The Best UK Loyalty Cards and Apps in 2026: The Complete Directory

Last Updated on 25 January 2026 by Dan Wilderness

Hello everyone! Here at the Wilderness we’re a huge fan of loyalty schemes. So long as you don’t use them to buy more than you need to, they’re often extremely rewarding for getting you some extra freebies. Today we’re looking at the Best UK Loyalty Cards and Apps out there in 2026.

Given these days you can don’t require physical loyalty cards, and can put them on a phone we’re advocates of signing up to as many as you can – even irregular usage can add up to a fair amount of saving.

If a loyalty scheme is in this list, it’s something we think is worth your phone space anyhow – we’re focused only on those schemes that offer particular benefit.

Just remember to treat loyalty cards and apps as a nice bonus – unless there’s a very particular advantage you get, they shouldn’t drive you to spend more than you need. Sometimes you need to mentally remind yourself of this!

However, if you think there’s a top UK Loyalty Card or App we’ve missed we’d love to hear from you about it, so please do drop us a line!

Best UK Supermarket Loyalty Cards and Apps in 2026

Supermarkets are great territory for loyalty cards – it’s shopping for essentials that you’re very likely to be buying anyhow, and can be relatively high value.

Most supermarkets have a loyalty card or app, but we’ve written some extended reviews of what we think are the Best UK Supermarket Loyalty Cards and Apps.

We’ve also gone into more depth about what we think is the best UK Supermarket loyalty scheme here.

Tesco Clubcard

Tesco Clubcard Review – The Tesco Clubcard loyalty card has a decent basic earnings rate, but has huge advantage when cashing in your vouchers with Tesco’s partners where they often have 2x, and sometimes up to 3x value.

You can see our in-depth review of Tesco Clubcard right here.

Lidl Plus

Lidl Plus Review – Lidl is one of the cheapest UK supermarkets to begin with, but also has an excellent loyalty card which offers additional rewards at various points of monthly spending, alongside regular vouchers on specific products.

You can see our in-depth review of Lidl Plus right here.

Asda Rewards

Asda Rewards Review – Asda have relatively recently revamped their loyalty card which offers some extremely generous rewards for purchasing specific products or specific ranges, in the form of missions and star rewards.

You can see our in-depth review of Asda Rewards right here.

MyWaitrose

MyWaitrose Review – MyWaitrose is the most personalised of the UK Loyalty Schemes, offering you some excellent discounts on specific items. It’s a little bit fiddly to use in practice though, but rewarding if you do.

You can see our in-depth review of MyWaitrose right here.

Morrisons More

Morrisons More Review – Morrisons More is the loyalty scheme from the Morrisons supermarket brand. It’s rewarding when buying in store products, and has the advantage of also giving loyalty points for fuel. It’s also relatively simple compared to other supermarket loyalty schemes.

You can see our in-depth review of Morrisons More right here.

Co-Op Membership

Co-Op Membership Review – Co-Op works a little differently to other loyalty scheme as you pay a small fee for joining, but personalised weekly vouchers tend to cover the cost very quickly.

You can see our in-depth review of Co-Op Membership right here.

Sainsbury’s Nectar Card

Nectar Card Review – The Nectar Card from Sainsbury’s is one of the most recognised loyalty cards in the UK! In the review we explore how much your points are actually worth and the best ways to get the most out of your Nectar Points.

You can see our in-depth review of the Nectar Card right here.

Best UK Restaurants and Lunch Loyalty Cards and Apps in 2026

Most UK Restaurants and Lunch loyalty schemes operate on a “stamp” basis where you get a little reward after a series of visits. If you’re an office worker visiting these pretty regularly, it makes sense to grab a card for these:

MyMcDonalds Rewards

MyMcDonald’s Rewards Loyalty Review – Initially rolled out in the US, MyMcDonalds has now come to the UK as well. You earn points for spending which can be redeemed at various tiers, and there’s regular offers that appear within the app for special promotions.

Pret Perks

Pret Perks Review – Pret Perks is a per visit loyalty scheme, which rewards you with a bonus item on a 10th visit. Given just how many office workers get their daily lunch or breakfast at Pret, it’s worth a look.

(NB: We also have an article on if the Club Pret coffee subscription is worth it here).

Greggs Rewards

Greggs Rewards Review – Greggs Rewards acts differently to other loyalty schemes as you have to pre-pay into a wallet, but then get rewarded after 9 purchases in a specific category (hot food, breakfast etc.) with a free one.

