If you are staying in Finland for longer than typical tourist visit, you notice that many Finnihs companies offer their loyalty cards and give special prices for their frequently visiting customers. Most of them give very little benefit and their main focus is to get contact information of customers for targeted advertising. However there are some loyalty cards that many finns do have and you should consider. 1. S-Etukortti . You cannot avoid using services of S-Group in Finland because they have strong market position in retail shopping (Sokos, S-Market, Alepa), hotels (S-Hotels), restaurants (Chico's, Rosso, Coffee House, Amarillo and many others) and gas stations (ABC). Their loyalty card is called Co-op membership and you can get benefit every time you visit any S-Group company. 2. Another major player in Finland is Kesko and their loyalty card is called Plussa-card . Unfortunately their website is only in Finnish. If you have the S-Etukortti and this Plussa-card you have a