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Top 10 Best Loyalty Card Program Software of 2026

Explore the top 10 best loyalty card program software. Compare features, pros & cons – find the ideal fit for your business. Start optimizing today!

Min-ji Park

Min-ji Park

Feb 11, 2026

10 tools comparedExpert reviewed
Independent evaluation · Unbiased commentary · Updated regularly
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In competitive markets, customer retention drives business growth, making robust loyalty card program software a critical asset. With diverse tools—from e-commerce platforms to mobile solutions—selecting the right software directly impacts engagement, repeat purchases, and long-term value. The following ranked list highlights top performers, tailored to meet varied business needs.

Quick Overview

  1. 1#1: LoyaltyLion - Provides flexible, customizable loyalty and referral programs for e-commerce brands to drive repeat purchases and customer retention.
  2. 2#2: Smile.io - Offers easy-to-implement loyalty programs with points, referrals, and VIP tiers optimized for Shopify stores.
  3. 3#3: Yotpo - Delivers integrated loyalty and rewards programs alongside reviews and SMS marketing for omnichannel engagement.
  4. 4#4: Antavo - Enterprise loyalty platform enabling complex, multi-brand reward programs with advanced personalization and analytics.
  5. 5#5: Zinrelo - AI-powered loyalty management software that maximizes customer lifetime value through data-driven rewards and gamification.
  6. 6#6: Kangaroo Rewards - Shopify-focused loyalty app with digital stamps, points, and referrals for small to medium businesses.
  7. 7#7: Swell Rewards - Modern loyalty platform for e-commerce with points, rewards, and referral features across multiple channels.
  8. 8#8: TapMango - Mobile loyalty app builder for digital punch cards, rewards, and marketing campaigns for brick-and-mortar stores.
  9. 9#9: Perkville - Rewards platform for local businesses offering check-in points, challenges, and automated rewards.
  10. 10#10: FiveStars - Loyalty and marketing solution for small businesses with digital cards, payments, and customer insights.

Tools were evaluated based on key features, quality, ease of use, and overall value, ensuring a curated list of high-performing solutions that balance functionality, accessibility, and business impact.

Comparison Table

Discover a side-by-side look at prominent loyalty card program software, including LoyaltyLion, Smile.io, Yotpo, Antavo, Zinrelo, and more, that highlights core features, pricing models, and integration options. This comparison equips readers to find the tool that aligns best with their business goals and operational needs.

Provides flexible, customizable loyalty and referral programs for e-commerce brands to drive repeat purchases and customer retention.

Features
9.7/10
Ease
8.9/10
Value
9.1/10
2Smile.io logo9.3/10

Offers easy-to-implement loyalty programs with points, referrals, and VIP tiers optimized for Shopify stores.

Features
9.5/10
Ease
9.2/10
Value
8.9/10
3Yotpo logo8.7/10

Delivers integrated loyalty and rewards programs alongside reviews and SMS marketing for omnichannel engagement.

Features
9.2/10
Ease
8.4/10
Value
8.0/10
4Antavo logo9.2/10

Enterprise loyalty platform enabling complex, multi-brand reward programs with advanced personalization and analytics.

Features
9.6/10
Ease
8.1/10
Value
8.7/10
5Zinrelo logo8.1/10

AI-powered loyalty management software that maximizes customer lifetime value through data-driven rewards and gamification.

Features
8.7/10
Ease
7.8/10
Value
7.5/10

Shopify-focused loyalty app with digital stamps, points, and referrals for small to medium businesses.

Features
8.4/10
Ease
9.2/10
Value
8.5/10

Modern loyalty platform for e-commerce with points, rewards, and referral features across multiple channels.

Features
8.4/10
Ease
9.2/10
Value
8.0/10
8TapMango logo7.8/10

Mobile loyalty app builder for digital punch cards, rewards, and marketing campaigns for brick-and-mortar stores.

Features
7.5/10
Ease
8.5/10
Value
8.0/10
9Perkville logo8.5/10

Rewards platform for local businesses offering check-in points, challenges, and automated rewards.

Features
8.2/10
Ease
9.0/10
Value
8.8/10
10FiveStars logo8.1/10

Loyalty and marketing solution for small businesses with digital cards, payments, and customer insights.

Features
8.4/10
Ease
8.7/10
Value
7.6/10
1
LoyaltyLion logo

LoyaltyLion

specialized

Provides flexible, customizable loyalty and referral programs for e-commerce brands to drive repeat purchases and customer retention.

