Looking for the best loyalty card schemes in the UK? I don’t know about you, but I’m a big fan of loyalty cards. They’re a really easy way to bag exclusive deals and rack up points to spend on the things you love.
Keep reading to find out the best loyalty schemes currently available in the UK…
Key takeaways
- Loyalty schemes are a great way to save money when you shop at a supermarket and on the high street
- Retailers offer a range of rewards, including cash vouchers to spend in store and online, exclusive discounts, and freebies
- Some brands offer exclusive rewards for using the app instead of a traditional loyalty card
- Loyalty rewards typically have expiry dates, so make sure you spend your points or claim your freebies ASAP
Best supermarket loyalty card schemes
Using a loyalty card is one of my favourite ways to save money at the supermarket. It’s so easy to stack up points on your weekly shop! Here are the best ones…
1. Tesco Clubcard
Tesco Clubcard is arguably the most popular supermarket loyalty card, offering generous discount prices to members and 1 point per £1 spent every time you scan your card in-store, online, and at petrol stations. You’ll also get bonus points with your Tesco phone bill or Tesco credit card.
Once you reach 150 points or more, you can convert your points into vouchers to spend at Tesco or exchange your vouchers for up to double their value with Reward Partners. For example, a £5 voucher can be exchanged for a £10 voucher with Pizza Express or Cineworld, among many more partners.
If you’re a regular Tesco shopper, you can upgrade your membership to Clubcard Plus and get 10% off your groceries in-store, twice a month, as well as 10% off F&F for £7.99 a month.
2. Sainsbury’s Nectar Card
As a Nectar card holder, you’ll have access to exclusive Nectar prices on every day supermarket products and earn 0.5 points per £1 spent when you shop at Sainsbury’s stores and petrol stations. You can also get points when you enter your card number at partner retailers like Argos and Sky stores.
Once you reach at least 500 points, you can convert these into £2.50 vouchers and spend them directly at the checkout at Sainsbury’s stores and online. Or you can redeem points with a list of Nectar partners for discounts on travel, entertainment, and shopping.
3. Asda Rewards
Asda Rewards is the only supermarket loyalty app to give you cash in your ‘Cashpot’ rather than points, so £1 in your pot is worth £1.
Earn cash by purchasing ‘star products’ in-store to get up to 10% back in your Cashpot. You can also complete missions like spending a certain amount of money or shopping in specific categories e.g. fruit and veg to top up your pot.
Use your Cashpot balance to create vouchers via the Asda Rewards app. Vouchers start from a minimum of £1 and you can apply vouchers at checkout in-store or online to reduce your total bill.
4. Morrisons More
Morrisons More is one of my favourite loyalty cards, as it’s packed full of perks! Scan your card and earn 5 points every time you shop in-store, online, on Groceries on Amazon and at Morrisons petrol stations.
Once you reach 5,000 points, you’ll receive a £5 voucher to spend in-store or online. Plus, for every £10 you spend in store, you’ll receive 1 More Card Stamp. When you reach a certain amount of stamps, you’ll be rewarded with freebies like a free Pyrex dish.
You’ll also get exclusive discount prices in-store and special offers in the app, such as 20% off Nutmeg clothes or 10% off fresh fruit and vegetables. There are generous point boosting events too, where you can earn up to a whopping 10,000 bonus points when you shop, so keep a look out for these!
The app also features free to join clubs, including a baby and parenting club, where you can get special offers on products like nappies and baby wipes.
5. Lidl Plus
Lidl Plus offers a range of coupons and freebies for loyal customers every week on the app. I’ve had rewards like a free doughnut, £5-off a £25 off, and 15% off frozen veggies.
You’ll also get perks like digital scratch cards and bonus games, where you’ll be rewarded even more savings for your loyalty. Plus, Lidl also offer a sweet treat on your birthday if you’re a Lidl Plus app user.
To claim your rewards, simply scan your app at the checkout and your discounts will be applied.
6. myWaitrose loyalty card
myWaitrose works slightly differently to other supermarket loyalty schemes. You don’t collect points as such, but there are plenty of perks and benefits.
