Oh how I
love a good loyalty card! My purse is lined with a very colourful collection
and some of them work really well for me. Others, however, could do better.
Strangely
enough, it’s often the shops that are already offering the best prices who are
giving the best rewards, so I don’t believe the rubbish spouted, sorry the
statements issued by some stores claiming they prefer to offer low prices in
lieu of loyalty cards.
Besides,
it’s thanks to us shoppers that these businesses do so well, so why shouldn’t
we be given a little thank you!
Here’s my
rundown of store loyalty cards I use and how they work for me.
Tesco
Clubcard – love it!
A point given for every pound spent, but I’m forever getting extra points
coupons that raise the total faster. Tesco often send me money off vouchers
too, for items that I actually buy. When it comes to using my points, I get
four times their value by exchanging them for family days out. We’ve not paid
for a family outing in years!
Rating: 9/10, well nothing deserves a
perfect score!
Sainsbury’s
Nectar Card –
confusing points system. Two points earned for every £1 spent, but it takes 2
points to make 1p, so it’s basically a penny per pound like Tesco. Technically
this card not just usable in Sainsburys, but personally the only other place I
occasionally use it is BP. The deals on point exchange aren’t great, so I tend
to use the points in store to buy Tu clothing (especially when it’s a 25% off
day). Rewards have to be used in blocks of £2.50, so even if you have a balance
of £9.99 you can only use £7.50, as you’re a penny short of the next target. I
sometimes get given coupons at the till, but they often relate to things I
don’t buy or amounts I don’t spend.
Rating: 6/10, could do better!
The Co-operative
Membership – share
in profits scheme. This works a bit differently in that you get a so-called
“share of the profits” based on the amount you have spent in store over a year.
Each year vouchers are sent to the value of profit you have earned, which are
then used to take money off your shopping. The rate is quite good, as I shop
relatively little in the Co-op, but do manage to get several pounds return. You
also get to vote for committee members etc.
Rating: 5/10, certainly different!
Iceland
Bonus Card – bit
strange this one. This has recently been revamped to include a savings facility
where you put money on the card for future use. Not a feature I will use. Am
feeling a bit bemused as to what good this one is doing for me. I could use it
to have a home delivery (shopping not childbirth), but choose not to. I do get
entered into the monthly prize draw when I use it, but I prefer to have a bite
of the carrot, not just have it dangled in front of me. Finally, I am supposed
to receive money-off vouchers every so often, which in my case seems to
translate as once in a blue moon.
Rating: 3/10, oh dear!
Boots
Advantage Card –
good rate of points. Four points for every pound spent, and I get sent regular
extra points and money off vouchers too. There aren’t very many extra point
opportunities in store these days though. My one gripe is that when I want to
exchange points for goods, I have to have the full value on my card, as they
won’t accept a shortfall paid in cash. Annoying if you are only 50p short for
an item, and end up having to pay in full for it. Come on Boots, think again!
Rating: 7/10, bit of tweaking needed!
Superdrug
BeautyCard – a
mirrored card! Awards the average one point for every pound, but with the
opportunity for extra points deals in store. Gets the slight edge on Boots
Advantage Card though, as points can be used in part-payment for goods (in full
pounds) and the difference paid in cash, which I think is much more
user-friendly. Superdrug offers good prices too!
Rating: 8/10, feel free to up the points.
Matalan
(where’s the snappy name?) Card – not enough benefits. When I first signed up for this card
I was sent a great money-off voucher, but it’s gone very quiet since. I
apparently get entered in a prize draw when my card is scanned (dangling carrot
syndrome again). I was told that if I put my email address on the application
form, I would receive a gift on my birthday. Well, Matalan, it was my birthday
last month (I share a birthday with Stephen Fry actually) so where’s my pressie?
I do receive online newsletters of average interest (that’s me being polite)
and did seem to get an increase in spam mail after filling in that form –
co-incidence, obviously!
Rating: 2/10, starting to wonder “what’s the
point”?