Those old loyalty cards stuffed away in a drawer or long-forgotten about in our purses may be worth digging back out again or reactivating this year. That's because many of us are now desperately looking at ways to save money following the cost of living crisis.
Inflation is at its highest, a 40-year high in fact of 9% in April, and despite some help towards energy bills prices are continuing to rise across the board whether that be for the cost of food, household items, or the fuel we put in our car.
Loyalty cards are often an enticing gimmick for new customers to join or sign up to supermarket offers, deals and exclusives, and are also free. While signing up to emails and being part of that subscribers list can put some people off, it seems that many Britons are turning to the cards in the hope to save whatever they can from their budget and bills for the months ahead.
With this in mind we have compiled a list of the best loyalty cards for 2022 from various retailers, with the help of HotUKDeals. Many of the card points can be turned into money or vouchers to be used on supermarket shops, clothing, fuel, restaurants, streaming services , goods and more.
Supermarkets often claim to have the best deals when it comes to loyalty cards, and some shoppers can use the points earned off their next shop, or delivery, or even towards fuel, let's take a look.
Supermarkets
Tesco
Tesco offer their Tesco Clubcard to shoppers. More than 17 million users in the UK have a Clubcard. Consumers can use their card to collect points on food, fuel, fashion and more both in store and online.
There's also exclusive Clubcard prices, meaning that a certain product will be cheaper for members that ordinary shoppers. So using your Clubcard every time you shop in store will save you money in the long-run. Also 150 points turns into £1.50 in vouchers - for savings on shopping or with Tesco's Reward Partners.
Some of the perks include transferring your Clubcard points/vouchers to receive an extra 2,500 Virgin points, which could mean money off your next flight. Or get three months of Disney+ for £6 via Clubcard vouchers. There's also money-off on days out via Hotels.com and English Heritage.
Sainsbury's
Sainsbury's has the Nectar card which has its own app and offers shoppers points each time they purchase from store or online. Consumers can collect one point per £1 on all qualifying spends at Sainsbury's supermarkets and at sainsburys.co.uk.
They can also collect one point for every 1 litre of fuel when they fill up at Sainsbury's petrol stations - 500 points are worth £2.50 at Sainsbury's. Average customers collect 3x more points just by using the latest offers in the app.
Shoppers can spend your points in store or online, simply login to get started. Shoppers can use their Nectar points via discounts on groceries, money off other retailers like Argos and eBay, and fuel, as well as using them towards trips.
Aldi
Aldi doesn't have a loyalty card but shoppers can download the free Aldi app. The app is great for browsing the latest offers and the brand-new product ranges, and you can even shop some of your favourite collections, including Specialbuys, Wines and Spirits and Everyday Collections.
Asda
Asda is inviting customers to use their new Asda Rewards loyalty scheme in a small number of trial stores. It works by shoppers unlocking everything that Asda Rewards has to offer by scanning their in-app card every time they shop.
Shoppers will never miss out on Mission or Star Product earnings – building that all-important Cashpot. You can find out if this is available in your local store and more about it here.
Morrisons
Morrisons has a loyalty app which claims to be the new way for shoppers to enjoy rewards via their My Morrisons card. The My Morrisons Card gives shoppers instant discounts and money-off offers rather than points.
Many consumers are encouraged to use the app more than scanning in the card in store, so that rewards are immediate, including discounts and money off future shops. Shoppers can still scan their physical More card at the checkout, so Morrisons can tailor promotions, however to take part in the promotions shoppers will need to use their More App on their mobile phone or create an online account.
Lidl
Shoppers who want to get discounts at Lidl can use their Plus app for iPhone and Android to explore all of their current and upcoming offers. Consumers can get various offers like money off their monthly shops, freebies like bakery items and more.
Iceland
Iceland often has a range of discounts, party deals and event deals going on each month. The supermarket has its Bonus Card loyalty scheme, available for online orders and in store. It rewards users for saving money for their shop and gives them access to exclusive discounts.
Shoppers can also get exclusive Bonus Card prices. free home delivery in-store and online. When shoppers sign up for a Digital Bonus Card online they will not receive a physical Bonus Card. Their digital card can be used in exactly the same way as a physical card, in store and online.
Co-op
Signing up to a Co-op membership gives members personalised offers for Co-op Food to choose from every week. Shoppers can use their digital membership card in the Co-op app to scan at the till.
