Finest loyalty playing cards and rewards apps within the UK

There are a great deal of loyalty playing cards and schemes – from quick meals, magnificence, healthcare, supermarkets, pet shops, and furnishings retailers.

Most come within the type of apps you may hold in your cellphone, which actually saves carrying round so many!

However what are among the finest loyalty schemes on the market? And how are you going to benefit from 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 hold clients buying with them somewhat than rivals. By providing rewards and reductions for repeat enterprise, resembling money-off and BOGOF offers, you might be extra seemingly 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 buying and spending habits. This manner, they’ll plan and develop merchandise, provide tailor-made promotions to their clients and even adapt retailer layouts. In return, savvy buyers are rewarded with cash off coupons and reductions.

Are they value it? That is debatable – most likely solely value it if you’re shopping for specific items within the first place. For those who 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.

How you can get essentially the most out of your loyalty schemes

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

Get essentially the most out of reward playing cards

Earn bonus factors

Look out for double bonus presents 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 verify when there’s a potential to earn extra. 

Enhance your level values

Reap the benefits of the presents once you spend your loyalty rewards. They usually have a low return, however Tesco Clubcard is likely one of the finest by way of total worth. With their Reward Companions, you may flip 50p value of Tesco vouchers into £1.50 to spend on a takeaway pizza.

Analysis level presents

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

Finest loyalty playing cards

There’s something for everybody from IKEA to Costa, M&S to Iceland. We present you ways finest to spend your factors to get essentially 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 might be set “missions” and earn cashback once you purchase the merchandise or ranges instructed within the app. When you hit the goal, you may be given a money bonus. 

You’ll be able to then alternate your “money pot” for Asda vouchers to spend in retailer.

You must bear in mind to scan your barcode when trying out, as there isn’t a means 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 refund to spend and benefiting from money-off vouchers to make use of in retailer, resembling 25p off eggs or 50p off recent greens.

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

Iceland Bonus Card

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

The scheme presents:

  • Unique product reductions
  • 1,000s of possibilities to win nice prizes
  • Free dwelling supply in retailer or on-line
  • Get a present in 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 buying habits by the app and presents 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 might be awarded as a voucher once you get to 250 factors. You need to use your vouchers to pay in your buying.

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

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 make sure to use them earlier than they expire. You’ll be able to 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 accumulate factors by them. You too can hyperlink your account to eBay and accumulate and spend factors with the net public sale website.

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

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

For those who don’t need to spend them in retailer for face worth, you increase their worth with Nectar Companions.

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

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

my Nectar prices on a phone held in front of fruit


You don’t earn any factors with the myWaitrose loyalty program. As an alternative, the account presents 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 buying (you need to have your personal cup)
  • 20% off chosen meat from the counter in retailer each Saturday
  • 20% off chosen fish from the counter in retailer each Friday
  • Free Waitrose magazines
  • 5% off laundry and dry cleansing at Johnsons the Cleaners


MyMorrisons loyalty app (beforehand often known as Match & Extra, which used to present money again in your store) offers reductions and personalised presents based mostly in your spending historical past.

It’s worthwhile to activate the presents earlier than you get to the checkout.

The cardboard additionally presents 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 buying every month for cash off bigger low cost vouchers.

The rewards have just lately modified so that you just obtain a free bakery product after which a free cleansing product once you spend a certain quantity. Every week there are 4 totally different coupons for varied 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 buying journey.

Lidl money off coupons

Finest gas loyalty playing cards and apps

You need to 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 might help to get cash off gas.

Though loyalty factors are nice, you might want to steadiness the reward with the general price. Check out the place you may discover the most cost effective gas.

Texaco Star Rewards

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

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

You may get reward playing cards with Love2Shop, Argos, M&S or John Lewis, or you should use them to get free gas from Texaco.

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

BPme Rewards

For those who’re going to be getting gas anyway, chances are you’ll as effectively get factors.

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

You need to use your factors to spice up your Avios steadiness, or use them at BP on a spread of presents.

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 once they launched their very own loyalty scheme.

Shell Go+

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

If you spend £10 or extra on gas 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 gas.

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 accumulate factors utilizing your Nectar card. You’ll be able to pay out of your automobile and accumulate Nectar factors with the Esso app.

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

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

paying using Esso App

Well being and sweetness

Boots Benefit Card

The Boots Benefit Card is the UK’s third hottest loyalty card. For every £1 you spend at Boots, you earn 4 factors, the identical as 4p to redeem again in retailer or on-line.

It is likely one of the finest loyalty schemes and is widespread with college students (who can get 10% off with this card) and new mums. Boots has a Parenting Membership, the place you may accumulate double factors, and there’s a free Boots journal each month for members.

It’s worthwhile to use your card at the very least every year, 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.

For those who spend over £10, you get free customary supply. As a part of their rewards providing, you additionally get particular reductions every Thursday, member-only costs and a birthday freebie annually. Customers can use the cardboard in retailer or on-line.

The Physique Store – Love Your Physique Membership

You’ll earn 10 factors for each £1 you spend at The Physique Store. If you’ve saved 500 factors, you may swap them for merchandise value £5, which is round 10% again in your first spend.

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

Holland & Barrett Rewards For Life

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

You’ll be able to obtain unique presents 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 the app. As you construct up factors, you might be provided free meals.

Being an app person, you may as well get entry to low-cost meals promotions and accumulate 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 might be provided meals at no cost once you accumulate 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 recreation to win, you might want to spend £3 (5€ in ROI).

