Guide

The eight card mechanics, and when to use which

Stamp, points, tier, subscription, cashback, discount, punch, and free-gift. A working guide to the eight loyalty card mechanics and the businesses they fit.

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HardCards editorial March 2, 2026 12 min read
guide

There are eight mechanics a loyalty card can run on. Most businesses default to stamps because they're familiar. In about a third of cases, a different mechanic would fit the business better.

Stamp cards

The default. Buy ten, get one free. Works for any business with a high-frequency, low-variance transaction — coffee, lunch, a haircut. Does not work for variable-ticket businesses like restaurants with a wide menu.

Points cards

Earn a point per dollar spent; redeem at a threshold. The right choice for any business where the ticket size varies by more than 2x. Restaurants, boutiques, spas.

Tier cards

Silver, Gold, Platinum. The right choice for businesses with a meaningful gap in value between customer segments — a gym with a VIP class list, a boutique with first-look inventory.

Subscription cards

A monthly fee unlocks benefits. The right choice when the business has high fixed costs and wants predictable revenue — a coffee shop's morning latte club, a yoga studio's unlimited pass.

Eight card mechanics. One tap to install. Build yours in five minutes.

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