Overall Rating9.4/10
Features
9.7/10
Ease of Use
8.9/10
Value
9.1/10
Standout Feature

VIP tiering with dynamic, behavior-based progression and personalized perks for hyper-targeted loyalty experiences

LoyaltyLion is a leading e-commerce loyalty platform that enables brands to build customizable rewards programs, allowing customers to earn points through purchases, referrals, social actions, and more. It supports advanced features like VIP tiers, personalized rewards, and data-driven customer segmentation to drive retention and lifetime value. Seamlessly integrating with Shopify, BigCommerce, and other platforms, it powers loyalty for thousands of global brands with robust analytics and headless API support.

Pros

  • Highly customizable rewards engine with points, tiers, and referrals
  • Deep integrations with e-commerce platforms and marketing tools like Klaviyo
  • Advanced analytics for customer insights and program optimization

Cons

  • Premium pricing may be steep for very small businesses
  • Advanced features require some technical setup
  • Primarily optimized for online stores with limited native POS support

Best For

Mid-to-enterprise e-commerce brands aiming to create sophisticated, scalable loyalty programs that boost customer engagement and revenue.

Pricing

Starts at $199/month (Growth plan, billed annually) for up to 10k orders/month; higher tiers from $549/month, with custom Enterprise pricing; 14-day free trial.

Visit LoyaltyLionloyaltylion.com
2
Smile.io logo

Smile.io

specialized

Offers easy-to-implement loyalty programs with points, referrals, and VIP tiers optimized for Shopify stores.

Overall Rating9.3/10
Features
9.5/10
Ease of Use
9.2/10
Value
8.9/10
Standout Feature

Stamp cards that replicate physical loyalty punch cards digitally for easy mobile redemption

Smile.io is a comprehensive loyalty platform tailored for e-commerce, particularly Shopify stores, allowing businesses to build points-based rewards programs where customers earn points via purchases, referrals, reviews, and birthdays. It supports digital loyalty cards like stamp cards for punch-style rewards, VIP tiers, and redemption for discounts or freebies. The platform provides customizable widgets, member dashboards, and analytics to optimize engagement and retention.

Pros

  • Seamless Shopify integration with one-click setup
  • Diverse reward types including stamp cards and referrals
  • Advanced analytics and customer segmentation

Cons

  • Limited native support for non-Shopify platforms
  • Advanced customizations require developer help
  • Higher tiers needed for unlimited orders and premium features

Best For

Shopify-based e-commerce stores aiming to drive repeat purchases through engaging, customizable loyalty programs.

Pricing

Free (up to 200 orders/mo); Plus $59/mo; Pro $199/mo; Enterprise custom.

3
Yotpo logo

Yotpo

enterprise

Delivers integrated loyalty and rewards programs alongside reviews and SMS marketing for omnichannel engagement.

Overall Rating8.7/10
Features
9.2/10
Ease of Use
8.4/10
Value
8.0/10
Standout Feature

AI-driven personalization for VIP tiers and rewards, combined with seamless digital wallet card integration

Yotpo is an e-commerce-focused platform with a robust Loyalty & Referrals module that enables businesses to build points-based loyalty programs, VIP tiers, and referral incentives. It supports digital loyalty cards compatible with Apple Wallet and Google Wallet, allowing customers to earn, track, and redeem rewards seamlessly across online and in-store experiences. The software integrates with major platforms like Shopify and BigCommerce, enhancing retention through personalized SMS, email, and review-driven campaigns.

Pros

  • Comprehensive loyalty tools including points, tiers, and referrals integrated with reviews and UGC
  • Strong mobile wallet support for digital loyalty cards
  • Excellent e-commerce platform integrations and automation capabilities

Cons

  • Pricing can be steep for small businesses or non-e-commerce users
  • More oriented toward online stores than pure offline loyalty programs
  • Advanced customization requires technical setup

Best For

Mid-to-large e-commerce brands seeking an all-in-one loyalty solution tied to marketing and customer data.

Pricing

Starts at $199/month for Loyalty Starter (up to 500 orders/mo), scales to $599+/month for higher tiers; custom enterprise pricing available.

Visit Yotpoyotpo.com
4
Antavo logo

Antavo

enterprise

Enterprise loyalty platform enabling complex, multi-brand reward programs with advanced personalization and analytics.

Overall Rating9.2/10
Features
9.6/10
Ease of Use
8.1/10
Value
8.7/10
Standout Feature

Composable, headless loyalty platform with built-in CDP for seamless data unification and infinite customization without code.

Antavo is a leading loyalty management platform designed for enterprises to build and manage highly customizable, omnichannel loyalty programs including points, tiers, VIP experiences, gamification, and referrals. It features a headless, API-first architecture with a composable CDP for unifying customer data across online and offline touchpoints. The platform powers loyalty for global brands like Pepsi and CNN, emphasizing personalization and scalability without vendor lock-in.

