Loyalty playing cards: The great, the dangerous and the ugly


Rachel Hazelwood

twenty second Aug 2023

Studying Time: 14 minutes

It was that loyalty playing cards have been nearly accumulating factors once you spend. These factors would then accumulate and be transformed into money-off vouchers. Alternatively, the factors would accumulate as a money worth which might then be knocked off your buying. 

As of late, loyalty playing cards achieve this far more. You’ll be able to nonetheless gather factors, however it’s also possible to unlock reductions, get cash off offers and earn unique rewards. Nonetheless, it may be so complicated to work out which playing cards provide the most effective offers. Is it value buying round to get the most effective out of various playing cards, or must you stick together with your favorite outlets and profit from being a loyal buyer? What about playing cards that don’t provide factors however provide you with rewards as an alternative – are they value it? 

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


Tesco Clubcard

loyalty cards

CARD or APP: Each

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

VALUE: 150 factors is value £1.50. Vouchers may be spent in retailer however Clubcard vouchers are value much more if spent with Clubcard companions – that is most likely 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 purpose to enroll. 

EXTRAS: For normal buyers 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 outlets 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-only promotions, however they arrive into their very own when used to pay for days out and meals. You’ll be able to flip 50p value of Clubcard vouchers into £1.50 value of reward associate vouchers to spend at Prezzo or Zizzi, for instance. Used this manner, it is likely one of the most beneficiant schemes round. 

Sainsbury Nectar

Loyalty cards

CARD or APP: Each

POINTS: One level for each £1 spent in retailer, on-line or on Sainsbury’s gasoline. 

VALUE: 500 factors are value £2.50, which may be spent in retailer or on-line.   

BENEFITS: Weekly personalised affords.

EXTRAS: You may also gather and spend factors with Sainbury’s large model companions. They embrace Argos, eBay, Sky Retailer and Vue. Most companions give clients two factors for each £1, however some provide extra. Try the web site for extra data. 


Even for those who don’t store at Sainsbury’s fairly often, it’s value getting a Nectar card for the factors you may earn from Sainsbury’s companions. Ensure that to verify the place you may 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: Clients 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 steadiness may be transformed into vouchers to spend in retailer. 

BENEFITS: There may be typically the choice of changing a portion of your Cashpot steadiness 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, buyers can add just a few additional kilos right into a ‘financial savings’ account. 


Solely actually worthwhile if you’re an everyday and dependable Asda buyer. When you do your weekly store there you’ll profit from the app. In any other case, there may be most likely not lots 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. As an alternative, you earn a refund in your purchases. Members may select two cash off-vouchers per week, that are added to their card or app. 

VALUE: 2p for each £1 spent on chosen Co-op services and products.

BENEFITS: Co-op matches the cash again you earn and provides the identical quantity to help group organisations and native causes.

EXTRAS: The loyalty scheme affords unique membership offers and personalised affords, in addition to reductions on Co-op providers comparable to insurance coverage and funerals.


The weekly money-off vouchers are helpful for small outlets 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. 

Central Co-Op

CARD or APP: App

REWARDS: While you obtain the app, you obtain 1000’s of money-off reductions on branded items. They’re the equal of ‘money-off’ vouchers or coupons, however the large distinction is that they’re mechanically utilized to your basket once you store and pay with the app. 

VALUE: You can entry 25% off on 1000’s of branded items and you should purchase as much as 4 of every merchandise. Reductions on sure gadgets that you just haven’t purchased initially can improve over time to a much bigger low cost. 

BENEFITS: There are financial savings to be made on round 4,000 merchandise together with meals, cleansing merchandise and pet meals. Workers members don’t want to use reductions and there are not any varieties to fill.


This card is nice for individuals who store at Central Co-Op places, with financial savings to wager made recurrently. An app means you may take it wherever you go, and you recognize you’ll get an important low cost everytime you store.

Iceland Bonus

loyalty points

CARD or APP: Each  

REWARDS: Iceland doesn’t provide factors however its 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 know the way a lot you need to save they usually add it to your card or app. So for those who save £2 per week, you could possibly have £109 in a yr.  

BENEFITS: You’ll be able to spend out of your Bonus Card in retailer or on-line – simply let the cashier know the way a lot you need to spend. Iceland says 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 dwelling supply on orders over £25 instore on £35 on-line. Card holders additionally get particular affords and treats on their birthday. 


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

Lidl Plus

loyalty cards

CARD or APP: App

REWARDS: Lidl doesn’t provide factors. Clients who’ve the app get 4 money-off coupons per 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 (just 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 prospect to win £20 off your subsequent store. There are additionally reductions from companions –  comparable to 3 month Children Move membership and as much as £150 off bookings with Loveholidays. 


Even with the temptations of the centre aisle, spending £100 in Lidl recurrently is a tall order so the financial savings side just isn’t 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 Could 2021) 

REWARDS: Morrisons not give factors however sends you personalised affords on the stuff you purchase most frequently. Rewards are both within the type of money-off vouchers for normal gadgets or cash off your entire store.  

EXTRAS: Each time you scan your digital card, you’ve the prospect of profitable a ‘Basket Bonus’ which might imply something from £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 individuals who recurrently use apps, probably much less so for individuals who don’t or can’t afford a wise telephone. The Basket Bonus is an efficient solution to hold clients utilizing their playing cards, with a superb vary of shock prizes. 

