Loyalty Cards UK: Best Free Loyalty Schemes & Rewards Apps (2026)
Looking to get a bit extra back from your everyday shopping? You’re not alone. From supermarkets and coffee shops to clothes, beauty and fuel, UK retailers are desperate to keep you loyal — and many of them are willing to give you discounts, points or freebies in return.
This guide covers the best loyalty cards and rewards apps in the UK, checked and updated for 2026. Every scheme listed below is still running, and almost all are free to join.
I’ve got a love–hate relationship with loyalty cards. On one hand, it’s nice to get something back. On the other, these schemes aren’t charities. They exist to keep you spending more and to harvest data about what you buy.
My rule is simple:
join the free schemes, take the discounts when you’re already shopping there, and don’t let points decide where you shop.
Right now, I’ve got a handful of loyalty cards in my wallet and a worrying number of apps on my phone. Some are genuinely worth it. Others are nice-to-have at best.
Here’s the full breakdown.
Jump to section:
Best loyalty cards and rewards apps in the UK (quick comparison)
If you just want the highlights, these are the schemes that stand out.
Scheme | Category | Why it’s worth joining |
|---|---|---|
Tesco Clubcard | Supermarket | Member prices + Reward Partners can boost value |
Nectar Card | Supermarket | Spend points instantly, wide partner network |
Boots Advantage Card | Health & beauty | One of the highest point returns on the high street |
Superdrug Health & Beautycard | Health & beauty | Points + part-payment flexibility |
Greggs Rewards | Food | Genuinely good value for regulars |
Costa Coffee Club | Coffee | Free drinks, faster with reusable cup |
Caffè Nero | Coffee | Stamps never expire |
Nando’s Rewards | Restaurant | Rewards don’t reset when you redeem |
Subway Rewards | Food | Points convert to “Subway Cash” |
Burger King App | Food | Regular discounts and reward offers |
JD STATUS | Fashion | Rewards don’t reset when you redeem |
H&M Membership | Fashion | Points, vouchers and member pricing |
THE SCHUH CLUB | Fashion | Excellent for students |
IKEA Family | Home | Discounts, freebies and member prices |
Waterstones Plus | Books | £10 back for every £100 spent |
Shell Go+ | Fuel | Simple visits-based fuel rewards |
O2 Priority | Mobile | Tickets, food and cinema perks |
Everything below explains how these — and many others — actually work.
Which loyalty cards are actually worth it?
Before the long list, here’s the honest bit.
Genuinely worth joining
These are free and give real value if you already shop there:
• Tesco Clubcard
• Nectar Card
• Boots Advantage Card
• Superdrug Health & Beautycard
• Greggs Rewards
• Caffè Nero
• JD STATUS
• IKEA Family
• Waterstones Plus
Fine, but easy to overrate
Worth scanning, not chasing:
• Lidl Plus
• Morrisons More
• myWaitrose
• McDonald’s, KFC, Burger King apps
• Starbucks Rewards
Only worth it for heavy users
• Pret subscriptions
• Cinema subscriptions (Odeon / Cineworld)
Supermarket loyalty cards
This is where most people get the most value, simply because we all have to eat.
Tesco Clubcard
Tesco Clubcard gives you points and access to Clubcard Prices. You earn 1 point per £1 spent, worth 1p per point. Vouchers are issued quarterly once you hit 250 points.
Where Clubcard really shines is Reward Partners, where vouchers can be exchanged for higher value with selected brands.
Downside: vouchers expire, so don’t hoard them forever.
Best ways to spend your Tesco vouchers
Nectar Card
Nectar is linked to Sainsbury’s, Argos, eBay and other partners. You earn 1 point per £1 at Sainsbury’s and Argos, with each point worth 0.5p.
Points can be spent instantly in-store or online, and they don’t expire unless your account is inactive for a long period.
How to spend your Nectar points
Asda Rewards
Asda Rewards is app-only and works via “missions”. Complete challenges and earn cashback into an Asda Cashpot, which you can then turn into vouchers.
You must scan the app at checkout — missed scans can’t be added later.
Morrisons More
Morrisons More offers member-only prices, vouchers and personalised offers. You need to activate offers in the app before shopping.
The rewards are promotion-driven rather than automatic.
Lidl Plus
Lidl Plus isn’t a points scheme. It’s a digital coupon app offering weekly discounts, scratch cards and spend-based rewards.
Useful, but only if you remember to check it.
myWaitrose
No points here — just perks. These include free hot drinks with a purchase (bring your own cup), money off meat and fish counters on certain days, and personalised offers.
