Selection of store loyalty cardsQ: What are the best loyalty cards out there?

A: So many companies have jumped on the bandwagon of a loyalty card system, but unless they’re used wisely, loyalty schemes are often a way for a store to encourage you to spend more money. If you’re a savvy shopper, however, you can use them to your own advantage.

Tesco Clubcard points (1 point for every £1 spent) are best saved and exchanged for Clubcard reward vouchers when each point’s value is doubled, trebled or even sometimes quadrupled. So save them up and use them for day out vouchers, restaurant vouchers or Tesco’s in-house promotions on everything from frozen goods to toys.

Nectar card points (collected at Sainsbury’s, Homebase and BP garages) are best saved up for their sales, when you can redeem a DVD or electrical item for half the usual points.

And if you’re a Boots Advantage Card holder, always make sure you visit the Extra Offer Kiosk before you buy in-store. They usually will offer you an extra points voucher which may double or triple your points. And as Boots offer four points for every £1 you spend, it’s surprising how quickly these can add up and be used to pay for your next visit.

Andrea Ventress, Money expert


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