12 Best Loyalty Card Apps for Android & iOS

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Customers are encouraged by programs to shop or use the services of a business. These customers are rewarded for their loyalty. This is a marketing strategy. The customers are given a loyalty card (variously called reward card, points card, advantage card, club card, and so on), on presenting the Card, customers get a discount, or they are allotted some points for the future. Traditionally, there were magnetic cards, stamp, or punch card-based schemes. Now, an electronic equivalent is preferred, QR code. At present, several kinds of Android & iOS apps are used to store such cards & some of the best loyalty card apps are discussed in this article below.


How does Loyalty Card Apps work?

Loyalty card apps simply help you to store and use all your loyalty cards without having actually to carry them all around. 

You simply scan the barcodes/ QR codes from your loyalty cards and store them onto your app. The next time you step out and need a particular loyalty card, all you have to do is show them your code, and you’re all set! 

So relax, set back, and enjoy your loyalty benefits while the app takes care of all the hassles for you. 

Advantages of Loyalty Cards

Here are advantages of loyalty cards:

No competition regarding price with your competitors

You are always engaged in a competition with your competitor(s). In order to attract customers, you need to have a lower price than your competitor(s). By introducing loyalty programs, you don’t run the risk of losing your customers anymore. By launching a loyalty program, you give your customers a loyalty card, which helps them to get a discount or points, and by doing so, you retain your customers.

Retain existing customers

Loyal customers spend more than new ones. So, retaining loyal and existing customers is an important thing. By launching loyalty programs that prove an incentive to the existing customers, a company can retain its existing customers.

Increase Customer Lifetime Value

Customer Lifetime Value (CLV) is your relationship with customers. A loyalty program helps you to know what is the CLV for each customer. With this data, you can also make further plans and strategies.

For instance, the CLV can give you data about the behavioral patterns of your customers, and with the help of this, you can reward them at each step of the loyalty program, thereby increasing CLV.

Helps to build personal relationships

CLV provides a company with useful data that the company can use to chalk out strategies. With the help of this data, the company gets to know a lot of things about its customers’ buying patterns. The company can, then, match the requirements of its customers, which makes the customer feel valued.

Create brand advocates

Brand advocates are the customers who promote the company by referring it to their friends and family and promoting it on social media.  So, loyalty programs create brand advocates which prove to be useful.

Top 12 Best Loyalty Card Apps for Android & iOS

Having a loyalty program is very useful, but it comes to a problem which most people face. Many times, people notice that they have left their loyalty card at home, or they lose it. It is annoying because people lose out on their points and discounts.

To avoid this, people install a “Loyalty Card App” on their phones. You just have to type the number or scan your loyalty card in the app and your loyalty card is stored in the app. Then, you just have to ask the cashier to scan the barcode, and you’ll get your discount or points.

Below is a list of some of the best loyalty card apps for Android and iOS devices:


With over 45 million Stocard users worldwide, this app is compatible with IOS and Android. It helps you easily digitize all your loyalty cards, and all you have to do is scan them at the store. 

It keeps you updated with the exclusive offers and discounts that you can grab at your favorite stores. 

Stocard helps you collect and maintain reward points that you can easily redeem at the store of your choice.  

Over-all, it is one of the reliable & best loyalty card apps to store loyalty cards, shop with and save a ton of money in the process. 

Key Ring 

Key Ring is one of the most popular reward card apps out there with millions of users. 

This app makes the entire process of shopping and saving a whole lot easier. It stores all your cards in one place and lets you use them whenever you need them. 

Key Ring finds weekly advertisements, discounts, and offers the most suitable for you and suggests them, ensuring that you can take advantage of these offers at your favorite stores.

Saving money is always a shopper’s agenda, and with Key Ring, this becomes easily achievable. 

Key Ring allows you to store all of your loyalty cards on your phone. So, you no longer have to carry all the loyalty cards with you when you go out to shop. This is really handy, as it means that not only do you not have to carry tons of cards in your wallet, but you also don’t have to worry about forgetting a loyalty card and missing out on savings. It is available for IOS.

Virtual Cards – Loyalty Cards and Coupons

Virtual Card is a stress-free app that lets you sign up with a few easy steps and organize all your loyalty cards into one app, getting rid of the annoyance of having to carry around multiple cards. 

You can create shopping lists and input items you wish to buy, and the app simply provides you with a list of discounts and offers on the brands of your choice at the sellers near you. 

It also allows you to share the latest offers and your favorite stores with your friends with the help of social media networks.

Virtual Cards also help keep tabs on the sellers and merchants by allowing you to leave reviews, as well as read reviews before you make any purchase. 

You can also read – 20+ Top Notch Ways to Get Free Gas Cards (Up to $100)

Virtual Loyalty Cards Wallet (Klaus Apps)

This app helps you keep your wallet light and organizes all those pesky plastic cards into your phone with a simple scan. 

It ensures the security of your loyalty cards and requires a pin code before use. 

With fast processing and great offers, this app makes shopping much cheaper and helps save a lot of money with different offers.

Your shopping experience will be completed in a snap and will be a breeze with the help of this app. 

Pocket Loyalty Cards Wallet

 This is one of the easiest ways to store your loyalty cards into your phone. The cards remain protected with the help of passcodes.

Pocket loyalty cards will help you to show or hide your offers with a simple wipe, along with displaying your loyalty cards on the home screen or listing out your favorite offers for you. Points can be earned and redeemed in no time. 