Pros

  • Exceptional customization and flexibility with no-code builders and API-first design
  • Robust integrations with 200+ systems including CDPs, POS, and e-commerce platforms
  • Proven scalability for enterprise brands with advanced analytics and personalization

Cons

  • Steep learning curve for non-technical teams due to its enterprise complexity
  • Custom pricing lacks transparency and can be prohibitive for SMBs
  • Requires significant implementation time for full customization

Best For

Enterprise brands with large customer bases seeking scalable, highly personalized loyalty programs across multiple channels.

Pricing

Custom enterprise pricing; typically starts at $100K+ annually based on program scale, users, and features—contact sales for quotes.

Visit Antavoantavo.com
5
Zinrelo logo

Zinrelo

specialized

AI-powered loyalty management software that maximizes customer lifetime value through data-driven rewards and gamification.

Overall Rating8.1/10
Features
8.7/10
Ease of Use
7.8/10
Value
7.5/10
Standout Feature

Loyalty Canvas: a drag-and-drop builder for creating hyper-personalized loyalty journeys based on customer behavior

Zinrelo is a comprehensive loyalty management platform that empowers businesses to create personalized loyalty programs using points, tiers, referrals, VIP rewards, and gamification elements. It supports omnichannel engagement across e-commerce, POS, and mobile apps, with features like behavioral segmentation and predictive analytics to boost customer retention and lifetime value. The platform integrates seamlessly with major platforms such as Shopify, Magento, BigCommerce, and WooCommerce, making it suitable for scaling loyalty initiatives.

Pros

  • Highly customizable loyalty mechanics including gamification and emotional loyalty triggers
  • Strong omnichannel support with robust integrations for e-commerce and POS systems
  • Advanced analytics for customer insights and program ROI measurement

Cons

  • Pricing is quote-based and can be expensive for small businesses
  • Steep learning curve for setting up complex programs
  • Limited transparency on pricing without a demo

Best For

Mid-sized e-commerce and retail businesses needing advanced, data-driven loyalty programs to increase customer lifetime value.

Pricing

Custom quote-based pricing, typically starting at $500/month for starter plans, scaling with order volume and features (Growth and Enterprise tiers available).

Visit Zinrelozinrelo.com
6
Kangaroo Rewards logo

Kangaroo Rewards

specialized

Shopify-focused loyalty app with digital stamps, points, and referrals for small to medium businesses.

Overall Rating8.6/10
Features
8.4/10
Ease of Use
9.2/10
Value
8.5/10
Standout Feature

App-less digital stamp cards that customers access instantly via QR scan or text link

Kangaroo Rewards is a user-friendly loyalty platform tailored for small to medium-sized brick-and-mortar businesses, offering digital stamp cards, rewards programs, and customer engagement tools without requiring customers to download an app. Businesses can create customizable loyalty campaigns, collect first-party data, send targeted SMS/email messages, and redeem rewards seamlessly via QR codes or links. It integrates with popular POS systems like Square and Toast, providing analytics to track program performance and customer behavior.

Pros

  • Quick setup with no coding required
  • App-free customer experience via QR or SMS
  • Effective data collection and messaging tools

Cons

  • Limited advanced analytics compared to enterprise solutions
  • Customization options can feel basic for complex programs
  • Pricing scales quickly for multi-location businesses

Best For

Small local businesses like cafes, salons, and gyms seeking a simple, mobile-first loyalty program to boost repeat visits.

Pricing

Starts at $59/month (Starter, up to 500 customers), $119/month (Growth), $199+/month (Pro/Enterprise) with add-ons for locations and SMS.

Visit Kangaroo Rewardskangaroorewards.com
7
Swell Rewards logo

Swell Rewards

specialized

Modern loyalty platform for e-commerce with points, rewards, and referral features across multiple channels.

Overall Rating8.3/10
Features
8.4/10
Ease of Use
9.2/10
Value
8.0/10
Standout Feature

One-tap addition to Apple/Google Wallet for digital loyalty cards, eliminating app downloads and enhancing accessibility.

Swell Rewards is a user-friendly loyalty platform designed for small to medium-sized businesses, offering digital punch cards, points systems, VIP tiers, and referral programs to drive customer retention. It allows customers to add loyalty cards directly to Apple or Google Wallet without downloading an app, and includes SMS/email marketing and POS integrations like Square and Shopify. The platform emphasizes simplicity and mobile-first engagement to boost repeat visits and sales.

Pros

  • Seamless Apple/Google Wallet integration for frictionless customer experience
  • Quick setup with no-code tools and pre-built templates
  • Effective built-in messaging and referral features for engagement

Cons

  • Advanced analytics and custom reporting limited to higher tiers
  • Scalability challenges for large multi-location enterprises
  • Some integrations require paid plans

Best For

Small retail, restaurant, and service businesses seeking an easy-to-deploy digital loyalty solution without complex setup.