For KFC deliveries (not Uber and so on), you might 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 presents. 

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 will depend on whether or not you’ve gotten 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 accumulate 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’ll be able to 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. In addition they provide freebies in your birthday.

You’ll be able to 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 accumulate 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 change into a Gold member and be provided extras resembling 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 accumulate 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.

Keep in mind, you may as well get 25% off barista-made drinks with Meerkat Meals (which might price simply £1 for an entire yr).

Check out different Caffe Nero presents.

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 provide.

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

For those who 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 perfect scheme round as you’ll need to spend £20 to earn £1 in credit score. You’ll be able to’t use your loyalty app together with some other reductions.

Upon getting collected your eight beans and bought your self a free drink, you might 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 presents.

Nando’s Card

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

You too can redeem rewards on-line if you happen to’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’ve gotten, the higher the meals turns into: 3 chillis is inexperienced tier and will get you 1/4 rooster or any starter; 6 chillis is orange tier and nabs you a free 1/2 rooster or any single burger, pita or wrap; and 20 chillis is pink tier which sees you get a free complete rooster, single combo meal or salad.

Factors expire after a yr.

Toby Carvery app

You’ll be able to achieve entry to cash off vouchers and reductions by having the app in your cellphone, together with 25% off principal meals through the week.

You too can ebook a desk by the app, which is useful.

Beefeater Reward Membership

Join unique reductions, get a free bottle of prosecco in your birthday and way 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 the direction of reductions in your meals.

Journey and holidays

Avios Air Miles

Store usually on their e-store and achieve factors to place in the direction of a vacation. Think about incomes free flights or holidays by buying 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 buying at specific retailers, together with Apple and John Lewis.

Hilton Honors

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

As a member, you additionally get entry to preferential charges in 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 affirm your registration, go away a overview, or verify in day by day on the app.

Each 10 factors provides you £1 to spend on the location, and the factors can take off as much as 70% of the merchandise you buy.

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

Ikea Household

Ikea Household is free to hitch and presents 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 harm insurance coverage on the transit of your items. 

H&M Membership

You accumulate 1 level each time you spend £1 in retailer or on-line, and further factors once you carry your personal bag in retailer. 

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

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

TK Maxx / Homesense Treasure

TK Maxx and Homesense share a loyalty scheme.

You accumulate a “key” once you store and might accumulate a most of three day by day throughout each shops.

If you accumulate 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 somewhat than accumulating factors.

You get rewards for buying 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 accumulate factors once you store. 

For every £1 you spend on-line or by the app, you’ll accumulate 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 presents. 

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

Pets at dwelling – VIP

VIP at Pets at Residence stands for Very Vital Pet.

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

They ship you tailor-made presents 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 part of the free loyalty program at John Lewis.

You’ll additionally achieve 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 are not any factors to gather.

You get a £5 credit score for each £50 you spend and 15% off your first buy.

There are additional perks obtainable over payday weekends and in your birthday.

Waterstones Plus

With Waterstones Plus, you earn and redeem as you store on-line, in retailer or their cafes.

You get a stamp for each £10 you spend, and ten stamps provides you £10 to buy with.

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

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

Smiggle VIP

A large hit amongst youngsters, this store is de facto widespread with kids.

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

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

If you replenish the cardboard with stamps, you get a free VIP reward.

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 accumulate. You’ll be able to accumulate factors for buying, leaving evaluations, getting into giveaways, buying with your personal bag, signing up for his or her emails and extra.

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

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

Dobbies Membership

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

If you make a purchase order, you accumulate two pints for each £1 you spend. You’ll be able to then use these factors and cash off vouchers throughout future outlets.

You additionally get two free scorching 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 worthwhile 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, 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 presents on the o2 Precedence Moments app.


As a Three buyer, you should 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 clients, Vodafone customers can get rewards and a free deal with each Friday. You additionally get a free membership with the Gourmand Society.

DIY retailer loyalty playing cards

B&Q Membership

Personally, I’ve not seen an enormous profit from utilizing the B&Q Membership.

The primary 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 an alternative, you randomly get an e-mail with a money-off voucher – useful if you happen to plan to buy anyway…

Wickes Commerce Professional Low cost

It’s worthwhile to present proof that you just work within the commerce to enroll in this loyalty card.

For those who 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’re going to 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 seemingly not get the perfect total worth. 

It’s good to concentrate on retailers’ advertising methods to hook you into spending cash. A reduction is simply value it if you happen to spend that cash anyway.


Which is best – Nectar Card or Tesco Clubcard?

Are Nectar factors higher than Clubcard factors?

They’re totally different, though Nectar is greater 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 worthwhile to accumulate 250 Clubcard factors earlier than you can begin spending them, whereas you can begin spending the Nectar factors from 1p.

Each schemes mean you can accumulate 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 mean you can spend the factors in retailer and use their worth to get rewards from different suppliers. However you may rise up to triple the face worth of Clubcard factors at chosen Reward Companions.

Which one is finest? The general worth of Nectar factors is greater, 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. 

You probably 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 couple of,000 factors is identical as £10.

Are Nectar factors value extra at Argos?

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

You’ll be able to accumulate 1 level per £1 you spend at Argos.

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

Can I earn rewards utilizing a bank card?

That is doable, however you might want to be sure to repay your bank card steadiness every month.

Cashback bank cards can mean you can earn money or rewards out of your spending. That is often finished as a share of your transaction. Utilizing your bank card to assist earn factors and lower your expenses can work, however you might want 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 accumulate 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 gas / 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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