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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 shops.

Most come within the type of apps you may maintain in your telephone, which definitely saves carrying round so many!

However what are among the greatest loyalty schemes on the market? And how will you take advantage of them?

Let’s check out this bumper checklist 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 maintain prospects procuring with them reasonably than rivals. By providing rewards and reductions for repeat enterprise, equivalent to money-off and BOGOF offers, you might be extra probably and tempted to return and proceed spending cash. 

However huge 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 prospects and even adapt retailer layouts. In return, savvy customers are rewarded with cash off coupons and reductions.

Are they value it? That is debatable – most likely solely value it if you’re shopping for explicit items within the first place. In case you begin shopping for merchandise simply because they’re on a particular supply, you is likely to be spending extra of your hard-earned cash than you deliberate.

get probably the most out of your loyalty schemes

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

Get probably the most out of reward playing cards

Earn bonus factors

Look out for double bonus gives and promotions to maximise your factors. You will 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 verify when there’s a potential to earn extra. 

Enhance your level values

Reap the benefits of the gives while 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 may flip 50p value of Tesco vouchers into £1.50 to spend on a takeaway pizza.

Analysis level gives

It’s value trying round for particular gives 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 ways 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 the brand new child on the block! 

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

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

You need to bear in mind to scan your barcode when trying out, as there is no such thing as a method for the customer support staff so as to add your factors to your account afterwards.

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

Asda rewards

Co-op Membership

This loyalty app is straightforward to make use of, and also you’ll quickly begin incomes a refund to spend and profiting from money-off vouchers to make use of in retailer, equivalent to 25p off eggs or 50p off contemporary greens.

Every week you may be given some unique gives to make use of. You get 2p again for every £1 you spend. The cash you earn via your Co-op card could be spent in retailer, so it’s excellent for stocking up and utilizing each time you store.

Iceland Bonus Card

The Iceland Bonus Card offers you £1 again for every £20 you save to the cardboard – you need to use the bonus instantly or maintain saving it up. You will get £109 again in a yr, plus reductions on procuring too.

The scheme gives:

  • Unique product reductions
  • 1,000s of possibilities to win nice prizes
  • Free dwelling supply in retailer or on-line
  • Get a present to your birthday
iceland bonus card and app

Tesco Clubcard

Tesco Clubcard is the most well-liked loyalty playing cards, with round 20 million individuals 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 via the app and gives coupons, giving Clubcard-only value 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 might be awarded as a voucher while you get to 250 factors. You should use your vouchers to pay to your procuring.

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

You additionally get an entire host of different advantages, together with bonus factors on insurance coverage, Tesco Cell, F&F Clothes and extra.

Tesco Clubcard vouchers have an expiry date, so be sure you use them earlier than they expire. You may monitor 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 may acquire factors via them. You can too hyperlink your account to eBay and acquire and spend factors with the net public sale web site.

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 may spend them immediately out of your Nectar card or app.

In case you don’t need to spend them in retailer for face worth, you enhance 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

myWaitrose

You don’t earn any factors with the myWaitrose loyalty program. As a substitute, the account gives 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 (it’s essential to have your individual 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

MyMorrisons

MyMorrisons loyalty app (beforehand referred to as Match & Extra, which used to offer money again in your store) supplies reductions and personalised gives based mostly in your spending historical past.

It’s essential activate the gives earlier than you get to the checkout.

The cardboard additionally gives member-only value 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 just obtain a free bakery product after which a free cleansing product while you spend a specific amount. Every week there are 4 totally different coupons for varied merchandise. You get reductions equivalent to 20% off bakery merchandise or different objects and even £5 off a £40 store coupon.

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

Lidl money off coupons

Greatest gasoline loyalty playing cards and apps

You should use 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 worthwhile to stability the reward with the general value. Check out the place you may discover the most cost effective gasoline.

Texaco Star Rewards

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

While you attain 500 factors, you may redeem a £5 voucher or present card.

You will get present playing cards with Love2Shop, Argos, M&S or John Lewis, or you need to use 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 case you’re going to be getting gasoline anyway, you might as effectively 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 use your factors to spice up your Avios stability, or use them at BP on a spread of presents.

You get £2.50 while 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 offers you rewards every time you go to.

While 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’ll get cash off gasoline.

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

Esso

Esso doesn’t have its personal loyalty scheme however permits you to 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.

While you’ve saved up sufficient Nectar factors, you may swap 300 factors for 5p off a litre.

paying using Esso App

Well being and wonder

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 fashionable with college students (who can get 10% off with this card) and new mums. Boots has a Parenting Membership, the place you may acquire double factors, and there’s a free Boots journal each month for members.

It’s essential use your card at the very least 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 may swap them for £1, which is successfully 1% again in your purchases.

In case you spend over £10, you get free commonplace 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. While you’ve saved 500 factors, you may swap them for merchandise value £5, which is round 10% again in your first spend.

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

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 gives all year long that will help 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 supplied 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 supplied meals totally free while you acquire 9 stamps in a class. 

Are you signing up for the primary time? There may be 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 may win free meals.

