Home Money Saving Greatest loyalty playing cards and rewards apps within the UK

Greatest loyalty playing cards and rewards apps within the UK

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

However what are a number of the greatest loyalty schemes on the market? And how will you profit from them?

Let’s check out this bumper checklist of over 50 UK loyalty playing cards.

loyalty cards graphic

£10 BONUS OFFER: Earn simple money by watching movies, enjoying video games, and coming into surveys.

Get a £10 join bonus once you be a part of as we speak.

Be part of Swagbucks right here >>

What’s the level of a loyalty card?

Retailers hope loyalty programmes will hold prospects purchasing with them relatively than rivals. By providing rewards and reductions for repeat enterprise, resembling money-off and BOGOF offers, you might be extra possible 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 purchasing and spending habits. This fashion, they will plan and develop merchandise, provide tailor-made promotions to their prospects and even adapt retailer layouts. In return, savvy buyers are rewarded with cash off coupons and reductions.

Are they value it? That is debatable – most likely solely value it in case you are shopping for explicit items within the first place. If you happen to begin shopping for merchandise simply because they’re on a particular provide, 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 buyers know the most effective 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 affords and promotions to maximise your factors. You may 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 examine when there’s a potential to earn extra. 

Enhance your level values

Benefit from the affords once you spend your loyalty rewards. They usually have a low return, however Tesco Clubcard is among the greatest by way of 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 affords

It’s value wanting round for particular affords and planning to make use of your rewards for days out or Christmas purchasing.

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 the brand new child on the block! 

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

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

You must keep in mind to scan your barcode when trying out, as there isn’t a manner 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.

Asda rewards

Co-op Membership

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

Every week you can be given some unique affords to make use of. You get 2p again for every £1 you spend. The cash you earn by way of your Co-op card will 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 should utilize the bonus instantly or hold saving it up. You may get £109 again in a 12 months, plus reductions on purchasing too.

The scheme affords:

  • Unique product reductions
  • 1,000s of probabilities to win nice prizes
  • Free residence supply in retailer or on-line
  • Get a present on 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 purchasing habits by way of the app and affords 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 probably be awarded as a voucher once you get to 250 factors. You should use your vouchers to pay on your purchasing.

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

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 be sure you use them earlier than they expire. You possibly can 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 may gather factors by way of them. You can too hyperlink your account to eBay and gather and spend factors with the web 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 submit and may spend them instantly out of your Nectar card or app.

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

There is no such thing as 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 a substitute, the account affords you month-to-month unique reductions and cash off your store. 

Additionally, you will be entitled to the next:

  • Free self-service scorching drink after purchasing (you need 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 loyalty app (beforehand often known as Match & Extra, which used to present money again in your store) offers reductions and personalised affords based mostly in your spending historical past.

It’s good to activate the affords earlier than you get to the checkout.

The cardboard additionally affords 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 purchasing 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 once you spend a specific amount. Every week there are 4 totally different coupons for numerous merchandise. You get reductions resembling 20% off bakery merchandise or different gadgets and even £5 off a £40 store coupon.

If 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 purchasing 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 can assist to get cash off gasoline.

Though loyalty factors are nice, you want to steadiness 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 refill.

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

You may 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

If you happen to’re going to be getting gasoline anyway, you might as effectively get factors.

You gather 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 steadiness, or use them at BP on a variety of items.

You get £2.50 once 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.

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 scorching drinks.


Esso doesn’t have its personal loyalty scheme however permits you to gather factors utilizing your Nectar card. You possibly can pay out of your automobile and gather Nectar factors with the Esso app.

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

If 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 among 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 gather double factors, and there’s a free Boots journal each month for members.

It’s good to use your card a minimum of 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. 

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

If you happen to spend over £10, you get free normal supply. As a part of their rewards providing, you additionally get particular reductions every Thursday, member-only costs and a birthday freebie annually. Buyers 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 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 gather 4 factors for each £1 you spend. Every level is value 1p, which means you earn 4% out of your purchasing.

You possibly can obtain unique affords all year long that can assist you lower your expenses.

Quick meals and treats


The McDonald’s App permits you to construct factors every time you scan your QR code at checkout or once you order by way of the app. As you construct up factors, you might be provided free meals.

Being an app person, you can even get entry to low cost meals promotions and gather stamps for a free scorching 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 without spending a dime once you gather 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 provide away 1000’s of free meals every day. To get an invitation to play their sport to win, you want to spend £3 (5€ in ROI).

For KFC deliveries (not Uber and so forth), you want to spend a minimal of £7.