Apple Wallet

If you are an iOS user, one of the best options for you out there in the Apple wallet. It links all your loyalty cards, credit, and debit cards as well as student ids and other data onto your phone, allowing you to access it easily at any given time.

apple watch
Source – Apple.com

Apple Wallet is also secure and ensures that your data is not misused or stolen with several security measures put in place. It is the one-stop-shop for all your payment and shopping needs, making the entire process a cakewalk. You can also use it to store rewards cards & coupons with ease.



Flok is a mobile rewards card app that also helps you to find local businesses with loyalty programs. Then, each time you visit a business, you get a punch on your digital punch card, and you can redeem your rewards whenever you want.

You can earn more rewards by checking in when you visit a business. It also has many features when you dig it in. Also, available for both Android and IOS.

Android- http://market.android.com/details?id=loyalblocks.userapp

iOS- http://itunes.apple.com/us/app/loyalblocks/id376560037?mt=8

Citi Rewards

This Card is solely beneficial for Citi credit card users, but it had to be on our list because of its amazing features. As every payment made with Citi Credit Card at retail outlets, online shopping sites, petrol stations, travel, and hotel bookings, customers earn rewards points.

They can then transfer their points to frequent flyer programs and avail exciting benefits. How cool! Isn’t it?

iOS – https://itunes.apple.com/app/citi-mobile-sm/id301724680?mt=8

Android – https://play.google.com/store/apps/details?id=com.citi.citimobile


Payback is one of the largest multi-brand loyalty card apps that allows you to access almost all the brands that you may usually use. It includes brands where you shop for your daily needs and, of course, your favorite ones. It is a must-have if you love shopping and you can save yourself a fortune.

iOS | Android

Virtual Cards

Keep all of your loyalty cards on your phone with virtual cards. It provides features where you can also see offers and promotions, get coupons, and create a shopping list. It consists of features to turn notifications on/off from your favorite about discounts and rewards. Only available for both.

iOS | Android

Five Stars

It helps the customer to earn rewards from businesses. It is available on both Android and iPhone.


The belly is a rewards app that a customer can use at participating businesses.

Also, read – 7 Best Credit Cards for College Students in 2023

Digital Loyalty Cards

Clients no longer favor using plastic cards because they are old. There are 2 means for digitizing loyalty cards: to offer it through a wallet app or integrate it into the loyalty program.

A loyalty card app’s benefits and drawbacks

A loyalty card app has the following advantages:

Customer Retention 

A loyalty card app’s primary goal is to keep customers. Rewards and incentives motivate customers to support your business.

Customer Data and Consumer Trends 

A loyalty card app collects customer information to send users to push notifications about special deals and other benefits for making purchases. Additionally, it offers information about customers’ trends, tastes, and purchasing patterns for tailored marketing.

Enhanced Cart Value 

Your store can cross-sell and up-sell products after collecting consumer data. You can provide extended warranties for bought equipment and complementary accessories, and discounts on the associated purchases are another option.

Reducing Unproductive Customers 

A well-designed loyalty card app enables client segmentation, allowing successful and unprofitable customers to be identified. It aids in directing your marketing strategy toward customers who will pay off.

Better Customer Communication 

A loyalty card app makes customer communication much more straightforward. You may announce new products, encourage sales, and provide services with direct client communication.

A loyalty card app has the following drawbacks:

Maintenance Necessary 

An efficient loyalty card software will need frequent care and maintenance, and you will need to alter and refine it according to your client’s wants. Before you settle on an effective strategy, it can take you a few tries.

Lower Profits 

There is a delicate line between your business’s profit and the client loyalty benefits you give. It’s simple to fall into the trap of providing consumers with such excellent service that you fail to make a profit.

Inconsistent Profitability 

Your profitability with the loyalty card app may vary due to the consumers’ shifting purchasing habits.

Restrictions on Loyalty Data 

A loyalty card app may provide information about a customer’s preferences, but it does not give you a complete picture of their purchasing patterns.

Usefulness Of Loyalty Cards Application

Keeping customer satisfaction is one of a loyalty card app’s key goals. Customers who use this app feel they are saving money since they receive rewards for their purchases. Customers are encouraged to shop more via consistent rewards, benefits, and bonus points. Additionally, it enhances their confidence in their purchases. Customers may choose between direct push alerts, SMS, and emails from these loyalty card apps, which cuts down on the amount of time they spend surfing. Customers can thus profit in many ways from loyalty card apps, making it essential for them. 

Factors Of Developing A Loyalty Card App

The price of developing a loyalty card app depends on many factors, as follows:

  • Complexity – An app for a loyalty card with more capabilities will cost more than a simple app.
  • Tech stack – The cost of building an app may vary depending on the technologies used.
  •  Integrations with third parties could result in third-party service fees or commissions for your loyalty card app.
  •  Development team – Several factors can affect the hourly rate of development teams—in smaller companies.


Are cash cards loyalty cards?

You can get your Pag-IBIG revenues, savings rewards, and other benefits on your Pag-IBIG Loyalty Card, which mainly serves as a cash card. It also functions as a rewards card where you can get special offers from more than 300 partner companies on things like groceries, tuition, restaurants, and more.

What do you refer to as a loyalty card?

A typical rewards program involves opening an account for a company's customer participating in the program, then issuing the customer a loyalty card, which may be paper or plastic.

What makes a loyalty card worthwhile?

A loyalty card provides more substantial rewards. The client earns points each time the card is scanned, which can be redeemed later. You can obtain the company's rewards by exchanging the earned points. Discounts, cashback deals, or other products may be available.

Summing Up

These some of the best loyalty card apps help a person to avoid the problem of forgetting his/her Card at home or elsewhere as a person always carries his/her phone, everywhere, with him/her, the Card can be stored on the phone, and this saves the person from going through the hassle of finding his Card.