Wednesday, September 28, 2022
HomeMoney SavingLoyalty Playing cards: The Good, The Dangerous and The Ugly

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

Studying Time: 13 minutes

It was once 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 procuring. 

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

Under we spherical up a few of the hottest loyalty playing cards and apps, in addition to what to look out for and the way to get essentially the most out of your procuring. 



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 through Tesco Financial institution and Cellular. 

VALUE: 150 factors is value £1.50. Vouchers might be spent in retailer however Clubcard vouchers are value much more if spent with Clubcard companions – that is in all probability what they’re greatest 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 customers who need to save much more, you will get Clubcard Plus for £7.99 a month. With Clubcard Plus you will 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 procuring 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 value of Clubcard vouchers into £1.50 value of reward accomplice 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 value £2.50, which might be spent in retailer or on-line.   

BENEFITS: Weekly personalised gives.

EXTRAS: You may as well accumulate and spend factors with Sainbury’s large model companions. They embrace Argos, eBay, Sky Retailer and Vue. Most companions give clients 2 factors for each £1, however some provide extra. Take a look at the web site for extra info. 


Even in case 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 test the place you possibly can earn factors. They mount up and you’ll spend them in so many locations it actually does make sense. 

Asda Rewards

loyalty cards

CARD or APP: App 

REWARDS: Clients can accumulate ‘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 might be transformed into vouchers to spend in retailer. 

BENEFITS: There’s generally 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 customers can add just a few additional £s right into a ‘financial savings’ account. 


Solely actually worthwhile if you’re an everyday and constant Asda buyer. If you happen to do your weekly store there you’ll profit from the app. In any other case, there’s in all probability not so much 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 offer you 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 provides 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 resembling 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 provide 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 need to save they usually add it to your card or app. So in case you save £2 every week, you might have £109 in a yr.  

BENEFITS: You possibly can spend out of your Bonus Card in retailer or on-line – simply let the cashier understand how a lot you need to spend.  Iceland say this makes it simpler for individuals to funds and save. There isn’t any 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 gives and treats in your birthday. 


Greatest for very loyal Iceland clients, reasonably than those that pop in sometimes. The financial savings component of the cardboard is a distinct tackle the same old loyalty schemes – it might work significantly effectively within the run as much as Christmas. 

Lidl Plus

loyalty cards

CARD or APP: App

REWARDS: Lidl don’t provide 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 –  resembling 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 commonly is a tall order so the financial savings facet 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 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 entire store.  

EXTRAS: Each time you scan your digital card, you might have the prospect 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. 


Clients who’re signed as much as the loyalty scheme obtain their coupons digitally – which is ok for many who commonly use apps, doubtlessly much less so for many who don’t or can’t afford a wise telephone. The Basket Bonus is an efficient method to hold clients utilizing their playing cards, with a superb vary of shock prizes. 

M&S Sparks

loyalty cards


REWARDS: You possibly can’t earn factors with a Sparks card, as an alternative you get perks resembling personalised gives, the prospect to win a free present and the prospect to get your purchasing for free.

BENEFITS: The cash off vouchers are value having – gives might be something from 15% off bread, 20% of underwear to 10% off clothes. They modify pretty commonly however you don’t all the time know when they’ll be uploaded.


The jury continues to be out on the Sparks card. Plenty of customers would reasonably accumulate factors and get cash off vouchers to spend as they please, reasonably than being directed in direction of particular financial savings. One other main draw back is that it’s a must to keep in mind to load the gives you need to use onto your Sparks card. The cashiers can do that for you however they don’t all the time ask. Nevertheless, the financial savings available – when they’re obtainable and loaded onto your card – are undoubtedly value having. General, it’s value carrying the cardboard or downloading the app, simply don’t neglect to test it commonly.  


loyalty cards

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

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

BENEFITS: MyWaitrose card holders get 20% off the meat and cheese counters on daily basis 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 sizzling drink. Waitrose not provide the free paper and have paused the free sizzling 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. Clients are typically loyal – with out the pull of a loyalty card or a number of cash off offers. The MyWaitrose card is worth it even in case 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 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 might have 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 all the things you’re shopping for. You possibly can nonetheless pay for a few objects together 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 a number of gives on, that means you possibly can earn additional 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. 


Top-of-the-line recognized loyalty playing cards, with Boots benefit it actually does pay to buy. Factors accumulate shortly and are value 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 use your Superdrug factors together with money. So, in case you’re procuring 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 in your factors as you do with a Boots Benefit Card, however the Superdrug card does assist you to use your factors to knock cash off your store. This can be 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 at least one reward per transaction). New clients additionally get 15% off their first store. 

BENEFITS: You possibly can earn cash off your procuring, get additional perks on the finish of month and a £5 birthday present voucher. You may as well get a free supply improve on-line, on orders over £30. 

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


Good for anybody with a stationery fetish however not a lot in case you simply purchase the odd card or pen. Treats are solely redeemable for a month after they’re activated, which is a minus level, nonetheless 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 gives and gross sales, in addition to unique occasions. 


It’s a beneficiant reward scheme. Even in case you solely purchased a few paperbacks or one hardback a month at Waterstones, you might nonetheless successfully get £10 a yr again! This might get you a free e-book. For anybody who loves studying, that is all the time going to be value it. 


Excessive Road – Clothes

TXMaxx Treasure



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

BENEFITS: You possibly can accumulate as much as three keys per day – one from every of the shops and one on-line. Rewards might 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 reasonably than the quantity you spend, you possibly can accumulate keys fairly shortly and earn your rewards. There isn’t any minimal spend, so for devoted clients, you might 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 gives. When you’ve received 300 factors you turn out to be 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 & Accumulate and 25% off in your birthday. Plus members get free supply on all orders, shock gives and distinctive entry to particular collections. 


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

City 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 checklist. 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, however it solely takes 300 factors to turn out to be a Silver Member and 600 to succeed in Gold. Contemplating you get 230 only for becoming a member of the scheme, you’re already effectively 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 checklist 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 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 purchasing for any objects (from scrunchies to coats) so the factors accumulate with out breaking the financial institution. The perks are good worth too. 


Espresso Outlets

Costa Espresso Membership

loyalty card


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

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

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


Factors are solely energetic for 12 months and it’s a must 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 turn out to be a gold member and may get additional pictures of expresso, dairy alternate options, and different extras without spending a dime. 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 alternative, 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 in case you use a reusable cup. You may as well add cash to the app that means you possibly can nonetheless purchase your espresso in case 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 as of late. 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, choose one or two for every of your wants or procuring habits and try to stick to these. You might be way more more likely to get the profit this fashion. If you happen to store in every single place and use all of the loyalty playing cards obtainable, you’ll nonetheless get factors and rewards – it can simply take so much longer. 

What to look out for? To get essentially the most out of your playing cards, keep watch over the app or web site and see when bonus gives are working. There’s nothing extra irritating than finishing an enormous store after which realising you might have saved cash in case you’d used your card or uploaded a proposal.



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