Which loyalty cards are best?

Most of us have a wallet or purse stuffed with store loyalty cards. But are we making the most of them? Ruth Jackson examines which stores' loyalty cards give the biggest rewards, and explains how to get the best deals with the points you earn.

Most of us have a wallet or purse stuffed with store loyalty cards. But are we making the most of our loyalty points?

The price of loyalty

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Boots Advantage41p
Nectar20.5p
Tesco Clubcard2*1p
Waterstone's31p
*At present but may revert to one point per £1 in the future.
Ruth Jackson-Kirby

Ruth Jackson-Kirby is a freelance personal finance journalist with 17 years’ experience, writing about everything from savings accounts and credit cards to pensions, property and pet insurance.

Ruth started her career at MoneyWeek after graduating with an MA from the University of St Andrews, and she continues to contribute regular articles to our personal finance section. After leaving MoneyWeek she went on to become deputy editor of Moneywise before becoming a freelance journalist.

Ruth writes regularly for national publications including The Sunday Times, The Times, The Mail on Sunday and Good Housekeeping, among many other titles both online and offline.