All posts
2 min readUpdated 8 September 2026

How many stamps should a card have?

Six is too few, twelve is too many, and the right answer depends on how often people already come in rather than on what the reward costs you.

A Passumo loyalty card with nine of ten stamps filled, on a brand-blue background.

The number of stamps on a card is usually picked by feel, and the feel is usually “ten, because that is what everyone does”. Ten is often right. It is right for a reason that has nothing to do with round numbers, and once you know the reason you can tell when it is wrong.

The rule underneath it

A card works when a customer can finish it before they forget about it.

That gives you an actual formula, and it uses a number you already know:

Stamps ≈ visits the customer already makes in six to eight weeks.

Six to eight weeks is roughly how long a goal stays live in someone’s head without a reminder. Longer than that and the card stops being a goal and starts being a piece of admin.

Working it through

Take the visit rate first, then multiply.

Trade Typical visits Sensible card
Coffee shop 3× a week 20–24
Bakery 1× a week 6–8
Takeaway 2× a month 4–6
Barber 1× every 4 weeks 3–4

The coffee number surprises people. A daily regular hits ten stamps in under a fortnight, which means the reward arrives before they have changed any behaviour — you have simply given a discount to someone who was already coming.

When to go shorter than the rule

Three cases, and only three:

  1. A brand-new program. A short first card buys you proof that the thing works at all. Lengthen it on the second cycle.
  2. A trade with long gaps. A barber on a six-week cycle cannot be given a ten-stamp card; that is over a year, and nobody finishes it.
  3. A seasonal push. A deliberately short card with an end date is a different instrument, and it should look like one.

What the reward should be

Not the cheapest thing you sell. The reward is the whole reason the card gets carried, and a customer who does the arithmetic on a 40p reward will stop.

The useful test: would you mention it out loud at the counter? “Tenth coffee free” passes. “5% off your eleventh visit” does not, and no sign will save it.