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

For KFC deliveries (not Uber and so forth), it’s worthwhile to 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 gives. 

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 determined by whether or not you’ve 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 may 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 may earn 10 factors for each £1 you spend – when you earn 100 factors, you’ll obtain a free doughnut. Additionally they supply freebies to your birthday.

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

Cafe and occasional store loyalty playing cards

Starbucks

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

While you’ve managed to save lots of up 150 stars, you may redeem them for a free drink. 

After getting 450 stars, you’ll grow to be a Gold member and be supplied extras equivalent to whipped cream or additional 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 acquire 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, you can even get 25% off barista-made drinks with Meerkat Meals (which might value simply £1 for an entire yr).

Check out different Caffe Nero gives.

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

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 instances of the yr.

In case you join the Espresso Subscription, you get additional 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 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 another reductions.

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

Restaurant loyalty playing cards

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

Nando’s Card

While 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 can too redeem rewards on-line should you’ve positioned an order on Click on and Acquire or Supply.

While you’ve collected three Chillis, you will get free meals the subsequent time you order. The extra Chillis you’ve, 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 may acquire entry to cash off vouchers and reductions via having the app in your telephone, together with 25% off important meals in the course of the week.

You can too 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 far 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 may put them in the direction of reductions to your meals.

Journey and holidays

Avios Air Miles

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

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

You earn factors when reserving flights, automobile rent or lodges and procuring 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 subsequent time you keep.

As a member, you additionally get entry to preferential charges to 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 one level for every £1 you spend however earn extra while you merely affirm your registration, depart a evaluation, or verify in each day on the app.

Each 10 factors offers 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 hitch and gives a bunch of freebies, together with a free sizzling drink of their cafe in the course of 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 acquire 1 level each time you spend £1 in retailer or on-line, and further factors while you convey your individual bag in retailer. 

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

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

TK Maxx / Homesense Treasure

TK Maxx and Homesense share a loyalty scheme.

You acquire a “key” while you store and may acquire a most of three each day throughout each shops.

While you acquire 5 Keys, you may 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 reasonably than accumulating factors.

You get rewards for procuring 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 acquire factors while you store. 

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

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

You additionally get different advantages, equivalent to unique reductions and accomplice gives. 

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

Pets at dwelling – VIP

VIP at Pets at Dwelling stands for Very Vital Pet.

While you be a part of their loyalty scheme, you get 10% off on-line, then 10% off in retailer.

They ship you tailor-made gives and financial savings by electronic mail.

Plus, every time your card is scanned, you elevate Lifelines for an animal charity of your selection.

John Lewis

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

You’ll additionally acquire insider suggestions, 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 may 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 aren’t 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 offers you £10 to buy with.

Plus, you get entry to secret gross sales, seasonable gives and treats in your anniversary yr of opening the rewards account. 

There’s a Plus rewards card particularly for college kids the place they’ll get an extra 5% off each buy.

Smiggle VIP

A large hit amongst youngsters, this store is de facto fashionable with children.

Stationery and presents can be found, together with luggage, cups, picture frames and pencil instances.

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

While you replenish 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 evaluations, coming into giveaways, procuring with your individual bag, signing up for his or her emails and extra.

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

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

Dobbies Membership

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

While 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 outlets.

You additionally get two free sizzling drinks a month, plus the continuing advantage of 10% off crops, bulbs and seeds all yr spherical.

In contrast to different loyalty isn’t, the Dobbies Membership isn’t free. It’s essential pay £12 to hitch the membership yearly. As a one-off, it’s not value 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 gives on the o2 Precedence Moments app.

Three+

As a Three buyer, you need to 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 prospects, 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 should you plan to buy anyway…

Wickes Commerce Professional Low cost

It’s essential present proof that you just work within the commerce to join this loyalty card.

In case you can, you’ll 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’ll purchase one thing from that retailer within the first place. It could be cheaper to buy elsewhere than get a loyalty card bonus. Your loyalty card shouldn’t be the one purpose to buy in a single place, as you’ll probably not get the very best general worth. 

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

FAQs

Which is healthier – Nectar Card or Tesco Clubcard?


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

It’s essential acquire 250 Clubcard factors earlier than you can begin spending them, whereas you can begin spending the Nectar factors from 1p.

Each schemes 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 let you spend the factors in retailer and use their worth to get rewards from different suppliers. However you may 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 choose to make use of them each.

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

One Nectar level is value 0.5p. 

In case you have 100 factors saved, they’re value 50p, and 200 factors are value £1.

You get £5 to spend while 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 via Argos.

Can I earn rewards utilizing a bank card?

That is potential, however it’s worthwhile to be sure you repay your bank card stability every month.

Cashback bank cards can let you earn money or rewards out of your spending. That is normally accomplished as a share of your transaction. Utilizing your bank card to assist earn factors and get monetary savings can work, however it’s worthwhile to make sure you don’t find yourself borrowing more cash than you may pay again.

For instance, utilizing a Tesco Financial institution Credit score Card, you may acquire loyalty factors equivalent 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 outdoors Tesco / 0 factors with a Clubcard alone

Naomi Willis
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