Pricing

Free plan for basics (1 location, limited features); Pro at $59/month per location; Premium at $199/month with advanced tools; custom Enterprise pricing.

Visit Swell Rewardsswellrewards.com
8
TapMango logo

TapMango

specialized

Mobile loyalty app builder for digital punch cards, rewards, and marketing campaigns for brick-and-mortar stores.

Overall Rating7.8/10
Features
7.5/10
Ease of Use
8.5/10
Value
8.0/10
Standout Feature

Branded 'tap-to-earn' digital stamp cards accessible via a white-label customer mobile app

TapMango is a mobile-first loyalty platform designed for small to medium-sized businesses, offering digital stamp cards, points-based rewards, and customer engagement tools to replace physical loyalty cards. It allows customers to earn stamps or points via a branded mobile app with simple taps at checkout, redeem rewards, and participate in referral programs. The software includes analytics for tracking customer behavior and segmenting audiences to boost retention and repeat visits.

Pros

  • Intuitive setup for digital stamp cards that mimic physical punch cards
  • Strong mobile app with high customer engagement rates
  • Solid analytics and customer segmentation for targeted campaigns

Cons

  • Limited integrations with advanced POS systems
  • Customization options are basic without higher-tier plans
  • Scalability issues for very large customer bases

Best For

Small retail, restaurants, and service businesses seeking a simple, affordable digital loyalty solution.

Pricing

Starts at $59/month (Basic: up to 500 customers), $99/month (Pro: up to 2,500 customers), Enterprise custom; 14-day free trial.

Visit TapMangotapmango.com
9
Perkville logo

Perkville

specialized

Rewards platform for local businesses offering check-in points, challenges, and automated rewards.

Overall Rating8.5/10
Features
8.2/10
Ease of Use
9.0/10
Value
8.8/10
Standout Feature

Automated referral rewards that incentivize customers to bring in friends, significantly boosting organic growth

Perkville is a customer loyalty and rewards platform designed for service-based businesses like gyms, spas, and salons, enabling them to create digital punch cards, points systems, and referral programs. Customers earn perks for check-ins, purchases, reviews, and social shares via a mobile app, which they can redeem for discounts or free services. The software integrates with popular POS and scheduling systems like Mindbody, helping boost retention and repeat visits with minimal setup.

Pros

  • Free plan for single locations makes it accessible for small businesses
  • Strong focus on referrals and gamified rewards drives customer engagement
  • Seamless mobile app for easy check-ins and redemptions

Cons

  • Limited advanced analytics and reporting compared to enterprise tools
  • Best suited for service industries, less flexible for e-commerce or retail
  • Pricing scales per location, which can add up for multi-site chains

Best For

Small to medium fitness, wellness, and beauty businesses wanting a simple, mobile-first loyalty program to encourage repeat visits.

Pricing

Free for one location; $99/month per additional location; custom enterprise pricing for larger operations.

Visit Perkvilleperkville.com
10
FiveStars logo

FiveStars

specialized

Loyalty and marketing solution for small businesses with digital cards, payments, and customer insights.

Overall Rating8.1/10
Features
8.4/10
Ease of Use
8.7/10
Value
7.6/10
Standout Feature

Universal rewards network allowing customers to earn and redeem points across participating local businesses

FiveStars is a customer loyalty and marketing platform designed for small to medium-sized local businesses, enabling digital loyalty programs that replace physical punch cards with mobile check-ins and rewards. It integrates with popular POS systems to track purchases, automate rewards, and send personalized marketing messages via text or email. The software also facilitates customer reviews and feedback collection to improve retention and engagement.

Pros

  • Seamless integration with major POS systems like Square and Toast
  • Mobile-first loyalty experience with easy customer check-ins via phone number
  • Robust analytics for tracking customer behavior and campaign performance

Cons

  • Pricing can be steep for very small businesses or single locations
  • Limited advanced customization for complex loyalty rules
  • Customer support response times can vary

Best For

Ideal for multi-location SMBs in retail, restaurants, and services looking to digitize loyalty programs and drive repeat visits.

Pricing

Custom pricing starting around $299/month per location, with tiers based on features and volume; contact sales for quote.

Visit FiveStarsfivestars.com

Conclusion

After evaluating a diverse range of loyalty card program software, the top tools cater to varied needs—from e-commerce optimization to local business engagement. LoyaltyLion emerges as the standout choice, offering flexible, customizable solutions that drive repeat purchases. Close contenders like Smile.io and Yotpo also excel: Smile.io for seamless Shopify integration, and Yotpo for omnichannel engagement combining rewards, reviews, and SMS.

LoyaltyLion logo
Our Top Pick
LoyaltyLion

Ready to boost customer retention? LoyaltyLion, the top-ranked option, provides the tools to build lasting connections—start exploring its features today.