Looking for the best loyalty card schemes in the UK? You’re in the right place! 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…
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
The KFC Rewards Arcade rewards loyal KFC customers who order on the app. For every order over £3 made through the app, customers earn a stamp.
After collecting three stamps, you get a chance to spin the digital Rewards Arcade. Prizes include free KFC items like fries, wings, or burgers, as well as exclusive discounts or surprise rewards.
16. Nando’s Rewards
Nando’s Rewards offers free food as you earn “Chillies”—through repeat visits by scanning your rewards card. Every time you spend £7 or more at Nando’s (after discounts), you earn one Chilli.
Once you collect 3, 6, or 10 Chillies, you unlock more valuable rewards:
- 3 Chillies (Green Reward): Choose a free ¼ chicken, 3 chicken wings, or any starter.
- 6 Chillies (Orange Reward): Get a free ½ chicken or any single burger, pitta, or wrap.
- 10 Chillies (Red Reward): Enjoy a free whole chicken, a meal with sides, or a salad or bowl
New members receive a bonus Chilli when you sign up and there are often chances to get more bonus stamps during promotions like Double Chilli Weeks.
17. Greggs app
Greggs is definitely one of my favourite places for a quick lunch and coffee break. Get a free hot drink just for signing up and scan the app every time you visit a store to collect digital stamps for pasties, sandwiches, hot drinks, and sweet treats.
Once you reach nine stamps in a category, the tenth item is free! Plus, get a sweet treat on your birthday and exclusive deals and promotions within the app.
18. Subway
Pick up a Subway Rewards card and earn points to convert into Subway Cash to spend on anything on the menu. Plus, you’ll also get a free birthday cookie and access to exclusive rewards and discounts!
19. Beefeater Grill Reward Club
If you’re a regular at a Beefeater restaurant, it’s definitely worth signing up to the Reward Club! You get 5 points per £1 and once you reach 500 points, you’ll get money off or even free food and drink vouchers. Plus, you’ll also get a surprise birthday treat for free.
20. PizzaExpress Club
Join the PizzaExpress Club and you’ll get instant rewards every time you dine. Sign up today and become a Bronze member straight away, with free Dough Balls, and enjoy perks such as 25% off Piccolo kids’ meal and a birthday treat.
As you work your way up to Silver or Gold status, you’ll enjoy bigger rewards such as free pizza base upgrades and soft drinks.
21. wagamama soul club
Collect stamps when you join wagamama’s soul club and dine in or order on deliveroo. When you sign up, you’ll get a bonus edamame or koko prawn crackers. After that, you’ll collect a stamp when you spend £12. Once you hit 3 stamps, you’ll get a free side, and you’ll get a free main for 6 stamps.
22. LEON Club App
Download the LEON Club app and 100 points for every £1 you spend. Hit 3,000 points and you’ll get a menu item of your choice. Plus, if you sign up to their newsletter, they’ll send you a digital voucher for 30% off your next order.
23. Pret Perks
Pret Perks is a great way to save money if you’re a Pret regular. Earn stars every time you visit a store and scan the app. Once you reach 10 stars, you’ll get a perk such as such as drinks, popcorn, or vegan cookies.
They also have bonus stars and perks featured regularly so keep an eye out for these!
24. YourBurgerKing rewards
Sign up and download the YourBurgerKing app and place an order to earn points. You earn 10 point for every £1 you spend, which you can redeem for some of your favourite menu items. I like this one, as it’s a really simple loyalty scheme that does exactly what it says and their burgers are absolutely delicious!
25. Krispy Kreme Rewards
This has got to be one of my favourites… Get a free doughnut just for signing up to Krispy Kreme Rewards! From there, you’ll earn 10 Smiles for every £1 spent in one of their shops, any participating supermarkets, and online. You’ll also receive a free birthday doughnut and exclusive discounts.
Best coffee loyalty apps
Any Mum will tell you that coffee is essential! And it tastes even better when it’s free with one of these loyalty cards…
26. Costa Club
Costa is my go-to coffee shop and I personally think their reward app is the best. Earn beans every time you scan the app and once you reach 10 drinks, you’ll get any drink you like on the house.
Plus, they have loads of offers and discounts featured every month and you’ll get a free cake on your birthday.
Sign up with using my referral link below and we’ll both get 6 beans when you buy your first drink.
27. Starbucks Rewards
Join Starbucks Rewards by registering a Starbucks Card or creating an account through the Starbucks app or website and for every £1, you’ll get 10 Stars. Their reward system is tiered, so once you collect certain Stars, you’ll earn the following:
- 130 Stars = filter coffee, hot teas or a signature americano
- 300 Stars = selection of bakery items
- 500 Stars = handcrafted drinks
- 1,000 Stars = merchandise
Plus, Gold members who reach 2,500 Stars get extra shots of espresso, selected syrups and whipped cream, and a free birthday drink.
28. Caffe Nero app
Caffe Nero also has a loyalty app, where you can earn stamps every time you buy a coffee. Once you hit 9 stamps, your 10th hot drink will then be free. They also have exclusive discounts for app users, offering free sweet treats and more.