My favourite treat and a popular one for most shoppers is the free Caffe Nero hot drink you get each time you visit a store and buy something. Remember to bring your own reusable cup!
You’ll also get access to 20% off events including Big Cheese Thursday, Fish Friday, and Sizzling Saturday, and can enjoy free Waitrose magazines, which are packed with inspiring recipes.
7. Co-op Membership loyalty card
If you shop at Co-op regularly, even if you find yourself just popping in for bread or milk, it’s definitely worth joining the Co-op Membership. It costs just £1 and you’ll get access to exclusive offers, like discounted food and drink in Co-op stores.
Plus, you’ll receive savings across their insurance, funerals, and legal services too. You’ll even get pre-sale ticket access to Co-op Live gigs before anyone else.
8. Iceland Bonus Card
The Iceland Bonus Card is actually more like a savings card that rewards you when you shop. Pick up a card in-store or sign up online/on the app and then every time you shop, ask the cashier to top up your card. For every £20 you spend, they’ll give you £1 on top.
If you’re planning for Christmas or a special occasion, just putting away £2 a week could save you a whopping £109 in a year!
On top of this, you’ll get exclusive bonuses and offers throughout the year, plus free delivery when you shop in-store and online.
Best beauty loyalty cards
Moving onto beauty now… I can’t tell you how much money I’ve saved by having my beauty loyalty cards handy when topping up my makeup bag. Here are my favourites…
9. Boots Advantage Card
Boots Advantage Card is one of the most popular beauty loyalty card schemes in the UK. Buy any product in-store, online or on the Boots app and earn 3 points for every £1 you spend, plus get mega points boosts during special points events.
Boots also has a parenting club, where you can get baby freebies and digital money-off coupons, plus student discounts, and over 60s rewards. They also offer exclusive discounts in-store and online so you can save a lot of cash if you’re a member.
10. Superdrug Health & Beautycard
Save cash on all your beauty favourites with a Superdrug Health & Beautycard. You’ll earn 1 point for every £1 you spend and 100 points are worth £1.
There are loads of perks, including a birthday treat, exclusive prices in-store and online, and the ability to pay using a mix of points and cash.
11. Space NK NDULGE
Join Space NK’s NDULGE loyalty programme and get exciting updates and exclusive deals on all the latest beauty trends. Earn 1 point per every £1 you spend and when you hit 100 points, you’ll get a £5 voucher to spend in-store.
On your birthday, you’ll receive a lovely goodie bag with free beauty samples and you’ll also get early access to sales and brand events, plus the chance to double your points on selected days.
If you spend (an eye-watering) £1,000 or more within a 12-month period, you will automatically be upgraded to their NDULGE Deluxe programme, where you’ll get double the rewards and receive £10 for every 100 points earned. You’ll also get full-sized birthday treats.
12. MySephora
Calling all Sephora fans! Did you know there is a loyalty scheme? Every time you spend in-store or on their website, you earn points. Reach 100 points and you’ll receive a free product or a £5 voucher to spend. You’ll also get a free birthday gift!
This is a tiered loyalty programme with bronze, silver, and gold memberships, and the more you spend, the more you’ll be rewarded.
13. Holland & Barrett Rewards for Life
Did you know Holland & Barrett also have a loyalty scheme? Sign up today and get £3 worth of points straight away. After that, you’ll collect 4 points for every £1 you spend. You’ll receive quarterly money-off vouchers based on how many points you have, on top of exclusive discounts and loyalty rewards.
This is such a good one to join if you’re a loyal fan of H&B and need to visit regularly for special herbs, vitamins, or snacks.
Best food loyalty apps in the UK
We all love a good foodie treat, and with these loyalty schemes, you can bag yourself free food, which tastes even better!
14. MyMcDonald’s Rewards
MyMcDonald’s Rewards is a great way to get freebies if you’re a regular, which, let’s face it, most of us are! You can get free drinks, sides, McFlurries, chicken nuggets, McMuffins, signature burgers, and everything in between, depending on how many points you have.
Scan your app every time you visit and earn 1 point for every penny you spend. As soon as you reach 1,500 points, you’ll be able to claim your first reward.