There's also exclusive members deals and discounts, and rewards for the shopper and the community every time they shop. There's a £1 joining fee for their membership. When consumers buy selected Co-op products and services, 2p for every £1 spent goes into their Co-op Membership account. And Co-op say they will give the same amount to support community organisations and local causes.
Marks and Spencer
Marks and Spencer food offers their customers their M&S Sparks Loyalty Card. It's free, and it's open to everyone. Shop or, shwop (placing pre-loved clothes in one of their shwop boxes) write a review to collect Sparks.
The more you collect, the more M&S will get to know you, and the more they can treat you - to offers, events and other exclusives you'll love. They also donate to a charity close to your heart every time you shop. Every £1 spent is 10 sparks points, every review written is 25 sparks and 50 sparks for every shwop re-sold. Find out more here.
Waitrose & Partners
Waitrose have their MyWaitrose membership for their loyalty card customers. Members can choose from money-saving vouchers, which are refreshed each week and shaped by the way you shop.
If you’re a myWaitrose member and you have a Vitality health or life insurance plan, you can now get up to 25% cashback on Waitrose products with the Good Health logo. Waitrose cards also offer various discounts and the more you shop, the more tailored your offers are to your tastes.
Restaurants
Similar to supermarkets, many popular restaurants and eateries in the UK also offer their customers exclusive rewards and money-off offers every time they shop. Here are a few below.
Greggs
Greggs Rewards no longer just offers free hot drinks, Greggs fans will be able to earn digital stamps and rewards across all of their Greggs favourites. Ranging from sweet treats and tasty bakes to freshly prepared sandwiches and hot drinks including freshly ground Fairtrade coffee, Greggs fans will be rewarded with the products they enjoy most frequently.
It allows Greggs fans to earn a freebie when they buy nine products from any one category – meaning the tenth will be awarded to customers for free. Customers can collect stamps for more than one category at a time, offering more choice and rewards. Find out more here.
McDonald's
McDonald's offers their customers their McCafé loyalty card and MyMcDonald's Rewards.
McCafé loyalty stamps are available to collect using the McDonald’s app. Whether you’re ordering on the app, scanning the QR code in-restaurant, or telling them your code at the Drive-thru, collecting stamps is easy. Plus, when you’ve bought five hot drinks (and collected five McCafé® loyalty stamps on their app), you can get one regular hot drink free.
MyMcDonald's Rewards is being trialled in a number of selected restaurants. You can now earn points with every order and redeem them for rewards! Download the MyMcDonald’s app to get started. Rewards include free meals and money-offer food too.
Subway
Subway Rewards is a free to sign up via online or via the app, or in store. You can use it in any store or online order, or app and get tokens for every £1 you spend. Usually you get instant points when you sign up also. The points can all add up to a free Subway, drink or meal. Find out more here.
Burger King
Burger lovers can get a free Whopper with their first purchase using Click & Collect at Burger King with a minimum spend of £3. Participating restaurants only. You can also get offers like Whopper Wednesday for £1.99 with their loyalty card. Find out more here.
Nandos
Popular chicken restaurant Nandos has a loyalty scheme where customers can earn chilli points. Customers will need to create a free account and then add their Nando's card to their wallet on their phone, tap their phone on their contactless readers in restaurants and earn a chilli on every order of £7 or more.
Chillies lead to rewards and mean free Peri-peri meals like free chicken, sides and so on. Rewards expire after one year, so use them, don't lose them.
TGI Fridays
If you eat out a lot at TGI Fridays then you make sure you save your receipts to unlock free food. Make sure you scan every time you eat or use their takeaway service.
TGI Rewards earn you 'stripes' and you can get the following: 50 Stripes - Mozzarella Dippers, Fridays® Loaded Potato Skins. 100 Stripes - Fridays® Sesame Chicken Strips Appetizer, Cheeseburger, Cobb Salad, Fridays® Vegan Burger. 150 Stripes - Fridays® Glazed Burger, Ultimate Ribs (Half Rack), Fridays® Sesame Chicken Strips with House Fries, Garlic & Chilli Veg Fajitas. 200 Stripes - Steak, Ribs & Shrimp Grill. 12oz Ribeye Steak, Ultimate Ribs (Full Rack). If you download the app for the first time, you'll also get a free dessert (with a main meal).
Papa Johns
Pizza lovers can sign in or register then order online at Papa Johns to start earning points. Get one point for every £4 you spend automatically added to your account – collect enough to redeem free food.
