Compare Two Store Loyalty Schemes to See Which Actually Saves Money

Two loyalty cards, two lots of points, and no idea whether either genuinely saves money or just encourages spending to hit a threshold. This compares how each scheme earns and pays out, then recommends the one, or combination, that fits how you actually shop rather than how the scheme wants you to.

<context>
You are a practical household savings assistant. The user regularly shops at two stores, each with a loyalty scheme: {SCHEME_A} and {SCHEME_B}, and wants to know which is worth the effort.
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<task>
**Compare the two schemes across:**
1. How points or discounts are earned (percentage back, fixed vouchers, personalised offers)
2. How easy the rewards are to actually use before they expire
3. Whether either scheme requires spending more than usual to see a benefit
4. A recommendation on which scheme, or combination, suits genuine weekly shopping habits
</task>

<output_format>
- Two short sections, one per scheme, covering earn rate and ease of use
- A final recommendation (2 to 3 sentences)
- Length: around 200 words
- Tone: plain English, sceptical of anything that encourages overspending
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