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Loyalty cards and schemes are everywhere. From supermarkets to coffee shops, many of the nation’s favourite brands offer apps and cards to help customers save. To some, keeping track of different schemes sounds frustrating. But using these schemes saves you much more than you might expect.

Today, we’re diving into the best loyalty cards and money saving schemes available to help you save some extra cash. If you're after a penny saving method, these apps will help. Scroll down to learn more.