Which UK Loyalty Cards Offer the Best Deals?

From discounts and special offers to cashback and free products – Loyalty Schemes can make a real difference to your shopping bill.

Loyalty cards and reward apps have been around for years, but recently, more brands than ever have jumped on board, offering exclusive perks for customers who sign up.

In some cases – like the Tesco Clubcard – it’s now cheaper to be a member than not, with significant price differences between Clubcard holders and non-members. But with so many loyalty schemes, which truly offer the best deals?

We’re breaking down the top UK loyalty cards, revealing hidden rewards you might not know about and helping you decide which are worth signing up for!

What’s In This Guide?

• How Do Loyalty Schemes Work?
• Top UK Loyalty Schemes Ranked
• Supermarkets
• Food & Drink
• Home & Garden
• Beauty
• Fashion
• Travel
• How to Save the Most with Your Loyalty Rewards
• Loyalty Schemes to Avoid
• Are Loyalty Schemes Worth It?

How Do Loyalty Schemes Work?

Loyalty Programmes typically work by rewarding customers for repeat shopping. As well as an initial discount for signing up, loyalty schemes work by offering points, cashback or discounts each time you make a purchase. These points can then be redeemed for vouchers or money off future orders! Some schemes also come with extra benefits such as:

• Exclusive member-only discounts
• Early access to sales
• Free shipping or special promotions

Top UK Loyalty Schemes Ranked

Whether you’re shopping for groceries, grabbing a coffee, updating your wardrobe or booking your next getaway, these reward programmes offer discounts, freebies and exclusive perks. Here’s a breakdown of the best loyalty cards across different categories – ranked from best to worst value – so you know which ones are truly worth signing up for!

Supermarkets

1. Tesco Clubcard

Tesco’s Clubcard allows members to earn points on purchases, which can be redeemed for discounts on future shopping or exchanged for rewards with their partners like easyJet Holidays or Disney+.

Alternatively, customers can save their Clubcard Vouchers throughout the year for their Christmas Shop. With Clubcard Savings, shoppers can save an average of 17% to 25% on loyalty products.

1. Nectar Card (Sainsbury’s, eBay & Argos)

The Nectar Card enables members to collect points across various retailers, including Sainsbury’s, eBay and Argos. Points can be redeemed for discounts on shopping, flights and fuel. Users can enjoy more benefits when using the Nectar app for special offers and challenges. ​

2. Morrisons More

Morrisons More allows customers to earn points on purchases, which can be converted into money-off vouchers. The scheme offers personalised offers and the ability to earn points through fuel purchases.​

3. Asda Rewards

Asda Rewards allows customers to earn pounds – not points on their shopping. These rewards are saved in a Cashpot, which can be converted into vouchers to spend in-store or online! For more deals, check out our Asda Groceries page for the latest discounts.

4. M&S Sparks

The M&S Sparks card offers personalised offers, priority access to sales and the chance to win back the cost of your shopping! However, it doesn’t operate on a traditional points system like many other stores.

Food & Drink

1. Costa Club

With a Costa Club membership, you can earn a bean for every drink you purchase, with every tenth drink free. The Costa Club also offers free birthday treats and exclusive offers such as buy 5 drinks, get one free. Download the free app to keep track of your beans and scan your card in-store for rewards.

2. Nando’s Rewards Card

Nando’s Rewards allows customers to earn a chilli point with every meal over £7 or more when you order, collect or eat in. You’ll get rewards such as free items every time you hit three, six and ten chillies.

3. Starbucks Rewards

Starbucks Rewards members earn stars for purchases, which can be redeemed for free drinks and bakery items. For every £1 you spend, you’ll collect 10 stars. The programme also offers personalised offers and a free birthday drink.​

4. Subway Rewards

When you join Subway Rewards, you’ll earn points on every purchase. You can then use your points to redeem discounts on future orders. The scheme also offers exclusive deals and free birthday rewards as well as access to bonus days. Download the free app and get 10 points for every £1 spent. Convert 150 points to £1 in Subway Cash.

5. McDonald’s Rewards

McDonald’s Rewards allows customers to earn points on purchases, which can then be redeemed for selected menu items. You’ll receive 1000 bonus points on your first order and once you reach 1500 points, you can redeem your first reward. Redeem your free rewards on the app and select ‘add to code’.

