UK Reward Card and Loyalty Schemes

Details of UK rewards and loyalty card schemes. Staying loyal to a certain shop, service or credit card gives benefits such as cashback, free vouchers, money off, gifts or airmiles.

Take a look at the schemes currently on offer in the UK:

Scheme Value Details


Launched: 16th Sept 2002

Earn: Sainsbury's (2pts per £1), BP (1pt per litre), Nectar Credit Card, London Energy, Threshers, and others. Also earn while you walk with Fitbug

Nectar card Redeem: 500pts=£2.50 at rel="nofollow" and Argos. Can also be redeemed at TGI, McDonalds, Odeon, Blockbuster, DFDS, Euro Tunnel, BMI and Virgin Atlantic, amongst others.

See our dedicated Nectar page, or talk about Nectar in our Nectar forum


Tesco Clubcard


Earn: Points when you shop at Tesco instore and online. (2 points for every £1 spent). You can also earn clubcard points with energy from E.ON

Tesco ClubCard Credit CardRedeem: Vouchers mailed quarterly once balance exceeds 150pts.

Balance: Available online


Recommended: Tesco Clubcard Credit Card. Collect 1 Clubcard point for every £4 you spend on the Clubcard Credit Card (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). (More on this card)

Contact: 0800 59 16 88

WH Smiths Clubcard


Earn: 10pt for every £1 spent (minimum purchase £1)

Redeem: 500pts=£1.00 - Points can be redeemed at any time on purchases at WH Smiths.

Balance: Instore, or by contact details below. Not available online.

Details: Apply online, or fill in an in-store application form

Contact: 0870 4446444 or



What: High Street Computer Games (Was Electronics Boutique)

Earn: 10pts per £1.

Redeem: 1000pts = £2.50

Balance: Can check online.

Offers: Double points on pre-orders, and more. See Game's website


Contact: or 0870 750 2743

Boots Advantage Card


Earn: 4pts per £1 spent instore or online at

Redeem: 1pt = 1p instore

Balance: Available at Advantage Point machines in Boots stores, plus on Boots receipts. Balance not available online

Details: For details, or to apply for a card online, check out the "Advantage" section at

American Express


What: Points on all card transactions - Two schemes: Membership Rewards Essentials and Classic, but is not available with American Express Blue Cards, American Express British Airways Cards, some American Express Corporate Cards, and some American Express Credit Cards. American Express Blue offers 1% cashback on purchases.

Earn: Get 1 point for every £1 charged to card (Classic), or 1 point for every £2 charged (Essentials). Cashback on Amex Blue

Redeem: Rewards start from 500 points, and include flights and hotels.


Contact: 01273 863 863

BT Credit Card

Up to 1p off per £1.50

Earn: Up money off your BT home phone or BT Total Broadband bill.

BT Credit Card Redeem: Card is tied to your BT account, and your bill is reduced when you use the card.

See our dedicated BT Credit Card page for more details

Staples Business Rewards


Staples - for all your business needs. Staples offer their Business Rewards Scheme in store (not online at, sadly). Spend £100 a quarter, earn 2% back. 2% of spend goes towards your end-of-quarter rewards. You also get 20% back at Staples Copy & Print centres.

Contact: 0800 496 0648

Homebase Spend and Save


Scheme closed as of May 2009 - Homebase is now part of Nectar.


Got a question on Spend and Save, call: 0845 077 8888 or 0870-900 8098

Sainsburys Reward Card


Replaced by Nectar on 16 November 2002

Contact: 0800-092 1000

Barclaycard Rewards


Barclaycard Rewards closed on 28 February 2003, to be replaced by Nectar, although in August 2005, Barclaycard ceased their affiliation with Nectar.

BP Premierpoints


Scheme closed in 2002. Customers can now earn points on the Nectar Scheme.

Argos Premierpoints


Premierpoints stopped being issued from 29th July 2005, and could be redeemed up until 20th January 2006

0845-120 4350

Keep up-to-date with reward scheme details - Join our mailing list


Other reward schemes

Scheme Value Details


Earn MutualPoints by visiting site partners, clicking on links in selected email messages from MutualPoints (optional), shopping with big names via their site, or by introducing friends. This scheme represents the merger between the old MyPoints and The Mutual schemes.

Offer: Get a MutualPoints credit card. Opening an account adds 600pts to your balance, and you get 5pts for every £10 you spend.

Redeem: Vouchers for Sainsburys, Marks & Spencer, Argos, and Currys. Example: 750pts=£5 Currys voucher


High Street Max / Club Prem / Rewards Now


BewareMade a purchase from VistaPrint, Flybe or You might find that you've joined one of the reward schemes offered by a company called Adaptive Affinity.

We've had a large number of complaints from people reporting unexpected debits on their credit card statements for £9.95 or £14.95 as a result of not reading the small print, and signing up to one of these monthly schemes.

If you've been debited by such a scheme and need help cancelling or getting a refund, see our Adaptive Affinity Help and Advice page.

See our Moneysaving tips section for other handy ideas.

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