Leon Club

Leon Club Review – Leon Club is the loyalty scheme from restaurant chain Leon. 10 points are earned on each £ you spend in store, and at 3000 points can be converted into a free meal. When worked out, it’s very generous – a free dinner after every 3-4 meals or thereabouts.

Itsu Butterflies

Itsu Butterflies Review – Healthy lunch brand Itsu has a new butterflies here, where in exchange for spending £5 in store you’ll get a “butterfly stamp” – collect 8 and receive a free meal.

If you enter code 39320 when signing up you’ll get a free butterfly!

Nando’s Rewards

Nando’s Rewards Review – I think most people have a love of a cheeky Nando’s!

Nando’s Rewards is a great scheme as it rewards you pretty quickly for repeat visit and the rewards it offers are quite generous – whilst it’s not quite the fabled Black Card, it’s not a bad alternative at all.

Your Burger King

Your Burger King Review – Your Burger King is the app from the US Burger Giant. It offers a constant stream of deals alongside a points based system to get extras.

Wagamama Soul Club

Wagamama Soul Club Review – The popular Japanese restaurant has launched Soul Club. In addition to getting stamps for free sides and drinks, you can also level up to get early access to merchandise such as cookbooks or in store cooking events.

PizzaExpress Club

PizzaExpress Club Rewards Review – Whilst you can’t get club points which other offers, each visit will nab you some free dough balls and you can earn a lot of delicious rewards pretty quickly – it’s especially generous for frequent users.

(If you use our referral code of GHYXR4 you’ll also get an additional free starter when signing up!)

The Ivy Premier Rewards

Ivy Premier Rewards – The very rapidly growth spin off restaurant arm of London’s Ivy Restaurant is now found quite a few places around the UK. They have now launched an accompanying reward scheme which provides effectively a 5% cashback on dining, as well as allowing priority booking and a birthday reward.

Franco Manca Rewards Club

Franco Manca Rewards Club – Pizza oven chain Franco Manca has also now launched their own loyalty club – it’s a generous stamp based scheme where after every six visits you can get yourself a free pizza.

(And if you use our refer a friend code of E7DF95 you’ll get a free bonus stamp when you start out, as will we).

Best UK Coffee Loyalty Cards and Apps in 2026

Coffee was really one of the products that started use of the loyalty card in a big way – these very much tend to act on a stamp type basis.

Costa Coffee

Costa Coffee – Costa’s scheme is particularly beneficial. You need 10 stamps to get a free coffee and they’ll give you a bonus green stamp if you use a reusable cup, making it a free coffee with every 5 drinks.

Costa have started to add regular Treat drops to Costa Club members as well, which are random promotions with extra discounts. So far I’ve had percentage based discounts on food, coffees and seasonal items.

If you’re not a member, signing up with our link will get you 5 free stamps on your first purchase – our invite code is MPCCI.

Cafe Nero

Cafe Nero – The Cafe Nero loyalty card / app is a free drink after 10-stamps program, although in practice, Cafe Nero run fairly regular promotions which let you earn bonus stamps. You’ll also earn an extra stamp for using a reusable coffee cup. Signing up with our link will get you a free bonus welcome coffee if not a member.

It’s also worth noting that you can make additional savings at Cafe Nero in two ways:

1. If you have taken out any type of insurance or product with Compare the Market, you can use their Meercat Rewards app to get a QR code for 25% off Cafe Nero at any stage. (By the way, we’ve written a full review of Meercat Meals and Meercat Movies here)
2. You can link a MyWaitrose card to your Cafe Nero rewards app to get 25% off Cafe Nero’s seasonal menu, and get a free coffee on linkage. You can find the option to link your MyWaitrose card in the “settings” menu within the Cafe Nero App.

Starbucks Rewards

Starbucks Rewards – With Starbucks Rewards instead of getting a stamp with each coffee, you’ll earn stars depending on how many pounds you’ve spent in store – 150 of these nets you a free coffee.

Frequent customers will also unlock a Gold Tier which lets you earn additional add-ons like syrups and whipped cream for free.

RWRD

RWRD – If you like an independent coffee shop, RWRD is the app for you. Beyond helping you find good independent coffee shops, it operates a stamp scheme for many of them – just touch in and it’ll record your loyalty visits.

Best UK High Street Loyalty Cards and Apps in 2026

Unfortunately the UK High Street has become slim pickings for good loyalty schemes given how tough times have been. We’ve love to add some more schemes to this section, so please do let us know if you have one.

Boots Advantage Card

Boots Advantage Card Review – Whilst Boots isn’t the cheapest, it’s Advantage Card scheme is absurdly generous, offering a minimum effective cashback rate of 5% and offers that can improve this further.