6. Co-op Membership

With a Co-op Membership, you’ll receive 2p for every £1 spent on Co-op branded products, with additional funds going to community causes.​ Simply download the app for a £1 joining fee and enjoy lower prices on everyday products and personalised offers.

7. LIDL Plus

LIDL Plus offers weekly coupons, discounts and the chance to win prizes through their app. The more you spend, the more rewards you’ll earn such as 10% off your next shop. You can also enjoy exclusive discounts from LIDL’s partners like Jet2Holidays and Vision Express.

Home & Garden

1. IKEA Family

IKEA Family members receive discounts on selected products, free hot drinks on weekdays and access to exclusive workshops and events.​ IKEA Family is completely free to join and their just-in-case protection means all your purchases are covered until they’re home and assembled!

2. B&Q Club

Creating a home you love is made more affordable when joining the B&Q Club. When joining, members can enjoy exclusive discounts, a £5 welcome voucher when you spend £30 or more, along with ongoing personalised offers based on your shopping habits.​

Exclusive benefits can include regular 10% off coupons, 10% off key-cutting in-store as well as discounts on Hertz van hire! For more savings at B&Q, keep your eyes out for our latest B&Q discount codes.

3. Pets At Home Rewards Hub

When you join the Pets At Home VIP Club, you’ll receive a 10% off welcome voucher to use in-store or online at The Groom Room. As a member, you will also receive tailored offers and advice and help animals in need each time you shop! When you download the app, you can also expect exclusive perks including all your vouchers in one handy place. For more Pets At Home savings, don’t miss the latest deals over on our offers page.

4. Waterstones Plus

Waterstones Plus members can earn a Plus Stamp for every £10 spent, with 10 stamps equalling £10 to spend in-store, online or in Waterstones cafes. As a Plus member, you’ll also get early access to seasonal offers, exclusive book events and secret sales. Enjoy free entry into monthly prize draws for unique rewards, including signed editions, collectable prints and even special experiences. Plus, you also receive exclusive anniversary treats.

5. Sky VIP

Sky VIP is a free loyalty program that rewards customers with exclusive perks, experiences and competitions. The longer you stay, the better the rewards, with four tiers – Silver (0-3 years), Gold (3-8 years), Platinum (8-15 years) and Diamond (15+ years). Members can enjoy free movie rentals, priority event tickets and VIP experiences like cinema screenings and sporting events. Rewards can be accessed and redeemed through the My Sky app, with new offers added regularly! For more Sky discount codes and promotions, visit our Sky deals page.

Beauty

1. Boots Advantage

The Boots Advantage Card offers 3 points for every £1 spent, with each point equal to 1p. The scheme also provides personalised offers and exclusive discounts such as the Boots Price Advantage that gives you access to lower prices on your favourite brands. You can also enjoy 10% on Boots own brands! Don’t forget to check out our Boots deals page for the latest promotions.

2. Superdrug My Rewards

Superdrug’s Health & Beautycard offers 1 point for every £1 spent, with each point equal to 1p. Members also receive exclusive discounts and a free birthday treat.​ The more points you earn, the more rewards you’ll get, eventually leading to Gold Status membership.

3. MySephora

MySephora Rewards members can earn points on purchases for rewards. You’ll also get £5 off your first purchase as well as free gifts from huge brands. The programme also offers free birthday gifts and early access to sales.​ You can stay updated with all the latest Sephora savings and promotions on our Sephora deals page.

4. LF Beauty Plus+

LookFantastic’s Beauty Plus+ programme offers members points on purchases, early access to sales and exclusive discounts.​ You get 5 points for every £1 you spend and once you reach 500 points, you can redeem £5 in credit. Refer your friend to LF Beauty Plus+ and you’ll get a free £5 added to your account. To stay updated with all the latest Loofantastic discount codes and promotions, visit our deals page.

5. Benefit Loves Loyalty App

The Benefit Loves Loyalty app allows customers to earn points on purchases which can then be redeemed for rewards and exclusive offers.​ Earn one heart point for every £1 you spend and get 50 hearts just for joining. You can also earn bonus points for signing up to marketing comms, referring friends and when it’s your birthday! Find more discounts on our Benefit deals page.

Fashion

1. H&M Membership

H&M’s Membership programme offers £1 for every £1 spent with bonus points for completing your profile, garment collecting and bringing your bag in-store. Core members get free delivery over £30, exclusive member offers and a £3 bonus voucher for every 100 points earned. You’ll also get partner promotions and pre-access to special collections.

