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Life · Loyalty scheme check
Loyalty Scheme Reality Check
Are loyalty points worth anything? Enter your monthly spend and point value. Podge returns the real annual cash value — usually lower than you think.
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Plain-English why
Copyable takeaway
What this means
This instrument starts blank so it does not judge a made-up example before you have entered your own situation.
Formula used
Annual cash value = (monthly spend × 12 × points per £) × point value in pence ÷ 100
Worked example
Spending £150/month at a supermarket earning 1 point per £ at 0.5p per point: £1,800/year × 1 × 0.5p = 900p = £9 per year in rewards.
Common questions
Why is the value so low?
Most loyalty schemes are designed around retention, not reward. The point-to-cash conversion rate is set to appear generous while delivering minimal real value — typically 0.5–1% cashback.
Should I stop using loyalty schemes?
Only if the scheme is changing your spending behaviour. If you are spending the same amount you would have spent anyway, even a small reward is better than nothing. The problem is when you spend more to chase points.
Plain-English summary
Fill in the questions on the left to generate a verdict card.
This section translates the result into a short, direct takeaway rather than leaving the page at a bare number.
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