15. KFC Rewards Arcade
16. Nando’s Rewards
17. Greggs app
18. Subway
19. Beefeater Rewards Club
20. Pizza Express
21. Wagamama soul club
22. Leon Club
23. Pret Perks
24. Burger King Rewards
25. Krispy Kreme
Best coffee loyalty apps
26. Costa Club
27. Starbucks
28. Caffe Nero app
29. Gail’s loyalty programme
Best retail & fashion loyalty card programmes
30. M&S Sparks
31. H&M Club
I love H&M for topping up on basics like jeans and vest tops! Join the H&M Club today and get 10% off your first order. After that, you earn 1 point per £1 spent and get a £3 voucher for every 100 points you collect.
Other perks include free click & collect, exclusive discounts on certain items, free standard delivery, and 25% off an item on your birthday.
32. Pets at Home VIP Loyalty Card
One for your furry friend! Sign up for a Pets at Home VIP Loyalty Card and get loads of discounts and freebies for your pets. Just by joining, you get 10% off your next purchase online AND another 10% in-store, too. You even get a birthday treat for your pet.
The really nice thing about this one is every time you swipe your card, you help a local animal charity. How lovely!
33. My John Lewis Loyalty Scheme
John Lewis is another popular store that offers a generous loyalty scheme. Sign up today to get rewards such as free tea and cake in their cafe, exclusive competition entries, early access to sales, discounts, plus loads more.
34. TK Maxx Treasure
Join the TK Maxx & Homesense Treasure loyalty scheme and collect keys to unlock lots of exciting rewards each time you shop. You can win all sorts of experiences and products. If you’re a regular shopper in either store, you must sign up!
35. Matalan Rewards
Matalan Rewards has been around for years and it’s a very generous loyalty card scheme. Sign up today and get a money-off voucher sent straight to your email.
Earn exclusive rewards all year round every time you shop, plus don’t forget to claim your exclusive birthday treat!
36. Waterstones Plus
Sign up to Waterstones Plus and earn a plus stamp every time you spend £10 or more in-store or online. Once you hit 10 plus stamps, you’ll get a free £10 voucher to spend. Students also get 5% off in their shops, cafes and online.
37. Hotel Chocolat VIP.Me
Hotel Chocolat also has a delicious loyalty scheme! Free chocolate! Where do I sign up?? Join now and get 15% off your first purchase, a yummy birthday choccie treat, monthly prizes, and loads more.
38. Decathlon
39. LEGO Insiders
40. Anthroperks
Best fuel loyalty schemes
41. Esso loyalty
Esso have partnered with both Nectar to reward you every time you fill up and scan your card at participating Esso petrol stations. Put 10 litres of fuel into your car, scan your Nectar card or pay through the Esso App and you’ll have the option to swap 300 Nectar points for 5p off per litre.
Sign up today and receive 1000 points on your next petrol visit. Esso works in partnership with Tesco at nearly 200 stores allowing you to collect and spend Clubcard points at all Esso service stations with a Tesco Express shop. Just tap your Clubcard when you pay for fuel or items in the shop. You can also spend your Tesco Clubcard vouchers on fuel at these Esso sites.
42. BP
43. Shell
Best home and garden centre loyalty cards
44. IKEA
45. B&Q CLUB
46. DOBBIES
47. Notcutts
Best hotel and travel loyalty programmes
48. HOTELS.COM
49. BOOKING.COM
50. AVIOS
51. BRITISH AIRWAYS
52. VIRGIN ATLANTIC
53. IHG HOTELS AND RESORTS
BEST PHONE LOYALTY APPS
54. O2 Priority
55. THREE
56. VODAFONE
Best insurance loyalty rewards
57. Meerkat rewards
58. SuperSaveClub
KFC Colonel Club
Chicken lovers! If you can’t resist a KFC, download the KFC app and join the Colonel Club for special rewards and offers. Get 3 stamps just for registering and treat yourself to some FREE hot wings straight away.
Following that, scan your app every time you’re there and collect a stamp with every purchase over £3 or two stamps when you spend £15+. The more stamps you have, the more free sides, snacks and money off you can score!