Iceland Bonus Card
Save £20 on the card and Iceland gives you £1 back. You can spend it immediately or keep saving.
Over-60s also get 10% off in-store on Tuesdays.
Co-op Membership
Costs £1 to join. You get Member Prices and weekly personalised offers.
The old “2p back per £1” reward ended — this is now purely about discounts
Find out more about the best supermarket loyalty cards.
Health & beauty loyalty cards
One of the few categories where points genuinely add up.
Boots Advantage Card
Boots gives you 3 points per £1 spent (worth 3p). It’s one of the most generous mainstream schemes left.
Students and parents get extra perks, and points events can boost returns.
Important: the paid Advantage Plus add-on has ended.
Superdrug Health & Beautycard
Earn 1 point per £1. 100 points = £1.
Unlike many schemes, Superdrug lets you part-pay with points, which makes them far more flexible.
Holland & Barrett Rewards for Life
Earn 4 points per £1, worth 4p. Rewards are issued as money-off vouchers.
Rewards are issued as money-off vouchers rather than instant spend
The Body Shop – Love Your Body Club
Earn 10 points per £1. 500 points = £5.
Worth joining if you already shop there, but not a reason to pay higher prices.
Coffee shop loyalty schemes
Coffee is one of the few areas where loyalty maths really matters.
Costa Coffee Club
Collect beans — ten beans earns a free drink. Use a reusable cup and earn rewards faster.
Caffè Nero
Collect stamps on barista-made drinks. Nine stamps earns a free drink, and stamps don’t expire.
Starbucks Rewards
Earn Stars, move through levels and unlock free drinks and birthday treats.
Pret
Pret doesn’t run a traditional UK loyalty card. Instead, it pushes subscriptions — only worth it for very frequent visitors.
Best coffee loyalty schemes comparison
Fast food and takeaway loyalty apps
Only worth using if you’re already buying the food.
Greggs Rewards
Collect stamps across different categories. Nine stamps in one category earns a free item.
One of the best fast-food schemes if you’re a regular.
McDonald’s Rewards
Earn points on every purchase via the app and redeem them for free food. Offers vary, but scanning costs nothing. More on McDonald’s Rewards.
KFC Rewards Arcade
Spend the minimum and you get a chance to win free food. No guarantees.
Burger King App
No classic points scheme, but frequent discounts and reward offers via the app.
Subway Rewards
Earn points that convert into “Subway Cash”, which can be spent on food. New users often get bonus points.
Krispy Kreme Rewards
Points per £1 spent, free doughnuts once you hit targets, plus birthday treats.
Taco Bell Rewards
You earn 10 points for every £1 spent, which can then be exchanged for free food once you hit reward thresholds.
German Doner Kebab (GDK) Rewards
You earn points on purchases, which can be redeemed for free food and money-off rewards once you reach set targets.
Mobile phone loyalty schemes
If you’re paying for a mobile contract anyway, these are free bonuses.
O2 Priority
Discounted cinema tickets, free food, Priority Tickets and early access to gigs.
Vodafone VeryMe Rewards
Weekly treats, prize draws and discounts for Vodafone customers.
Three+
Discounts at selected brands and presale access to events.
Restaurant loyalty schemes
Nando’s Rewards
Spend £7+, earn Chilli Points. Rewards improve as you earn more, and points don’t reset when you redeem.
Points expire after 12 months.
Toby Carvery App
Discounts and vouchers, including money off mains during the week. Find out how to save more at Toby Carvery.
Beefeater Reward Club
Earn points per £1 spent and redeem them for money off food, wine or celebration meals.
Bella Italia Rewards
Scan the app when you visit and you’ll unlock rewards such as money-off vouchers, free sides or discounts. The more you scan, the better the rewards tend to get.
Frankie & Benny’s App
Frankie & Benny’s doesn’t run a traditional points-based loyalty scheme, but the app regularly offers money-off deals, set menus and birthday offers.
TGI Fridays – Stripes Rewards
You earn stripes every time you dine, and as you collect more, you move through reward levels that unlock freebies such as free starters, desserts and birthday treats.
Fashion and retail loyalty schemes
JD STATUS
Free app-based scheme offering JD Cash, early access to drops and exclusive offers.
H&M Membership
Earn points, get vouchers, access member prices and usually a welcome discount.
THE SCHUH CLUB
Excellent for students — double points and £5 rewards for every 100 points.
TK Maxx & Homesense Treasure
Collect “keys” rather than points and redeem them for experiences or rewards.