M&S Sparks

loyalty cards


REWARDS: You’ll be able to’t earn factors with a Sparks card, as an alternative you get perks comparable to personalised affords, the prospect to win a free present and the prospect to get your purchasing for free.

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


The jury remains to be out on the Sparks card. A number of buyers would fairly gather factors and get money-off vouchers to spend as they please, fairly than being directed in the direction of particular financial savings. One other main draw back is that it’s a must to keep in mind to load the affords you need to use onto your Sparks card. The cashiers can do that for you however they don’t all the time ask. Nonetheless, the financial savings available – when they’re obtainable and loaded onto your card – are positively value having. Total, it’s value carrying the cardboard or downloading the app, simply don’t overlook to verify it recurrently.  


loyalty cards

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

REWARDS: You’ll be able to’t earn factors with a MyWaitrose card. As an alternative, you get common money-off vouchers (to make use of in your entire store), personalised vouchers primarily based in your buying habits and the occasional freebie. 

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


Waitrose is considered as a high-end grocery store and as such has a smaller share of the market. Clients are usually loyal – with out the pull of a loyalty card or a number of money-off offers. The MyWaitrose card is worth it even for those who solely do occasional ‘deal with outlets’ there; you may 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: One level = 1p (so for each £1, you earn 4p). 

BENEFITS: You’ll be able to spend your factors at any time, so long as you’ve sufficient factors to cowl the entire transaction. In different phrases, you may’t use your factors to pay a bit in the direction of your complete store; they should pay for every part you’re shopping for. You’ll be able to nonetheless pay for a few gadgets together with your Benefit Card and pay for the remainder of your store in a separate transaction utilizing money or your financial institution card. 

EXTRAS: Benefit Card holders obtain a free well being and sweetness journal and there are sometimes a number of affords on, that means you may earn additional factors once you purchase sure manufacturers or spend a certain quantity. Over-60s can earn eight 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: One level for each £1 spent.

VALUE: One 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, for those who’re buying involves £7.45 and you’ve got 500 factors, you should use these factors to knock £5 off your complete 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 to 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 1 reward per transaction). New clients additionally get 15% off their first store. 

BENEFITS: You’ll be able to earn cash off your buying, get additional perks on the finish of month and a £5 birthday present voucher. You may also get a free supply improve on-line, on orders over £30. 

EXTRAS: While you purchase seven 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 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 affords and gross sales, in addition to unique occasions. 


It’s a beneficiant reward scheme. Even for those who solely purchase a few paperbacks or one hardback a month at Waterstones, you could possibly nonetheless successfully get £10 again a yr! 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

TKMaxx Treasure



REWARDS: Gather ‘keys’ each time you store. Rewards aren’t primarily based on how a lot you spend, however on how typically you go to a TKMaxx or HomeSense retailer, it’s also possible to gather ‘keys’ on-line. Gather 5 keys after which select a reward.

BENEFITS: You’ll be able to 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 may donate to charity. 


One other card that rewards you for frequency fairly than the quantity you spend, you may accumulate keys fairly shortly and earn your rewards. There isn’t a minimal spend, so for devoted clients, you could possibly go to a retailer a day and earn a reward per week! Value having. 



POINTS: £1 = one level. 

VALUE: With 0-299 factors you will get reward vouchers and affords. When you’ve bought 300 factors you turn into a Plus Member which provides you entry to even higher advantages and affords. 

BENEFITS: Get 10% off your first buy once 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 affords and distinctive entry to particular collections. 


Even for those who don’t store at H&M recurrently it’s value having the app in your telephone and accumulating factors once 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 other ways to earn UO factors – try 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 once you make a purchase order. 

Entry degree members get some perks, nevertheless it solely takes 300 factors to turn into a Silver Member and 600 to achieve Gold. Contemplating you get 230 only for becoming a member of the scheme, you’re already nicely in your solution 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 try the web site for all the particulars. 

EXTRAS: Present additional perks embrace ‘Denim Days’ – earn 10 bonus factors once you store for denims and the identical once 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’ll be able to earn factors by purchasing for any gadgets (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 (gather in retailer or at Costa Categorical machines).

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

BENEFITS: You’ll be able to order your espresso upfront utilizing the app and you may earn typically bonus factors once you purchase a drink or snack.


Factors are solely lively for 12 months and it’s a must to spend a mean of £60 earlier than you’ll earn sufficient for a free drink. If you’re an everyday buyer, although, it is smart to obtain the app or swipe your card.  


loyalty cards


POINTS: You’ll be able to’t earn factors at Starbucks, it’s stars. £1 = three stars.

VALUE: For a free drink you’ll want 150 stars.

BENEFITS: When you attain 450 stars you turn into a gold member and may get additional photographs of espresso, 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 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’ll be able to 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. You may also add cash to the app that means you may 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. 


MoneyMagpie’s view on reward schemes…

There are a whole bunch of loyalty playing cards, apps and schemes on the market lately. Most of them are free and don’t price you something to make use of. Nonetheless, these are loyalty schemes – they pay you again for being loyal. To get essentially the most out of any of them, decide one or two for every of your wants or buying habits and attempt to follow these. You’re much more prone to get the profit this manner. When you store all over and use all of the loyalty playing cards obtainable, you’ll nonetheless get factors and rewards – it is going to simply take lots longer. 

What to look out for? To get essentially the most out of your playing cards, control the app or web site and see when bonus affords are working. There’s nothing extra irritating than finishing an enormous store after which realising you could possibly have saved cash for those who’d used your card or uploaded a suggestion.



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