💨 Abstract

Loyalty cards often manipulate spending habits, encouraging overspending to earn rewards. Experts advise choosing schemes that align with regular purchases, like Tesco Clubcard or Boots Advantage, which offer consistent savings. Some programs, like Nectar or Morrisons More, require high spending for minimal returns. Others, such as Lidl Plus, provide occasional freebies but with limited value.

Courtesy: Rosie Murray-West