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 retailers.

Most come within the type of apps you’ll be able to maintain in your telephone, which definitely saves carrying round so many!

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

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

loyalty cards graphic

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What’s the level of a loyalty card?

Retailers hope loyalty programmes will maintain clients purchasing with them fairly than opponents. By providing rewards and reductions for repeat enterprise, equivalent to money-off and BOGOF offers, you’re extra probably and tempted to return and proceed spending cash. 

However massive manufacturers and retailers don’t simply need your repeat enterprise – they need information on buyer purchasing and spending habits. This fashion, they will plan and develop merchandise, supply tailor-made promotions to their clients and even adapt retailer layouts. In return, savvy consumers are rewarded with cash off coupons and reductions.

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

The right way to get probably the most out of your loyalty schemes

Savvy consumers know one of the best methods to spice up their rewards and pave the way in which to save cash.

Get probably the most out of reward playing cards

Earn bonus factors

Look out for double bonus provides and promotions to maximise your factors. You may get your loyalty playing cards to work tougher 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

Make the most of the provides if you spend your loyalty rewards. They usually have a low return, however Tesco Clubcard is likely one of the greatest by way of general worth. With their Reward Companions, you’ll be able to flip 50p price of Tesco vouchers into £1.50 to spend on a takeaway pizza.

Analysis level provides

It’s price trying round for particular provides 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 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 might be set “missions” and earn cashback if you purchase the merchandise or ranges instructed within the app. When you hit the goal, you can be given a money bonus. 

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

It’s important to keep in mind to scan your barcode when trying out, as there isn’t a approach for the customer support group so as to add your factors to your account afterwards.

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

Asda rewards

Co-op Membership

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

Every week you can be given some unique provides 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 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 utilize the bonus instantly or maintain saving it up. You may get £109 again in a yr, plus reductions on purchasing too.

The scheme provides:

  • Unique product reductions
  • 1,000s of probabilities to win nice prizes
  • Free house 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 folks 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 provides 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 price a penny. Your factors will likely be awarded as a voucher if 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 objects.

You additionally get a complete 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 you use them earlier than they expire. You may 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’ll be able to accumulate factors by way of them. You can even 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 price 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 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 price. 

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 provides 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 could 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 referred to as Match & Extra, which used to present money again in your store) supplies reductions and personalised provides based mostly in your spending historical past.

It is advisable to activate the provides earlier than you get to the checkout.

The cardboard additionally provides 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 lately modified so that you simply obtain a free bakery product after which a free cleansing product if you spend a specific amount. Every week there are 4 totally different coupons for numerous merchandise. You get reductions equivalent to 20% off bakery merchandise or different objects and even £5 off a £40 store coupon.

While you scan your card on the checkout, you get a “scratch card” with the possibility to get a voucher for as much as £20 off your subsequent 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 may also help to get cash off gasoline.

Though loyalty factors are nice, you might want to steadiness the reward with the general price. Check out the place you’ll be able to discover the most cost effective gasoline.

Texaco Star Rewards

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

While you attain 500 factors, you’ll be able to 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

For those who’re going to be getting gasoline anyway, you might as nicely 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 steadiness, or use them at BP on a variety of presents.

You get £2.50 if 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 provides you rewards every time you go to.

While you spend £10 or extra on gasoline or £2 or extra within the store, it’s logged as a “go to”.

In your tenth go to, you’re going to 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 permits you to accumulate factors utilizing your Nectar card. You may 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.

While 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 likely one of the greatest 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’ll be able to accumulate double factors, and there’s a free Boots journal each month for members.

It is advisable to use your card not less than yearly, or you’ll lose your factors.

Superdrug Well being Magnificence card

The Superdrug Well being & Magnificence card earns you 1 level for each £1 you spend. 

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

For those who 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 every year. Consumers can use the cardboard in retailer or on-line.

The Physique Store – Love Your Physique Membership

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

You’ll be despatched £5 price 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 price 1p, which means you earn 4% out of your purchasing.

You may obtain unique provides all year long that can assist you get monetary savings.

Quick meals and treats


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

Being an app person, you may also 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 might be supplied meals at no cost if 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’ll be able to win free meals.

They offer away hundreds of free meals every day. To get an invitation to play their sport 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 objects.

You may get good offers on meals and particular provides. 

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 relies on whether or not you’ve got 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’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 may 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 supply freebies on your birthday.

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

Cafe and occasional store loyalty playing cards


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

While you’ve managed to save lots of 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 equivalent to 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 accumulate stamps if you order a barista-made drink and sure meals throughout promotions. You get a freebie from the menu if you attain 9 stamps in a class.

Bear in mind, you may also get 25% off barista-made drinks with Meerkat Meals (which may price simply £1 for a complete yr).

