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’ll be able to maintain in your telephone, which actually saves carrying round so many!

However what are a number of the finest loyalty schemes on the market? And how will you 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 maintain prospects purchasing with them quite than rivals. By providing rewards and reductions for repeat enterprise, corresponding to money-off and BOGOF offers, you might be extra possible and tempted to return and proceed spending cash. 

However large manufacturers and retailers don’t simply need your repeat enterprise – they need information on buyer purchasing and spending habits. This manner, they’ll plan and develop merchandise, provide tailor-made promotions to their prospects and even adapt retailer layouts. In return, savvy consumers 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 specific items within the first place. Should you 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.

Methods to get essentially the most out of your loyalty schemes

Savvy consumers know the most effective methods to spice up their rewards and pave the way in which 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 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 examine when there’s a potential to earn extra. 

Increase your level values

Benefit from the presents once you spend your loyalty rewards. They usually have a low return, however Tesco Clubcard is without doubt one of the finest by way of general worth. With their Reward Companions, you’ll be able to 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 purchasing.

Greatest 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 a comparatively new child on the block! 

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

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

It’s important to bear in mind to scan your barcode when trying out, as there is no such thing as a means 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.

You additionally get a reduction in your store in the event you hyperlink your Blue Mild Card.

Asda rewards

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 maintain saving it up. You will get £109 again in a yr, plus reductions on purchasing too.

The scheme presents:

  • Unique product reductions
  • 1,000s of probabilities to win nice prizes
  • Free dwelling supply in retailer or on-line
  • Get a present on your birthday
  • 10% off on Tuesdays in retailer for individuals aged over 60s
iceland bonus card and app

Tesco Clubcard

Tesco Clubcard is the preferred 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 presents 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 can 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) double the worth of your factors on all the things from purchasing 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 Cellular, F&F Clothes and extra.

Tesco Clubcard vouchers have an expiry date, so make sure you 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’ll be able to accumulate factors by way of them. You may as well hyperlink your account to eBay and accumulate and spend factors with the web 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 publish and might spend them instantly out of your Nectar card or app.

Should you don’t wish to spend them in retailer for face worth, you enhance 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 a substitute, 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 sizzling drink after purchasing (you should 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

Morrisons Extra

Morrisons Extra loyalty app (beforehand generally known as Match & Extra, then MyMorrisons, now Morrisons Extra) offers reductions, vouchers again after you’ve collected sufficient factors, and personalised presents based mostly in your spending historical past.

You want to activate the presents earlier than you get to the checkout.

The cardboard additionally presents 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 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 corresponding to 20% off bakery merchandise or different objects and even £5 off a £40 store coupon.

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

Lidl money off coupons

Co-op Membership

This loyalty app is simple to make use of, though does price £1 to enroll. Nevertheless, you’ll quickly begin seeing your a refund after making the most of money-off vouchers to make use of in retailer, corresponding to 25p off eggs or 50p off contemporary greens.

Every week you’ll be given some unique presents to make use of.

You used to get 2p again for each £1 you spent, however this was eliminated in 2024. As a substitute, they provide member-only reductions.

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 stability the reward with the general price. Check out the place you’ll be able to discover the most affordable gasoline.

Texaco Star Rewards

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

Once you attain 500 factors, you’ll be able to redeem a £5 voucher or reward card.

You will get reward playing cards with Love2Shop, Argos, M&S or John Lewis, or you should 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

Should you’re going to be getting gasoline anyway, it’s possible 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 gasoline or within the store.

You should use your factors to spice up your Avios stability, or use them at BP on a variety 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.

Once 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 doesn’t have its personal loyalty scheme however means that you can accumulate factors utilizing your Nectar card. You’ll be able to pay out of your car and accumulate 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.

Once you’ve saved up sufficient Nectar factors, you’ll be able to 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 without doubt one of the finest loyalty schemes and is in style with college students (who can get 10% off with this card) and new mums. Boots has a Parenting Membership, the place you’ll be able to accumulate double factors, and there’s a free Boots journal each month for members.

You want to use your card a minimum of 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. 

Once you attain 100 factors, you’ll be able to swap them for £1, which is successfully 1% again in your purchases.

Should 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 every year. 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. Once you’ve saved 500 factors, you’ll be able to 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 sweetness retailer.

Remember that The Physique Store UK is at the moment in Administration and shops are closing, so it could be that this loyalty scheme stops in some unspecified time in the future within the close to future.

Holland & Barrett Rewards For Life

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

You’ll be able to obtain unique presents all year long that will help you lower your expenses.