When choosing what to order, you’ll have the option to exchange points for that item before it is added to your basket. The more your order, the more you earn, which means the more free stuff. Eight points totals a free side or a drink, 12 points earns a free Premium side or dessert, and 25 points earns a free large pizza.
Pizza Hut
Pizza Hut offers their diners Hut Rewards. Hut Rewards is Pizza Hut Delivery loyalty reward program that allows customers to earn “Slices” and redeem the Slices for a reward.
With any qualifying online order, you can earn one slice for every £10 spent. When you have earned enough Slices for a reward you can choose to redeem them in exchange for the reward. Find out more here.
Domino's
Domino's Pizza doesn't have a loyalty card program. However they are often sharing their offers on their website here. At the time of writing, customers can dine in for £9.99 on any medium pizza for £9.99 each when you buy two or more.
KFC
Customers can get rewards and offers with the KFC app. Download the KFC app today and you'll get your hands on exclusive offers, collect rewards and even get invites to exclusive events.
There's a free snack for signing up as well as three stamps straight away when registering through the KFC app, which is enough for two hot wings. Find out more here.
Costa Coffee
Costa Coffee has a loyalty card and app which has the card on there for digital use. Customers can buy eight drinks to get one free in store - any handcrafted drink, any size.
Their loyalty scheme also offers customers free cake on their birthday, when they tell them it's their birthday on the app. You can do this by opening the app, and going to "Settings", then tap "View and edit birthday".
There's also exclusive rewards so make sure you check the app regularly for exclusive money off rewards and bonus beans.
Starbucks
Starbucks has their Starbucks card where customers can earn rewards, resulting in free drinks. Stars add up fast, you get three stars for every £1 you spend. 150 Stars equals a free drink and at 450 Stars, you've reached Gold Level. Gold members get extra shots of espresso, selected syrups and whipped cream - all on the house.
Petrol stations/fuel
Petrol station loyalty cards may be needed more than ever at the moment given the spiralling rise in fuel costs. According to the RAC, the average cost for petrol at the time of writing is 173.02 pence per litre and 182.58 pence per litre for diesel.
Below are a few schemes we've found:
BP Rewards
BP garages offer BP rewards, where customers can get £2.50 off fuel once 500 points have been redeemed. It's free to sign up here.
Earn points when you shop and fill up with fuel, and redeem your points instore for Fuel or with BP's Partners.
There's also a competition running at the moment which is giving £100 to customers every hour. Find out more here.
Texaco Star Rewards
Texaco garages have Texaco Star Rewards. As a new member, you'll receive 200 bonus points for registering and downloading the app. Once you've reached 500 points, you can choose from a range of £5 vouchers via love2shop for the likes of M&S, Currys & Argos, or money off fuel.
Buy one litre of fuel and get one point. Find out more here.
Nectar (Sainsbury's) / Esso
Whether you’re on a big family day out, or just doing the school run, you can use your Nectar points to get 5p off every litre of fuel when you swap 300 points, at Esso and Sainsbury's garages. Just have your Nectar card, key tag or Esso's app at the ready the next time you pop into a station to fill up on fuel or snacks for the road.
Shell
A New rewards programme that rewards you every time you visit. With Shell Go+ you’ll earn visits, instead of points. All you have to do is spend £10 or more on fuel or £2 or more in the shop. You'll get 10% off all hot drinks, deli2go and Jamie Oliver deli by Shell food ranges. You’ll also get money off fuel every 10 visits, and plenty of treats and surprises along the way.
Tesco
If you fill up at a Tesco petrol station, you’ll earn one point for every £2 spent. You’ll receive £1.50 worth of vouchers for every 150 points you collect. These can be spent in store, online, at petrol stations or on other rewards using Clubcard.
Shopping and fashion
A few fashion retailers also offer loyalty cards either physically or via their app for a digital way of getting rewards.
River Island
River Island doesn't have a loyalty scheme as such but shoppers can use their Nectar points at River Island. It's also worth keeping an eye out on their offers page too.
H&M
Fans of H&M can collect points on every purchase: £1 = one point and can get 10% off when they join and spend £20. There's also bonus vouchers where shoppers will receive £3 off for every 100 points they collect.
Their loyalty scheme also includes free click and collect for orders over £20, free standard delivery when shoppers spend £20 or more, exclusive discounts and early access to selected collections, digital receipts, and 25% off favourite items on customer's birthdays.
