5 Loyalty Card HACKS to save Money

5 - Double/Triple Points

Number 5 is always make the most of double and triple points opportunities. Retailers often have promos where you can earn more points on specific products. At Superdrug for example, you can get triple points on own brand items if you have a health & beauty card. Other shops have ‘points days’, where you’ll earn double or triple points on everything you buy that day. I always wait to do my shopping when I know I can maximise my points!

4 - Split transactions

Tip number 4 is to split your transactions. We’re all struggling with the cost of living crisis at the moment, so don’t be afraid to split your transactions to make the most of your points. If you have a Boots advantage card, for example, your points need to cover the whole amount of your shopping if you want to use them. So, if you’re having a difficult month, split your shopping and use the points to cover as much as possible, then just pay the remaining balance.

3 - Get 100s of points for downloading the app then get bonus offers

My third top tip is to download the app. Most loyalty cards have apps now, and lots of them will give you bonus offers just for downloading them! The Nectar Card app says that on average, their customers earn 3x more points on their shopping when using the bonus offers found in the app. Or, apps often offer download offers. With the Boots Advantage Card app for example, you can get 4 points for a £1 spend when you get the app.

2 - Look for ways to earn extra points

My number 2 tip is to look for ways to earn extra points. Retailers often offer incentives for loyalty card members for all sorts of things. With Nectar Card, you can take part in surveys for extra points, or switch to Sainsbury’s Energy and earn a whopping 4,000 extra points. Tesco even offer Clubcard incentives on their phone plans - for every £1 you spend on your phone bill, you’ll earn 1 point. Some of these things are easier to do than others, and for things where you’re switching providers, it’s important to make sure it’s still a good deal that works for you, regardless of the points you’ll be getting.

1 - Boost your points value

And finally, my number one tip deal is to boost your points value. Often loyalty cards give you options for how you want to use your points, and sometimes there are ways to maximise them. Did you know that with Tesco Clubcard points, for example, you can exchange them for vouchers on holidays, train tickets, jewellery, bikes, days out and lots more. If you use them on Partner Reward Vouchers, rather than in Tesco shops, they’re worth 3 times the value - it’s a no brainer!