Best loyalty cards and reward schemes in the UK

Emma-Jane Stogdon

If you’re moving to the UK, you’ll need to get to grips with the cost of living here and find ways to keep your daily expenses down.

If you want to make your hard-earned cash go further, loyalty cards and reward schemes are a great way to make savings on everyday purchases. The great news is that the UK has loads of such schemes to choose from, on everything from coffee to fuel.

Read on to discover all of the best loyalty cards and reward schemes in the UK.

We’ll also show you how to save money on everyday spending in UK stores, online and in other countries too, using the Wise card.

What loyalty cards are available in the UK?

The UK has a wide range of loyalty cards, schemes and rewards programs available. Pretty much all the major supermarkets have them, as do coffee shops, fast food brands, and health and beauty retailers.

You’ll even find rewards schemes at your favourite clothes shops, or your local petrol station.

Are loyalty cards worth it?

If you’re a regular customer at the retailer anyway, loyalty cards can save you money. It might be a discount here or there, or the chance to earn points to redeem for a free item.

As long as you’d be buying the item anyway (and aren’t buying things you don’t need for the sake of the points), it could be a good way to make savings.

Best loyalty cards and reward schemes – the comparison

Vector image of a pile of loyalty cards in multiple colours on a lilac background

Now, let’s take a look at a selection of the best loyalty cards and rewards schemes in the UK right now:

CompanyLoyalty card/schemeBest for
ASDAASDA RewardsGroceries
LIDLLIDL PlusGroceries
Co-opCo-op MembershipGroceries
BootsBoots Advantage CardHealth and beauty
SuperdrugSuperdrug Health and BeautycardHealth and beauty
The Body ShopLove Your Body ClubHealth and beauty
GreggsGreggs RewardsFood and drink
NandosNandos RewardsFood and drink
McDonald'sMyMcDonald's RewardsFood and drink
Pret a MangerPret PerksCoffee
Caffè NeroCaffè Nero Loyalty CardCoffee
CostaCosta ClubCoffee
WaterstonesWaterstones PlusBooks
ShellShell Go+Fuel
IKEAIKEA FamilyHomewares
AviosAvios Air MilesTravel

UK supermarket loyalty cards

UK supermarket snacks and chocolate aisle

Tesco Clubcard1

  • Lower ‘Clubcard prices’ on selected products
  • Collect Clubcard points in-store and online with Tesco and its partners
  • Turn every 150 points into £1.50 in vouchers
  • Get 2x more value from vouchers when spending at Reward Partners
  • Personalised coupons for extra discounts or bonus points.

You can sign up for Tesco Clubcard on the supermarket’s website, or download the app. It’s free, although Tesco also has Clubcard Plus costing £7.99 a month, offering extra discounts and other perks.

Sainsbury’s Nectar2

  • Lower ‘Nectar prices’ on selected products
  • Earn 1 point for every £1 spent at Sainsbury’s
  • 500 points are worth £2.50
  • Redeem at Sainsbury’s or nearly 300 other partners
  • Also earn Nectar points at eBay, Argos and other partners
  • Bonus point offers and personalised prices when you use the Sainsbury’s SmartShop app.

You can sign up at and link your Nectar account with your Sainsbury’s account before you start shopping.

ASDA Rewards3

  • Collect ‘ASDA Pounds’ by buying star products or completing ‘missions’
  • Use online and in-store, as well as with the ASDA Money Credit Card
  • Convert your Cashpot into vouchers for ASDA.

To join ASDA Rewards, you’ll need to download the app. If you have an ASDA online account already, you can sign in with these details.

LIDL Plus4

  • Reach monthly spending targets to earn coupons, including free bakery items and 10% off your next shop
  • Chance to win scratchcard prizes after every shop
  • Exclusive discounts and offers from partners.

To join LIDL Plus, simply download the app and register.

Co-op Membership5

  • Access to exclusive offers, discounts and events
  • Member Prices on shopping
  • Personalised offers each week
  • Help choose a community project for the Co-op to support.

Becoming a Co-op Member costs £1 - simply sign up online at the Co-op website.

Health and beauty loyalty cards in the UK

Woman with hair in towel, applying lip tint in mirror

Boots Advantage Card6

  • Savings on 100s of products
  • 10% off selected Boots brands
  • Collect 3 points for every £1 you spend
  • Access to points events for an extra boost
  • Use points instead of cash when you shop at Boots.

To get your Boots Advantage Card, you can sign up online at the Boots website or download the mobile app.

Superdrug Health and Beautycard7

  • Earn 1 point for every £1 you spend
  • Earn more with bonus points offers on selected products
  • 100 points is worth £1 to spend at Superdrug
  • Free standard delivery on orders over £20 (it’s £25 for non-members)
  • Treat Thursday - exclusive member discounts on brands or products
  • Member pricing on selected products in-store and online
  • Exclusive birthday treat.

You can get your Health and Beautycard in-store and register it online.

The Body Shop Love Your Body Club8

  • 15% off your first purchase
  • Earn 10 points for every £1 spent
  • Once you reach 500 points, you’ll get a £5 voucher
  • Early access to limited edition products
  • Tips, advice and beauty inspiration
  • £5 voucher on your birthday.

You can join the Love Your Body Club by signing up online.

