Schemes Overview

How loyalty schemes work and whether they benefit consumers. Articles explain different types of reward programmes, company motivations, and practical tips for maximising value.

Are Loyalty Schemes Really Worth it?

Loyalty schemes can save you money if you use them right, but store cards often come with high interest that makes spending more likely.

Cash Back and Voucher Reward Schemes

See how cash back and reward schemes really work, and what pitfalls to watch out for before you sign up.

Loyalty Points Schemes

Most people ignore loyalty points they've earned, but spending them can add up to real savings if you know how the schemes actually work.

Supermarket Schools Vouchers: Are They Worth It?

UK supermarket school vouchers offer minimal value, you'd need nearly 100,000 vouchers to buy a £3,000 trampoline.

The Disappearing Cashback Schemes

Cashback credit cards are rapidly disappearing as banks withdraw the popular rewards to cut costs and boost profits.

The Facts and Myths About Loyalty Schemes

Loyalty cards can boost savings if used right, but stores profit more from your shopping data than you do from discounts.

The Future of Loyalty Cards

UK retailers are rethinking loyalty cards as customer interest drops and billions in unclaimed points pile up.

Tricks to Get the Most Out of Loyalty Schemes

Make sure loyalty schemes actually save you money by maximizing points and checking offers before assuming you're getting a real deal.

What Are Loyalty Schemes?

Loyalty schemes are programs that reward regular shoppers with discounts or points, from store cards to loyalty cards that track your purchases.

Why Companies Offer Loyalty or Reward Schemes

Companies use loyalty schemes to encourage repeat business and collect valuable customer data while making money from interest and higher spending.