loyalty cards

The best loyalty cards in the UK

author: Sarah Beresford

By Sarah Beresford

Loyalty cards are a great way to get more bang for your buck. And plenty of places offer them, so where are the best deals?

Best supermarket loyalty cards

Tesco Clubcard

How does it work?

With the Tesco Clubcard, you earn 1 point for every pound you spend in-store and online and 1 point for every £2 you spend on Tesco fuel.  Once you've collected 150 points, you'll get vouchers worth £1.50, which you can redeem at Tesco or with one of their Clubcard partners.

Extra perks

Vouchers are worth three times more if you use them for goods or services with one of the Clubcard partners. For example, if you use your vouchers to buy something from Denby, every 50p worth of vouchers will be worth £1.50 at Denby.

Partners are extensive and range from the RAC to Legoland and from Pizza Express to Denby pottery.

Where can you use it?

You can collect points in all Tesco stores, petrol stations and Esso garages with a Tesco Express shop. You'll get points for spends on Florence & Fred clothing, Tesco Mobile, and Tesco bank. There are also surveys you can take on the Tesco Clubcard website to earn points.

Sainsbury’s Nectar card

How does it work?

Earn 1 point on your Nectar card for every £1 spent at Sainsbury’s and participating partners. For every litre of Sainsbury's fuel bought, you'll earn 1 point. Every 500 points earned is worth £2.50.

Extra perks

Nectar cardholders get personalised offers via the Nectar website or app.

Where can you use it?

You can collect and spend your vouchers at Sainsbury’s stores, Sainsbury’s Bank and with over 400 partners such as Argos, eBay, British Airways, and Caffè Nero.

Best clothing & retail loyalty cards

H&M Clubcard

How does it work?

Collect points with the H&M club via the app - you’ll get 1 point for every £1 you spend. When you get to 100 points, you’ll receive a £3 discount voucher.

Extra perks

After signing up for the H&M Clubcard, you'll get 10% off the next purchase you make and 25% off an item on your birthday. Other perks include free standard delivery for online orders (when you spend over £20) and free click and collect. Collect 3 "conscious" points by taking your shopping bag to the store, or 50 points for recycling clothes.

Where can you use it?

H&M only, in-store and online.

Marks & Spencer Sparks card

How does it work?

The M&S Sparks card is reward-based. You don't collect points, but every time you shop, you'll be able to receive personalised offers.

Extra perks

M&S donate to a charity of your choice every time you use your Sparks card. One lucky customer every week will get all their shopping for free.

Where can you use it?

M&S stores, food halls and online.

Best home furniture, DIY & gardening loyalty cards

IKEA Family card

How does it work?

Join the IKEA Family and get access to exclusive offers and discounts on furniture items. Just hand your IKEA family card to the cashier when you purchase to take advantage of the offers.

Extra perks

IKEA Family cardholders can get tea and coffee for free from IKEA restaurants during the week only. You can also attend free in-store home furnishing workshops. If you've swiped your card at checkout, you're also entitled to "Oops insurance", which means IKEA will replace any item that's accidentally damaged in transit on the trip home or during assembly.

Where can you use it?

IKEA only, in-store and online.

B&Q Club

How does it work?

Each time you purchase B&Q, you'll receive a discount voucher that's redeemable against your next shop.

Extra perks

Save £10 on a two-hour van hire with Hertz, paying £20 instead of the usual £30. You’ll also receive a 10% discount on in-store key cutting.

When you sign up for the card, you’ll receive a £5 voucher to use when you spend £30 or more.

Where can you use it?

At B&Q, in-store, online and at Hertz.

Best health & beauty loyalty cards

Boots Advantage card

How does it work?

Earn 4 points on your Boots Advantage card for every £1 spent. Every point is worth 1p, so you’d have to spend £5 to collect 500 points.

Extra perks

You’ll receive personalised offers that you can have loaded onto your advantage card ready to spend.

Where can you use it?

Boots only, in-store and online.

Superdrug Health & Beauty card

How does it work?

Earn 1 point on the Health & Beauty card for every £1 you spend. Every point is worth 1p, and you can redeem points in blocks of 100. For example, when you have 100 points, you can get £1 off a shop or continue saving.

Extra perks

You’ll be able to get free delivery on online orders over the value of £10 rather than the usual £15. There are often special prices for cardholders and discounts on certain products on Thursdays. You can look forward to a birthday treat as well.

Where can you use it?

Superdrug only, in-store and online.

Best food & drink loyalty cards

Subway Subcard

How it works

Collect 10 points on your Subcard for every £1 spent. You can have a physical Subcard or use the app to get the full benefits. With 100 points, you can get a free hot drink, 200 points gets you a snack, and 500 or 1000 points earns you a free 6" or 12" sub or flatbread.

Extra perks

You’ll get occasional offers, and you can join the Subsquad, which lets you earn bonus points if you and up to eight friends purchase within a four-hour window.

Where can you use it?

Subway only.

Caffe Nero

How does it work?

Each time you buy a hot drink, you'll get a stamp on your Caffe Nero loyalty card. Collect nine stamps and your next one will be on the house. You can choose any size too so make it a large one!

Extra perks

Receive an extra stamp if you take your reusable cup.

Where can you use it?

Caffe Nero only.

Read on to find out how you can shop smarter in the supermarket.

Disclaimer: All information and links are correct at the time of publishing.

author: Sarah Beresford

By Sarah Beresford

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