2. Footasylum Rewards

Footasylum Rewards allows members to earn points on purchases, redeemable for discounts and exclusive offers.​ You’ll get 5p back for every £1 you spend, meaning a £100 spend gets you £5 off your next purchase. You’ll also get access to exclusive competitions. Download the free app today and start scanning your rewards price code to save. For more savings, check out our Footasylum deals page for the latest discounts.

Travel

1. Booking.com Genius Rewards

When signing up for Booking.com’s Genius loyalty programme, you can enjoy lifetime travel discounts and exclusive perks at thousands of hotels and car rental services! It’s completely free to join and the rewards increase the more you book. Members will unlock 10% discounts on select stays and rental cars. When you complete five bookings in two years, you’ll progress to Level 2, which offers up to 15% off stays, free breakfasts and complimentary room upgrades on select bookings! When you reach Level 3, you’ll get 20% off stays, free breakfasts, room upgrades and priority customer support. Plus, Genius Rewards never expire, meaning once a level is unlocked, the benefits are yours for life!

2. Hotels.com OneKey

Hotels.com’s OneKey is a free travel rewards programme that allows members to save 10% or more on thousands of hotels across the globe. OneKeyCash is your rewards currency, which you’ll receive once your trip is complete and can be used on eligible hotels and car rentals. The more you book, the quicker you will progress through the 3 tiers – Silver, Gold and Platinum. And the higher the tier, the better the rewards! Find more ways to save on our Hotels.com deals page.

3. MyJet2

My Jet2 is a free membership program offering exclusive discounts on flights and package holidays, as well as a handy booking management system. Members can book, check in and modify their booking including adding extras like seats and meals. MyJet2 members can also store friends’ and family details for quicker group bookings. Members will also receive priority access to news and special offers, ensuring they’re up to date with all the latest travel deals. For more savings, check out our Jet2 deals page for the latest discounts.

How to Save the Most with Your Loyalty Rewards

There are certain strategies you can follow to get the most out of your loyalty rewards. We’ve listed the top ways you can use your points to save the most while shopping:

Stack discounts

Certain retailers allow you to stack loyalty discounts with other deals to save even more. For instance, you can combine Clubcard prices with Tesco sales for bigger savings.

Use online shopping perks

Some loyalty schemes allow you to collect points at partner stores and other online retailers. For example, you can collect Nectar points when shopping online at eBay and Argos. Plus when shopping online, loyalty programmes often give you access to perks like free delivery and gifts.

Convert your points to higher value

Some points are worth more when redeemed on selected products or experiences. For instance, you can often redeem the same amount of points for a higher value on travel. Make sure you explore all the ways your points can be used before redeeming them to get the most out of your rewards.

Take advantage of birthday rewards

Many programmes offer birthday freebies or bonus rewards as standard on member’s birthdays. To make the most of these free gifts, make sure you enter your birthday when completing your membership profile. You’ll usually receive a notification or email in the days leading up to your birthday with a free discount code or deal for money off your next order.

On top of loyalty rewards, there are tons more ways you can save money online you probably don’t know about. Check out our latest guide where we’ve unlocked hidden savings you can make when shopping online.

Loyalty Schemes to Avoid

Although a lot of companies offer loyalty schemes these days, not all provide great value. We recommend being cautious of programmes that offer:

• Very low point values: Some bank rewards require high spending for minimal returns.
• Quick-expiry points: Check how long you have to redeem points before they disappear.
• Complicated redemption processes: If it’s too much effort to use your rewards, it may not be worth signing up.
• Rewards for a high joining fee: Before signing up for what seems like a free scheme, make sure you read the small print. Some retailers offer loyalty memberships for a pricey annual or monthly fee without making this clear during sign-up.

Are Loyalty Schemes Worth It?

Yes. Most loyalty schemes are 100% worth it, especially if it’s a store you shop at all the time. For very little effort – in most cases just scanning a barcode at the checkout – you can earn points every time you shop that can quickly add up to rewards. 

Supermarket rewards are especially great as they can be earned and used on an array of products including weekly groceries.

We’d recommend joining the loyalty schemes of your favourite stores that you spend the most money at. Combining multiple schemes with discount codes and promotions can also help you get the best deals on your everyday purchases.