Quick meals and treats


The McDonald’s App means that you can 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 supplied free meals.

Being an app consumer, you may as well get entry to low-cost meals promotions and accumulate 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 free of charge once you accumulate 9 stamps in a class. 

Are you signing up for the primary time? There’s 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’ll be able to win free meals.

They provide away hundreds 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 on), you want 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 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 depends upon whether or not you might have registered for an account or are simply utilizing it. As a registered consumer, 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’ll be able to 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 dear. However you’ll be able to 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’ll be able to solely use the reward scheme in Krispy Kreme shops and never in supermarkets with concessions.

Cafe and occasional store loyalty playing cards


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

Once you’ve managed to avoid wasting up 150 stars, you’ll be able to redeem them for a free drink. 

After getting 450 stars, you’ll change into a Gold member and be supplied extras corresponding to whipped cream or further espresso pictures. 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 may 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 means that you can 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 instances of the yr.

Should you join the Espresso Subscription, you get further stars every time you renew and with something you drink. Hold 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 have to to spend £20 to earn £1 in credit score. You’ll be able to’t use your loyalty app together with every other reductions.

After getting collected your eight beans and obtained 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 presents.

Nando’s Card

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

You may as well redeem rewards on-line in the event you’ve positioned an order on Click on and Gather or Supply.

Once you’ve collected three Chillis, you will get free meals the following time you order. The extra Chillis you might 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 pink tier which sees you get a free entire hen, 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 way of having the app in your telephone, together with 25% off foremost meals throughout the week.

You may as well ebook a desk by way of 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. Once you attain 500 factors, you’ll be able to put them in the direction of reductions on 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 way of purchasing on-line.

Utilizing the AirMiles loyalty scheme, you’ll be able to earn a mile per £2 spent.

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

Hilton Honors

Hilton Honors Membership means that you can progress by way of tiers to get higher perks the following time you keep.

As a member, you additionally get entry to preferential charges on your upcoming keep.

Trend 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 Shein factors for every £1 you spend however earn extra once you merely verify your registration, go away a overview, or examine in every day on the app.

Each 100 factors provides 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 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 sizzling drink of their cafe throughout 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 deliver your individual 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.

The Works

Once you accumulate 50 factors at The Works, you will get a voucher to redeem in your spend.

Nevertheless, The Works has determined to finish its loyalty scheme, and you may not accumulate factors after Saturday 30 Match 2024.

If in case you have any vouchers, you’ll be able to redeem them till 29 June 2024.

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 every day throughout each shops.

Once you accumulate 5 Keys, you’ll be able to decide 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 quite than accumulating factors.

You get rewards for purchasing however can use them to get cash off one other time. You get the prospect to buy the sale first, get a birthday deal with (a reduction code) and have the prospect 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 way of the app, you’ll accumulate 5 factors.

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

You additionally get different advantages, corresponding to unique reductions and associate presents. 

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 House stands for Very Essential Pet.

Once 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 electronic mail.

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

John Lewis

Get rewarded with a free sizzling 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. 

Once 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’ll be able to 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 further perks out there 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 kids the place they’ll get a further 5% off each buy.

Smiggle VIP

An enormous hit amongst youngsters, this store is admittedly in style with children.

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

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

Once you refill 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 purchasing, leaving evaluations, 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 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.

Once 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 retailers.

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

Not like different loyalty isn’t, the Dobbies Membership isn’t free. You want 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 refund.

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 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 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 useful 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 electronic mail with a money-off voucher – useful in the event you plan to buy anyway…

Wickes Commerce Professional Low cost

You want to present proof that you simply work within the commerce to join this loyalty card.

Should 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’re going to purchase one thing from that retailer within the first place. It might 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 pay attention to retailers’ advertising methods to hook you into spending cash. A reduction is barely value it in the event you 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

You want to accumulate 250 Clubcard factors earlier than you can begin spending them, whereas you can begin spending the Nectar factors from 1p.

Each schemes let you 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 let you spend the factors in retailer and use their worth to get rewards from different suppliers. However you’ll be able to stand 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 want to make use of them each.

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

One Nectar level is value 0.5p. 

If 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’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 way of Argos.

Can I earn rewards utilizing a bank card?

That is doable, however you want to ensure you repay your bank card stability every month.

Cashback bank cards can let you earn money or rewards out of your spending. That is often achieved as a proportion 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 more cash than you’ll be able to pay again.

For instance, utilizing a Tesco Financial institution Credit score Card, you’ll be able to accumulate loyalty factors corresponding 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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