Greggs Rewards
I’m not going to lie, I LOVE Greggs! So I was very excited when they launched their rewards app. Join Greggs Rewards now and get a free hot drink just for signing up. Scan the app every time you visit a store and collect stamps for more hot drinks and treats.
Plus, keep an eye out for free pasties, crisps, and more. Even better, spoil yourself with a sweet treat on your birthday!
Subway Loyalty Card
Pick up a Subway Card on your next visit and start collecting points for free subs, drinks, cookies, and loads more. If you love Subway for lunch, I really recommend this one.
It’s so easy to stack up points! Also, you’ll get a free birthday cookie. Nice!
Nandos Card
I’m pretty sure everyone already knows about this one, but I’ll stick it in here anyway! Get yourself a Nandos Card and earn chilli points on orders of £7 or more. You only need 3 points to hit a green reward (free 1/4 chicken or side reward!)
Six points will get you an orange reward (1/2 a chicken, burger, or pitta) and 10 points will get you a whopping whole chicken or single combo meal. If you love a cheeky Nandos (sorry, couldn’t resist!) then get yourself signed up!
Krispy Kreme Rewards
I LOVE this one! Krispy Kreme Rewards is a super generous loyalty scheme, where you can get a free doughnut just for signing up. Earn rewards, try top secret recipes in the making and get a free doughnut on your birthday.
Beefeater Reward Club
Join The Beefeater Reward Club and get an instant 300 free points! From there, collect 5 points with every £1 you spend and cash in freebies and exclusive discounts along the way. They also offer a free main on your birthday, how lovely!
Best coffee loyalty schemes
It’s no secret that I LOVE coffee and tea! I also know how expensive takeaway coffee can be, so I’ve sussed out all the coffee loyalty schemes…
Starbucks loyalty card
This one works a little differently from your traditional loyalty card. To get started, pick up a card in-store and register it online.
Top up your card with money and pay with your card (or on their app) to earn ‘stars’ for rewards like free food and drink offers and free refills.
Costa Coffee Club
Join the Costa Coffee Club and earn points for freebies! You’ll earn 5 points per £1 spent and you currently get 100 points just for signing up.
The best part? You can earn points in-store, at their drive-thru, and even at their machines in petrol stations. Score!
Caffè Nero loyalty app
You may be familiar with Caffè Nero’s loyalty stamps already? They’ve now released an app so you’ll never lose your card! Download the Caffè Nero Loyalty App and once you hit 9 stamps, you’ll get your next drink free.
There’s also loads of perks including discounts and buy one get one free on drinks and cake!
Pret A Manger
This one is very exciting! Pret has now officially launched a brand new loyalty scheme where you can get free coffee and other hot drinks for a month!
Sign up online and get your first month free – from there it’s £20 a month. If you’re a regular there, you can save so much money on hot drinks.
Harris + Hoole
Harris + Hoole is a cute chain of rustic coffee shops (some in Tesco stores) and their coffee is delicious! Download their loyalty app today and get your first coffee absolutely free.
The app also features exclusive deals and competitions, and for every 6th stamp you collect, you’ll earn a free hot drink.
PAUL Loyalty app
Those down south, especially in London may have heard of PAUL. It’s a unique chain of cafes, who offer tasty coffee and delicious lunches. Download their loyalty app and get 100 points for every £1 you spend.
You’ll also get your 10th coffee free with their digital stamps, and surprise rewards and freebies.
Best fuel loyalty cards & apps
Esso
Esso have actually partnered with Nectar on their loyalty scheme. Simply Download the app and start earning Nectar points on things like:
- Fuelling your car (1L = 1 point)
- Shopping in-store (£1 spent = 2 points)
- Using the car wash (£1 spent = 2 points)
BPme Rewards
BPme Rewards is another great app if you’re driving and topping up fuel regularly. Get your first 500 points just for signing up!
Then earn regular points per litre of fuel, shopping, using their car wash, and recommending your friends. Plus, earn M&S Sparks points whenever you shop in one of their M&S BP stores.
Shell Go+
Download the Shell Go+ app and get rewarded every time you visit your local shell petrol station. Spend £10+ on fuel or £2 in-store and earn a ‘visit’ then once you’ve reached 10 visits, you’ll get a money-off fuel reward.
