the factors in retailer and use their worth to get rewards from different suppliers. However you possibly can rise 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.

How a lot areSainsbury’sar factors at Sainsbury’s?

One Nectar level is value 0.5p. 

You probably have 100 factors saved, they’re value 50p, and 200 factors are value £1.

You get £5 to spend whenever you attain 1,000 Nectar factors, and a couple of,000 factors is identical as £10.

Are Nectar factors value extra at Argos?

You may acquire and spend Nectar factors at Argos. You are able to do this each on-line and of their standalone shops in Sainsbury’s.

You may acquire 1 level per £1 you spend at Argos.

500 factors are value £2.50 when buying merchandise by Argos.

Can I earn rewards utilizing a bank card?

That is attainable, however it’s essential ensure you repay your bank card steadiness every month.

Cashback bank cards can will let you earn money or rewards out of your spending. That is normally finished as a share of your transaction. Utilizing your bank card to assist earn factors and lower your expenses can work, however it’s essential make sure you don’t find yourself borrowing extra money than you possibly can pay again.

For instance, utilizing a Tesco Financial institution Credit score Card, you possibly can acquire loyalty factors similar to:
– 5 factors for each £4 spent in Tesco / 4 factors with a Clubcard alone
– 5 factors for each £4 spent on Tesco gasoline / 2 factors with a Clubcard alone
– 1 level for each £8 spent exterior Tesco / 0 factors with a Clubcard alone

Naomi Willis
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