Matalan Me
Discount-based rather than points-based. Early sale access, birthday treats and basket rewards.
Home, books and lifestyle
IKEA Family
Free to join. Member prices, discounts, free hot drinks and occasional freebies.
Waterstones Plus
Earn one stamp per £10 spent. Ten stamps = £10 to spend. Simple and effective.
My John Lewis
Prize draws, member events, personalised offers and occasional freebies.
Electrical & tech
Currys Perks
Free to join. Member-only discounts, giveaways and bundled freebies with tech purchases.
DIY & home improvement loyalty schemes
DIY loyalty schemes won’t earn huge rewards, but they can be worth joining if you regularly buy tools, paint or materials. Most are discount-based rather than points schemes.
B&Q Club
B&Q Club is free to join and gives you access to personalised offers, early access to deals and occasional money-off vouchers.
You don’t earn points, but new members are often sent a £5 off £30 style voucher after signing up, which is useful if you plan ahead.
Wickes TradePro
Wickes TradePro is aimed at tradespeople and requires proof of trade to join.
Members receive 10% off most purchases, along with exclusive trade pricing and offers.
Toolstation Trade Account
Toolstation doesn’t run a traditional loyalty scheme, but trade account holders can access discounted pricing and occasional promotions.
There are no points to collect — it’s purely about lower prices at the till.
Screwfix Trade Account
Screwfix also avoids points schemes, instead offering exclusive trade pricing and offers to registered trade customers.
It’s simple and effective if you already shop there regularly.
Fuel loyalty cards and apps
Shell Go+
Earn a “visit” when you spend enough on fuel or in-store. After ten visits, get fuel rewards. Ongoing discounts on food and drinks.
BPme Rewards
Earn points on fuel and shop spend. Redeem for fuel rewards, Avios or gifts.
Texaco Star Rewards
Earn points per litre and redeem for fuel or gift cards.
Cinema & entertainment loyalty schemes
Odeon Limitless
Subscription-based. Only worth it if you go regularly.
Cineworld Unlimited
Similar to Odeon — heavy users only.
Vue MyVue
Lighter-touch rewards and offers without a subscription.
Travel & hotel loyalty schemes
Avios
Earn points through flights and shopping portals and redeem them for travel.
Hilton Honors
Tier-based hotel rewards with perks for regular stays.
How to get more value from loyalty cards
Loyalty cards are just the first layer.
You can stack savings by:
• using cashback sites
• using receipt scanning apps
• activating bank-linked cashback offers
This is where loyalty cards stop being marketing fluff and start paying off.
Schemes that have ended
Some schemes you might still hear about are no longer running:
• Boots Advantage Plus
• GAME Rewards
• The Works loyalty scheme
Final word
Join free loyalty schemes.
Scan them when you’re already shopping there.
Ignore points if another shop is cheaper.
Used properly, loyalty cards can save you money. Used badly, they just make you loyal for the wrong reasons.
FAQ
Which is better: Tesco Clubcard or Nectar?
They work differently. Nectar gives instant spending and wider partners, while Clubcard can be worth more when used with Reward Partners.
Are loyalty cards worth it?
They can be — if you don’t change your shopping habits. Loyalty cards stop being worth it the moment you buy something just to earn points or rewards. Used passively, they’re free savings. Used actively, they often encourage overspending.
What are the best loyalty cards in the UK?
For most people, the best UK loyalty cards are Tesco Clubcard, Nectar, Boots Advantage Card, Superdrug Health & Beautycard, Greggs Rewards, and IKEA Family. They’re free to join and give genuine value if you already shop there.
Which loyalty card gives the most value?
It depends how you use it. Boots Advantage Card is one of the most generous for points, while Tesco Clubcard can offer higher value when vouchers are used with Reward Partners. Greggs Rewards is one of the best-value food schemes for regular users.
Do loyalty card points expire?
Some do, some don’t. Tesco Clubcard vouchers expire if not used, while Nectar points don’t expire as long as your account stays active. Many food and restaurant apps also have expiry dates on rewards, so it’s worth checking occasionally.
Is it safe to use lots of loyalty apps?
Generally yes, but you are trading data for discounts. Retailers track what you buy and how often you shop. If that bothers you, stick to the schemes that give the biggest return and ignore the rest.
What’s the difference between loyalty cards and subscription schemes?
Loyalty cards are usually free and reward repeat spending. Subscriptions (like coffee or cinema passes) charge a monthly fee and only make sense if you use them frequently. For most people, free loyalty schemes are better value.