You can also enjoy 10% off hot drinks and food in-store, and also 10% off car care so things like using their jet wash.
Mobile phone loyalty apps
Another form of loyalty scheme that many people don’t know about is mobile phone loyalty apps. You can claim rewards from shops, restaurants, and websites, right from your phone!
O2 Priority
If you’re on O2 you can download the O2 Priority app and bag loads of freebies and discounts. This includes a regular free hot drink at Caffè Nero every Tuesday or Wednesday from 12pm.
Keep an eye out around Christmas, as they often have free Christmas cards and chocolate coins available at WHSmith too!
Vodafone VeryMe Rewards
Vodafone customers can also get lots of lovely perks. Download their VeryMe Rewards app and enjoy a regular free Costa coffee, free Greggs pasty, chocolate treats, plus loads more.
Sky VIP rewards
Sky VIP is Sky’s loyalty app where you can join for free as a customer. It offers access to thousands of rewards and prizes, depending on how long you’ve been with Sky.
You could win things like free data, days out, holidays, etc. There are currently a whopping 1m experiences available at the time of writing this!
EE rewards
EE doesn’t have a loyalty scheme as such, but all customers can currently get access to six months of Apple music. This changes regularly so keep an eye on this page for the latest offers.
BT Mobile
Sign up to BT Mobile and get BT Sport free if you have a phone plan costing £15 or more with broadband or £20 a month without broadband. It’s not an amazing perk if you’re not a fan of sports, but it’s something!
DIY & garden centre loyalty cards
B&Q Club loyalty card
Sign up for a B&Q Club loyalty card for exclusive offers such as 10% off all key cutting services and cafe purchases. Plus, get your £5 off voucher when you spend £30 or more.
Wickes
Wickes TradePro offers 10% off in-store and online for all trade people. To sign up you just need two forms of ID as proof you work in the industry.
It’s always worth asking if a close friend or family member has a card to help save some cash on DIY essentials!
Selco
Selco also offer a trade loyalty members card where you can save a fortune on DIY and building supplies as a trades person. Like Wickes, you’ll have to prove you’re in the trade to get your hands on a card.
Toolstation
Toolstation Customer Cards make purchasing from them a whole lot easier, as they can find you on their system and process your order quicker. Plus, you’ll also get access to their email newsletter and catalogue, featuring special deals and offers.
When you sign up, you’ll also be automatically entered into their competition to win a whopping £1,000 worth of tools and supplies!
Dobbies Garden Centre Club
Calling all gardeners! Dobbies Garden Centre has two loyalty schemes to help you save some cash on plants and flowers. For a basic club membership, you can earn 1 point per £1 spent and get money-back vouchers to spend in-store.
They also have a Club Plus option, where for just £12 per month you can enjoy perks such as 2 free hot drinks in their restaurant each month, 10% off plants, seeds, and bulbs, 2 points for £1 spent, a birthday treat, and loads more.
How to save even more money shopping
Loyalty cards are an amazing way to save money at the supermarket, when you’re shopping, or eating out at restaurants and cafes. There are a few other ways you can save money, too including:
Sign up to newsletters & follow brands on social media
If you’ve not seen your favourite brand on this list, they might still have a loyalty scheme or send special offers to email subscribers. Head to their social media channels and websites to follow and subscribe and watch the deals come rolling in!
Earn rewards with your bank account
Banks such as Santander, Halifax, and RBS all reward their customers for spending. Log into your online banking and make sure you opt-in to get tailored cashback offers and discounts.
Get cashback every time you shop
Earn free money with sites like Quidco and TopCashback when you shop online and in various stores. These sites are really easy to use and you can also set up pop up reminders so you can see if a brand offers cashback when you visit their website.
Find out more about my top 25+ cashback sites and apps in this guide
Get vouchers & rewards for recycling
Did you know shops offer vouchers and freebies for your old stuff? Find out how to get goodies like a free MAC lipstick and H&M vouchers in this list of 20+ popular brands that reward you for recycling.
Birthday freebies
I’ve mentioned a lot of brands that offer birthday freebies but there are even more available! Check out my whopping list of 60+ places to get birthday freebies to treat yourself on your special day.
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