Check out different Caffe Nero provides.

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’re given a perk, together with freebies from a variety on supply.

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

For those who 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 one of the best scheme round as you will want to spend £20 to earn £1 in credit score. You may’t use your loyalty app together with every other reductions.

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

Restaurant loyalty playing cards

It’s price signing up for restaurant loyalty playing cards for reductions and particular provides.

Nando’s Card

While 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 even redeem rewards on-line for those who’ve positioned an order on Click on and Gather or Supply.

While you’ve collected three Chillis, you will get free meals the subsequent time you order. The extra Chillis you’ve got, 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 may achieve entry to cash off vouchers and reductions by way of having the app in your telephone, together with 25% off fundamental meals throughout the week.

You can even e-book 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 rather more.

Use your app to gather factors when consuming in at Beefeater, and also you’ll earn 5 factors for each £1 you spend. While you attain 500 factors, you’ll be able to put them in direction of reductions on your meals.

Journey and holidays

Avios Air Miles

Store usually on their e-store and achieve 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’ll be able to 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 if you merely verify your registration, depart 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 affix and provides a bunch 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 injury 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 if you deliver 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 if you be a 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” if you store and might accumulate a most of three day by day throughout each shops.

While you accumulate 5 Keys, you’ll be able to choose a reward, together with a non-public chef expertise, a Ugandan woven platter or eco-friendly bamboo straws. 

Matalan Rewards

Matalan Me permits you entry to unique reductions fairly than amassing 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 accumulate factors if you store. 

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

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

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

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

Pets at house – VIP

VIP at Pets at Residence stands for Very Necessary Pet.

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

They ship you tailor-made provides and financial savings by e mail.

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

John Lewis

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

You’ll additionally achieve insider suggestions, information, product previews, and invites to native occasions.

Monsoon Rewards

You earn 1 level for each £1 you spend. 

While you’ve saved 100 factors, you’ll earn sufficient for a £10/€10 voucher. The vouchers are issued month-to-month and are legitimate for 12 months to make use of on-line or in retailer at Monsoon. 

With Monsoon Rewards, you’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 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 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 provides and treats in your anniversary yr of opening the rewards account. 

There’s a Plus rewards card particularly for college students the place they will get a further 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, picture frames and pencil circumstances.

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

While you replenish the cardboard with stamps, you get a free VIP present.

As a welcome reward, you get 20% off your first buy, plus a particular deal with in your birthday.

City Outfitters Rewards

With UO Rewards, you earn £5 for each 100 factors you accumulate. You may accumulate factors for purchasing, leaving critiques, coming into giveaways, purchasing with your personal bag, signing up for his or her emails and extra.

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

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

Dobbies Membership

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

While you make a purchase order, you accumulate two pints for each £1 you spend. You may 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.

In contrast to different loyalty isn’t, the Dobbies Membership isn’t free. It is advisable to pay £12 to affix the membership yearly. As a one-off, it’s not price 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.

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 provides 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 clients, Vodafone customers can get rewards and a free deal with each Friday. You additionally get a free membership with the Connoisseur Society.

DIY retailer loyalty playing cards

B&Q Membership

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

The primary useful factor is that you 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 – useful for those who plan to buy anyway…

Wickes Commerce Professional Low cost

It is advisable to present proof that you simply 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 price having a loyalty card?

It relies upon if you will 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 probably not get one of the best general worth. 

It’s good to concentrate on retailers’ advertising and marketing tips to hook you into spending cash. A reduction is barely price it for those who 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 is advisable to accumulate 250 Clubcard factors earlier than you can begin spending them, whereas you can begin spending the Nectar factors from 1p.

Each schemes help you accumulate factors from a number of locations, though Clubcard is restricted to Tesco-based companies, and Nectar permits assortment from Argos and eBay to spice up your rewards.

They each help 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 greatest? 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 price 0.5p. 

You probably have 100 factors saved, they’re price 50p, and 200 factors are price £1.

You get £5 to spend if you attain 1,000 Nectar factors, and a pair of,000 factors is similar as £10.

Are Nectar factors price extra at Argos?

You may 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 may accumulate 1 level per £1 you spend at Argos.

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

Can I earn rewards utilizing a bank card?

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

Cashback bank cards can help you earn money or rewards out of your spending. That is often performed as a share of your transaction. Utilizing your bank card to assist earn factors and get monetary savings can work, however you might 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 equivalent to:
– 5 factors for each £4 spent in Tesco / 4 factors with a Clubcard alone
– 5 factors for each £4 spent on Tesco gasoline / 2 factors with a Clubcard alone
– 1 level for each £8 spent outdoors Tesco / 0 factors with a Clubcard alone

Naomi Willis
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