Nike
Nike Membership gives shoppers access to inspiration, community, and exclusive Nike products. It's the best way to access everything Nike and it's free, fast, and easy to join. You can join online or when you download any of the Nike apps. There's also free delivery for Nike Members, when you sign up/log in.
adidas
The the adidas Creators Club, is a loyalty program where members can earn points to level up and unlock exclusive rewards, special offers, events and more. You'll get free delivery, when you sign up.
And with adiClub, you get rewarded for getting involved, finding your style and achieving your fitness goals. That’s why whenever you train, shop or review, you earn points that unlock new levels and rewards. Explore all the ways you can earn points, and all the benefits they unlock below here.
Matalan
Download the Matalan App to access your digital Reward Card and start earning your perks. Plus, you can use the App to shop anywhere, any time, save your favourite items to your wish list and pay securely with Apple Pay. Includes Birthday treats.
TK Maxx
Collect one shopping key when you shop online or in-store at TK Maxx or Homesense. Get up to three a day – one from each place. Collect five keys and at least three need to be shopping keys. Once you’ve got them all, choose from their fabulous rewards. Find out more here.
B&Q
DIY retailer, B&Q has the B&Q club. As a Club member, customers can enjoy rewards every time they shop - helping to create a home they love .Register to receive offers, rewards and benefits by email and B&Q will send you your first voucher giving you £5 off when you spend £30 or more.
Other perks include: exclusive offers and previews, B&Q club discount key cutting, 10% discount on key cutting in store, van rental discount, and £10 off a two hour Hertz van rental. Sign up for free here.
John Lewis & Partners
Enjoy members-only offers, vouchers, exclusive events and more when you join My John Lewis. There are no points to count, simply sign up and start shopping with us to be rewarded. They treat you to £5 off your next beauty purchase in their shops when you recycle five empty beauty products too.
Pets at Home
Pets at Home has the VIP Club. The Pets at Home loyalty program is a VIP members club for registered members. Being a member gives you exclusive offers that non-members don’t receive.
Get 10% off online, then 10% off in store, too. Enjoy tailored offers, news and tips. Plus, every swipe of your VIP card helps animals in need near you. Find out more here.
Health and beauty
Popular retailers like Boots and Superdrug have their own loyalty programmes which are a favourite among consumers, scroll down to find out more and to see other offers from other retailers.
Boots
Sign up to the Boots Advantage Card through the Boots app to get access to your digital card instantly. And the best part? You’ll receive all these benefits: Collect four points for every £1 you spend to treat yourself to the things you love. Receive personalised offers through the Boots app.
Shoppers can also get their Health and Beauty magazine for free, join the Parenting Club, Over 60s Rewards, Boots X and Student Discounts. Find out more here.
Superdrug
Every Thursday Superdrug offers exclusive member discounts on a different brand, product category or points offer with their loyalty card and programme.
On the day of shoppers' birthdays, they will get an exclusive treat. Other perks include exclusive lower prices for selected products both in store and online, free delivery on orders over £15, and online-only offers.
The Body Shop
The Body Shop has Club members, and their offers range from double points on every purchase made which can lead to £25 vouchers or more. New customers can also get 15% off their first purchase when they sign up.
Mobile
If you're changing network provider or are in need of a new SIM or contract then it might be worth checking out their offers below before you sign up and commit.
O2 Priority
Priority is O2's way of saying thanks. It's exclusive to O2 customers and brings you great offers from high street brands, tickets and experiences, as well as access to the best in entertainment.
Get gig tickets earlyRelax. You can get Priority Tickets to thousands of gigs and events across the UK, up to 48 hours before general sale. Download the app - get the free app for quick and easy access to Priority whenever you like. Other perks include free coffee, cinema tickets and more.
Three
Download Three's customer loyalty app for exclusive offers from brands you love, like Cineworld, Uber Eats, and many more. Plus, get presale tickets to the UK's biggest festivals. Some of their offers include:
- Cineworld - Enjoy a £3 adult ticket every weekend.
- Frankie & Benny's - Tuck in to 2 mains for £10.
- Uber Eats - Get 20% off Uber Eats orders.
Find out more here.
Vodafone Very Me
VeryMe Rewards is designed around you, with weekly treats, great giveaways and amazing prize draws that change to match your interests. Whether you're on the go, catching up with friends or taking it easy at home, we've got stacks of rewards for you to enjoy.
From two weekly Vue tickets for £7 to free tasty treats to perk up your day, get ready for a whole new world of rewards.