29. Gail’s loyalty programme
Gail’s also offers loyal customers a chance to save money when you visit a chain. Download the app and collect 9 stamps to enjoy a barista-made drink or a loaf of bread for free. You’ll also get a sweet treat during your birthday month and other exclusive rewards within the app.
Best retail & fashion loyalty card programmes
30. M&S Sparks
M&S Sparks is one of my favourite clothing and food loyalty schemes because the more you scan, the more it tailors offers to you. This includes things like 50p off fruit and veg, to 15% off women’s lingerie.
You can also scan the app in the cafe to earn stamps towards a free hot drink, and you’ll even get a free birthday treat.
31. H&M Membership
Become a H&M member today and earn 1 point per £1 spent when you shop. Once you reach 100 points, you’ll get a £3 voucher to spend in-store or online.
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 Pets Club
Join Pets at Home’s Pets Club and get perks including 10% off your first shop after signing up, weekly discounts and savings, and free expert advice for your furry friend.
33. My John Lewis
John Lewis is another store that offers a generous loyalty scheme. Sign up today to get £5 off when you spend £50, plus enjoy rewards like free tea and cake in their cafe, exclusive competition entries, early access to sales, discounts, and 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 products and experiences. If you’re a regular shopper in either store, you’ve got to sign up for this one!
35. Matalan Me Rewards
Matalan Me Rewards has been around for years and it’s still a super generous loyalty card scheme. Sign up and get exclusive deals and money-off vouchers sent straight to your email or in the post.
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. Join today and get 15% off your first purchase, 20% off drinks and ice cream, a yummy birthday chocolate treat, monthly prizes, and loads more.
38. Decathlon
Decathlon’s loyalty scheme allows you to earn points to spend in-store and online every time you shop. You can also earn 150 by syncing up your fitness tracker and completing 150 active minutes per week.
You’ll even get points for reviewing products for fellow customers. If you shop here regularly, you’ll soon rack up points to convert into vouchers!
39. LEGO Insiders
LEGO insiders is without doubt, the coolest loyalty scheme on this list. Sign up for free and get exclusive deals, early access to sets, points to convert into vouchers to spend in-store and online, and loads more.
Best fuel loyalty schemes
It’s no secret that fuel is expensive! Here are some ways you can earn a little back with these fuel loyalty schemes:
40. Esso Nectar
Esso have 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)
You’ll also get 1,000 bonus points added to your account when you install the app and top up fuel.
41. Esso Tesco Clubcard
Esso also 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. BPme Rewards
Pay for fuel on your phone and earn BPme Rewards points without needing to scan your card! You’ll get 500 bonus points added to your account when you register, which is worth £2.50. Plus, receive exclusive offers and rewards and enter member-only competitions.
43. Shell Go+
Download the Shell Go+ app and get rewarded every time you visit your local Shell petrol station. Get £2.50 just for signing up and earn points when you fill up and scan the app. Plus get 10% off car washes, earn a free hot drink every time you buy 7 drinks and scan the app.
Exchange your points for gift cards or rewards with Shell partners.
Best home and garden centre loyalty cards
If you love a DIY project or have green fingers, these loyalty schemes are perfect for you!
44. IKEA Family
IKEA Family is personal favourite loyalty scheme of mine, as it has so many perks for regular visitors. And we go there A LOT. You can get the following as a member:
- Discounts on food and purchases
- Discounts on Delivery and Click and collect services
- Free workshop and events
- Free tea or filtered coffee
- Exclusive reduced prices on selected items
45. B&Q Club
B&Q Club is a great loyalty scheme to join, especially if you’re a keen DIY-er! Get a £5 voucher when you sign up and spend £30 or more. You can also enjoy perks like regular 10% email vouchers, 10% off key cutting, plus loads of other exclusive rewards.
46. Dobbies Club Plus
I personally love Dobbies garden centres! We go so much with my daughter, as there is a mini soft play and train ride at our local one.
When you sign up for a Dobbies Club membership for £15 per year, you can enjoy two free hot drinks per month, a birthday treat, 2 points for every £1 you spend, money off plants, and loads more.
47. Notcutts Privilege Club
Nottcutts is another lovely garden centre that offers a loyalty scheme. Get 10% off everything and loads of exclusive offers all year round, for just £12 per year.
Best hotel and travel loyalty programmes
Did you know many hotels and booking websites offer loyalty schemes? Keep reading to discover the best ones…
48. HOTELS.COM One Key
One Key is Hotels.com’s (and Expedia/Vrbo’s) revamped free-to-join loyalty scheme where you can immediately get Member Prices (10–20% off on 100K+ hotels) and earn OneKeyCash™ on eligible travel.
This is typically 2% back on hotels, rentals and activities, increasing to 3–6% on VIP stays as you climb the tiers (Blue, Silver, Gold, Platinum) by collecting “trip elements” such as hotel nights, car rental days or activities.
Your perks grow with each tier, including higher Member Price discounts, priority support, complimentary extras like F&B at VIP Access properties, and room upgrades at Gold/Platinum.