Fast food loyalty cards and apps

Close up of french fries

Greggs Rewards9

  • Earn a stamp for every order
  • Collect 9 stamps and get your 10th item free
  • Free treat on your birthday
  • Free regular hot drink when you sign up.

To start earning stamps, simply download the Greggs app and register.

Nandos Rewards10

  • Earn a ‘Chilli’ every day you spend over £7 or more on an eat-in, collect or delivery order
  • Collect 3 Chillies for a Green Reward, 6 Chillies for an Orange Reward and 10 Chillies for a Red Reward.
  • Use your rewards in Nando’s restaurants, or on collect or delivery orders.

You can create an account on the Nando’s website, or join by downloading the Nando’s app.

McDonalds - MyMcDonald's Rewards11

  • Earn 1 point for every penny spent at McDonald’s
  • Generate a unique code in the app for orders via Kiosk, Drive-thru or Front-counter
  • Redeem for free food and drink once you reach 1500 points
  • Receive 1000 bonus points and free medium fries on your first order.

Download the McDonald’s app, sign up and opt in to get started.

UK coffee shop loyalty cards

Close up of three different coffee types, two with latte art and one iced

Pret a Manger - Pret Perks12

  • Earn a star with every shop
  • Earn a perk when you get 10 stars
  • Choose from a selection of treats
  • Earn bonus stars/

Download the Pret mobile app to start earning and tracking stars.

Caffè Nero Loyalty Card13

  • Collect stamps with purchases
  • Redeem stamps for rewards
  • Earn exclusive rewards
  • Easily order and pay for Click and Collect.

To get the Caffè Nero Loyalty Card, download the app and create an account.

Costa Club 14

  • Buy 10 drinks to earn 1 free in store (any drink, any size)
  • Free cake on your birthday
  • Earn an extra ‘bean’ when you use a reusable cup in store, getting 1 free drink for every 5 drinks bought.
  • Exclusive bonuses and money-off rewards.

Download the Costa app to start earning rewards.

Other loyalty cards and reward apps

Generic cashback and rewards app on phone

Waterstones Plus 15

  • Earn a Plus Stamp for every £10 you spend
  • 10 stamps gives you £10 to spend in Waterstones shops, cafes or online
  • Access to seasonal offers and secret sales, including exclusive book events
  • Free to enter prize draws each month
  • Treats on your Plus anniversary each year
  • Book recommendations sent by email.

Head to the Waterstones website to register for Plus.

Shell Go+16

  • Get money off fuel for every 10th visit
  • Discounts on products and services
  • Surprise shop reward
  • 10% off hot drinks and food, including Costa Coffee
  • 10% savings on car washes, selected motor oils
  • Earn a £3 Shell V-Power reward for every 300 litres purchases.

Download the Shell app to get started.

B&Q Club17

  • First £5 voucher when you spend £30 or more
  • Emailed vouchers for 10% off or more when you spend
  • 10% discount on key cutting in-store
  • Exclusive offers and previews
  • Discounts on Hertz van hire.

Sign up online at the B&Q website.

IKEA Family18

  • Member discounts
  • Family prices in store and online
  • IKEA Family workshops
  • Free hot drink on weekdays
  • Free 90-day ‘just-in-case’ purchase protection.

Head over to the IKEA website to join.

Avios Air Miles19

  • Collect Avios points with 1500+ partners, including Uber, M&S, British Airways, Deliveroo and AMEX.
  • Spend Avios points on flights (air miles), hotels, car hire and more.

Sign up online at the Avios website.

How to get the most out of UK loyalty schemes

To squeeze every last drop of value out of reward schemes and loyalty cards, follow these tips:

  • Double up on offers where you can - for example, use your Clubcard points to pay for a Tesco lunch meal deal.
  • Research seasonal specials (i.e. Christmas or Easter) and plan your purchases in advance
  • Always download the app - this is where you’ll find details of time-limited special offers and chance to earn bonus points.

And that’s it - our helpful round-up of the best loyalty cards and reward schemes in the UK, covering everything from lunch to shopping, fuel to travel. This should help you to save money on lots of your everyday shopping whether you live here already or are planning to move to the UK.

Remember that you can use your Wise card to pay for all of your online and in-store purchases, in the UK and 150+ countries worldwide. This clever card automatically converts your money to the local currency at the mid-market exchange rate, for only a small fee*.

You can add it to mobile wallets too.

Learn more about the Wise card 💳

For more tips on managing your money in the UK, check out our guides to the cost of living and the cost of renting in the UK.

Sources used for this article:

  1. Tesco - Clubcard
  2. Which? - Loyalty cards compared
  3. ASDA Rewards - ASDA Rewards
  4. LIDL - LIDL Plus
  5. Co-op - Co-op Membership
  6. Boots - Boots Advantage Card
  7. Superdrug - Health & Beautycard
  8. The Body Shop - Love Your Body Club
  9. Greggs - Greggs App
  10. Nando’s - Nando’s Rewards
  11. McDonald’s - MyMcDonald’s Rewards
  12. Pret- Pret Perks
  13. Caffè Nero - Caffè Nero app
  14. Costa - Costa Club
  15. Waterstones - Waterstones Plus
  16. Shell - Shell Go+
  17. B&Q - B&Q Club
  18. IKEA - IKEA Family
  19. Avios - Avios Air Miles

Sources checked on 15-04-2024.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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