Burger King App

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

You may get good offers on meals and particular affords. 

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 will have 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 gather 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 possibly can 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 provide freebies on your birthday.

You possibly can 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 gather three stars.

If you’ve managed to avoid wasting up 150 stars, you may redeem them for a free drink. 

Upon getting 450 stars, you’ll turn into a Gold member and be provided extras resembling whipped cream or further 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 gather stamps once you order a barista-made drink and sure meals throughout promotions. You get a freebie from the menu once you attain 9 stamps in a class.

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

Check out different Caffe Nero affords.

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 variety on provide.

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

If you happen to join the Espresso Subscription, you get further stars every time you renew and with something you drink. Preserve 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 most effective scheme round as you will have to spend £20 to earn £1 in credit score. You possibly can’t use your loyalty app together with another reductions.

Upon getting collected your eight beans and received your self a free drink, you want to use this inside six months.

Restaurant loyalty playing cards

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

Nando’s Card

If you spend over £7, you’ll earn a Chilli Level. This may be with a spend on the until or for those who order through the app at your desk.

You can too redeem rewards on-line for those who’ve positioned an order on Click on and Acquire or Supply.

If you’ve collected three Chillis, you will get free meals the subsequent time you order. The extra Chillis you will have, 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 12 months.

Toby Carvery app

You possibly can acquire entry to cash off vouchers and reductions by way of having the app in your cellphone, together with 25% off most important meals through the week.

You can too guide a desk by way of the app, which is helpful.

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

Journey and holidays

Avios Air Miles

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

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

You earn factors when reserving flights, automotive rent or accommodations and purchasing at explicit retailers, together with Apple and John Lewis.

Hilton Honors

Hilton Honors Membership permits you to progress by way of 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 one level for every £1 you spend however earn extra once you merely verify your registration, depart a overview, or examine in each day on the app.

Each 10 factors offers you £1 to spend on the positioning, 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 affords a number of freebies, together with a free scorching drink of their cafe through 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 gather 1 level each time you spend £1 in retailer or on-line, and additional factors once you deliver your individual bag in retailer. 

After you gather 300 factors, you turn into a Plus Member and get particular cash off coupons.

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

TK Maxx / Homesense Treasure

TK Maxx and Homesense share a loyalty scheme.

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

If you gather 5 Keys, you may choose a reward, together with a personal chef expertise, a Ugandan woven platter or eco-friendly bamboo straws. 

Matalan Rewards

Matalan Me permits you entry to unique reductions relatively than gathering factors.

You get rewards for purchasing 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 gather factors once you store. 

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

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

You additionally get different advantages, resembling unique reductions and associate affords. 

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

Pets at residence – VIP

VIP at Pets at Dwelling stands for Very Essential Pet.

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

They ship you tailor-made affords and financial savings by e 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 scorching drink and a cake once you be a part of the free loyalty program at John Lewis.

You’ll additionally acquire insider ideas, 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 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 further 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 affords 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 will get an extra 5% off each buy.

Smiggle VIP

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

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

You get a card and gather 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 gather. You possibly can gather factors for purchasing, leaving opinions, coming into giveaways, purchasing with your individual bag, signing up for his or her emails and extra.

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

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

Dobbies Membership

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

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

You additionally get two free scorching drinks a month, plus the continuing advantage of 10% off vegetation, bulbs and seeds all 12 months spherical.

In contrast to different loyalty isn’t, the Dobbies Membership isn’t free. It’s good to 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, in case you are 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 affords 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 prospects, 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 a substitute, you randomly get an e mail with a money-off voucher – helpful for those who plan to buy anyway…

Wickes Commerce Professional Low cost

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

If you happen to 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’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 motive to buy in a single place, as you’ll possible not get the most effective 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 for those who spend that cash anyway.


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 good to gather 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 gather factors from a number of locations, though Clubcard is proscribed 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 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 favor 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 once you attain 1,000 Nectar factors, and a pair of,000 factors is identical as £10.

Are Nectar factors value extra at Argos?

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

You possibly can gather 1 level per £1 you spend at Argos.

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

Can I earn rewards utilizing a bank card?

That is potential, however you want to 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 achieved as a share of your transaction. Utilizing your bank card to assist earn factors and lower your expenses can work, however you want to make sure you don’t find yourself borrowing extra money than you may pay again.

For instance, utilizing a Tesco Financial institution Credit score Card, you may gather loyalty factors resembling:
– 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
Newest posts by Naomi Willis (see all)



Please enter your comment!
Please enter your name here