Existing Expedia and Hotels.com rewards (stamps, points, reward nights) are automatically converted into OneKeyCash, which never expires as long as you make a qualifying booking within 18 months.
49. BOOKING.COM Genius
Booking.com’s Genius loyalty programme offers loads of benefits on select stays and car rentals. As soon as you join, you’ll reach Genius Level 1, unlocking a 10% discount on eligible bookings and rental cars.
After completing 5 bookings within 2 years, you’ll achieve Level 2, gaining 10–15% off, plus free breakfast and room upgrades at participating properties.
With 15 bookings in that same timeframe, you reach Level 3, which extends discounts to 10–20%, includes all Level 2 perks, and adds priority customer support.
50. Avios
Avios is the global loyalty currency of the IAG Airline Group (including British Airways, Iberia, Aer Lingus, Vueling, Qatar Airways, Finnair, Loganair, and more), where you can collect on flights, everyday spending (shopping, dining out, fuel, finance), hotel stays, car hire and other travel and lifestyle brands.
Points can be redeemed for reward flights (including upgrades and part-payments), hotels, car rentals, wine, experiences, and even contributions toward sustainable aviation fuel.
You can combine Avios across household or linked airline accounts, transfer between programmes e.g. Nectar and Avios, or purchase extra points when needed.
Points remain valid as long as you collect, spend, buy, or share at least once every 36 months, with over 69 million members worldwide and partnerships with more than 2,000 retailers.
51. The British Airways Club
The British Airways Club offers two types of points: Avios, which can be redeemed across flights, upgrades, hotels, car rentals and more, and Tier Points, which are also rewarded on bookings, and there is an opportunity to work your way up to get more savings (Blue, Bronze, Silver, Gold, and Gold Guest List).
£1 will get you 1 Tier Point and these are earned every time you book BA flights, holiday packages, seat selection, baggage, sustainable aviation fuel contributions, and credit card use. There are also opportunities to earn bonus points, like 500 points on bookings.
52. Virgin Atlantic Flying Club
Virgin Atlantic’s Flying Club offers members two types of points:
- Virgin Points, which never expire and can be collected through flights, partner spend (like hotels, trains, shopping), and Virgin Red
- Tier Points, earned on flights and reward bookings to advance through three status levels: Red, Silver (400 Tier Points), and Gold (1,000 Tier Points)
As you climb the tiers, you unlock benefits ranging from Economy seat-selection and early boarding (Red), to priority check-in, extra baggage, and Silver bonus points (Silver), and further perks at Gold including lounge access, guaranteed upgrades, and premium customer service .
53. IHG OneRewards
IHG OneRewards allows members to earn points on hotel stays, meetings, OpenTable, Viator, Hertz, and partner airlines. You can earn Silver, Gold, Platinum, or Diamond status, which offer perks like late checkout, room upgrades, guaranteed availability, and dedicated customer support.
Milestone Rewards start at 20 nights and include choices among bonus points, food and beverage credits, confirmable suite upgrades, and annual lounge access up to 100 nights. Diamond members also enjoy complimentary breakfast as a welcome amenity and Hertz Gold Plus Rewards Five Star status.
Best phone network loyalty apps
I love getting extra little wins from things like my phone network. Check out these network provider rewards for loyal customers…
54. O2 Priority
Exclusive to O2 (and bundled with Virgin Media O2), the O2 Priority app regularly offers freebies and discounts (like Caffè Nero coffee or Greggs pasties), discounted cinema tickets, early access to O2 venue events, and prize draws. Pay as you go (PAYG) users even get quarterly cashback on top-ups.
55. Vodafone VeryMe Rewards
VeryMe Rewards is available in the My Vodafone app (for pay-monthly and PAYG), offering weekly freebies like Costa or Greggs coffee, cinema discounts, restaurant deals, competitions, and media perks like 3 months Disney+ Standard or other streaming subscription deals.
56. Three+
Three’s rewards app, Three+ offers £1 Caffè Nero coffees, cheap Cineworld tickets, event pre‑sale access, food & retail deals, and entertainment perks including gig and festival discounts, and even offers for football fans too.
Best insurance loyalty programmes
Even insurance websites have clocked the value of rewarding loyalty, here are the best offers:
57. SuperSaveClub by MoneySuperMarket
MoneySuperMarket’s SuperSaveClub offers members exclusive loyalty discounts and access to prize draws across insurance, energy, travel, and more. You’ll get rewarded £20 each time you buy a qualifying product, earn cashaback on purchases, and get access to hundreds of free days out.
58. Compare the Market Customer Rewards
Compare the Market’s Customer Rewards programme became famous for Meerkat Movies, offering 2-for-1 cinema tickets every Tuesday or Wednesday for those who took out an insurance policy.
It’s now extended to Meerkat Meals, offering 2-for-1 restaurant meals Sunday to Thursday, plus 25% off coffee and pastries at Caffè Nero. You can literally buy a £1 policy to insure these rewards, which I highly recommend!
I hope these loyalty schemes help you save some cash on your next purchase or meal out!
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