Superdrug Health and Beauty Card

Superdrug Health and Beauty Card – Rival Superdrug also has an excellent loyalty scheme with frequent good offers and an excellent base reward rate.

IKEA Family Rewards Loyalty Scheme

IKEA Family Loyalty Review – Swedish giant IKEA have an excellent loyalty scheme which gives you access to event, discounts in store and the ability to collect points.

B and Q Club

B and Q Club – B&Q’s loyalty scheme is fairly straightforward, rewarding you with (usually) monthly vouchers which give a discount when hitting particular spends. When working on a DIY project there’s some good discounts to be had.

Waterstones Plus

Waterstones Plus – High Street bookseller Waterstones has a stamp based loyalty scheme rewarding you with a stamp for every £10 spent in store, be that on books, gifts or even in store coffee shops.

Waterstones Plus also had a student version of the card where you’ll get an additional 5% off books, well worth signing up to if you’re eligible.

Lego Insiders Programme

Lego Insiders – It’s amazing to see how Lego has gone from being a phenomenon for adults as well as children, with many fantastic elaborate sets from popular franchises that mix in the classic Lego charm.

Especially the big sets though can come to hundreds of pounds though so anything which is a saving helps. Lego Insiders will get you free gifts as well as points which can be redeemed against discounts on sets.

Anthropologie Anthroperks

Anthroperks – The general home decor and nice stuff retailer Anthropologie has introduce their own loyalty scheme. This is more of a perk based scheme given early access to sales, birthday discounts and invitations to member only events rather than providing continued discounts.

Decathalon Membership

Decathalon Membership – The French sportwear brand has a membership scheme where you earn points with each purchase that can be converted to money off vouchers.

However what I really like here is there’s a unique twist where you can connect a fitness app and if you do more than 150 minutes of sporting activity a week you’ll earn 150 bonus points each week.

MySephora

MySephora – Wilderness Reader Jo kindly pointed out the benefits of MySephora, a Tier based loyalty scheme which gives extra products as rewards with purchases that get bigger as you move up the tiers, along with £5 discount vouchers.

Best UK Travel Loyalty Cards and Apps in 2026

Again, travel isn’t a field which benefits much from loyalty owing to the nature of the product – but one of our absolutely favourite loyalty schemes can be found here so we’re featuring it!

Expedia and Hotels.Com OneKey Review

Expedia/Hotels.Com OneKey Review – Whilst not as generous as the old Hotels.com Rewards used to be, it’s still possible to get up to 6% back on hotels stays with Expedia or Hotels.com. If they’re the cheapest deal anyhow, it becomes one of the better deals in travel.

Booking.com Genius Loyalty Programme

Booking.Com Genius Programme – Booking.Com’s scheme takes an approach of providing you with additional rewards the more you make use of their properties, with common perks including discounts on stays and free breakfasts.

Virgin Atlantic Flying Club

Virgin Atlantic Flying Club Review – Whilst Virgin don’t fly as many places as some rivals from the UK, for those making regular US or Caribbean trips will find Virgin Flying Club generally sees you earn rewards quicker than Avois.

British Airways Executive Club

British Airways Executive Club – Tied to the most well known flight loyalty scheme in the UK in the form of Avios. It’s highly popular owing to it’s link to British Airways and having quite a significant number of ways to collect points.

IHG One Rewards Club

IHG One Rewards Review – Hotels giant IHG owns a huge amount of well known names with a big presence in the UK including Holiday Inn and Kimpton, and of course you can use them at many other properties when travelling internationally.

Accor Live Limitless

Accor Live Limitless Review – French Hotel Chain Accor also own a huge variety of hotels from Premium brands like Sofitel to more budget friendly options like Ibis. Their properties can be found extensively through the UK as and more widely abroad.

Best UK Fuel Loyalty Cards and Apps in 2026

If you’re not at one of the Supermarket petrol forecourts, it’s worth downloading the apps for the various other fuel providers like BP and Esso.

We’ve written a full guide here to the UK’s best fuel loyalty schemes and apps.

Best UK Parenting Discounts 2026

If you’re a recent or expectant parent I’d recommend having a look at my guide to UK shops with baby discounts.

There’s some crossover with this list, but this goes into more detail about how you can extend these loyalty schemes to unlock specific new parent deals with some of them.

Any questions?

If you have any questions about our list of the Best 2026 UK Loyalty Cards and Apps please let us know, and we really would like to hear about any we’ve missed! Just drop us a note in the comments below or via our contact us form.

And that’s it!

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