Supermarket loyalty cards are essential to get the best value from your weekly shop. From cashback points to members-only pricing, supermarkets use loyalty card deals to entice shoppers to return repeatedly. But do they really offer value for money? Here’s our take on the best UK supermarket loyalty cards to help you save money every week.

The Best UK Supermarket Loyalty Cards

Tesco Clubcard

Tesco’s Clubcard has been around since 1995, although it has changed quite a bit.

Benefits:

Shoppers earn 1 point for every £1 spent in-store or online.
Clubcard Prices: Members get lower prices on certain products than non-members
Boost Partners: Points can be exchanged for vouchers worth up to twice their value, which can be used for meals, days out and other treats.
Clubcard Plus: There is a premier tier for a monthly fee, which gives 10% off two big shops and 10% off other selected Tesco brands.

Drawbacks:

Expiry: Clubcard points expire after two years if you don’t redeem them.
The redemption offers could be better.

Sainsbury’s Nectar Card

The Nectar card, originally for Sainsbury customers only, is now part of a multi-brand loyalty program that includes Argos, BP, Homebase, and Ebay.

Benefits:

Points Accumulation: Earn 1 point per £1 spent at Sainsbury’s and partners.
Partner Network: Points can be earned and spent with numerous partners, including eBay, Argos, BP, Homebase and British Airways.
Personalized Offers: Weekly offers are good value
Nectar Prices: Members receive exclusive discounts on selected products.

Drawbacks:

Redemption Value: Points are typically worth 0.5p each, less than other schemes.

Asda Rewards

The ASDA Rewards scheme is a relatively new addition to the supermarket chain but offers good value. The rewards program is available on the Asda app, and you can earn points for both in-store and online purchases.

Benefits

Members earn “ASDA Pounds” when buying selected products or completing special tasks. These ASDA Pounds are accumulated in the customer’s Rewards Wallet.
Easy To Redeem: ASDA Pounds can be used for money off. Customers can redeem their rewards directly at the checkout via the app.
Bonus Missions: The scheme includes “Missions” where customers can earn additional rewards by completing tasks such as buying five fresh produce items in a week.

Drawbacks

Reward points expire in just six months if not redeemed.
The scheme excludes petrol and items purchased at petrol stations and pharmacies, as well as certain other items, such as baby formula.
There have been issues in the past where customers have had their points disappear.

Morrisons More Card

Morrisons revamped its loyalty scheme in 2021 and now offers discounts and offers for members rather than reward points.

Benefits:

Instant Discounts: Members get access to exclusive discounts and promotions.
More Card Prices: Special prices on selected items for cardholders.
Fuel Savings: Savings on fuel purchases at Morrisons petrol stations.

Drawbacks:

There is no Points System, just discounts on some products

Waitrose & Partners MyWaitrose Card

The Waitrose MyWaitrose card offers a range of discounts and perks that are worth it if you shop regularly at Waitrose.

Benefits:

Free Coffee: Free hot drinks with a minimum cost.
Personalized Discounts: Special offers based on previous purchases.
Partner Offers Special discounts with services such as Waitrose Cellar and Waitrose Florist.

Drawbacks

Limited Points System: MyWaitrose lacks a traditional points-based reward system.

Co-op Membership Card

The Co-op membership card has a dual reward system mixing personal discounts and rewards with community benefits.

Benefits:

Personal Reward: 2p for every £1 spent
Community Support: 2p for every £1 spent is donated to local community causes.
Partner Saving: Discounts on Co-op legal services, insurance, and funerals.

Drawbacks:

Points Expiry: Unused rewards expire after six months.
Limited Shops: Fewer locations compared to larger supermarket chains.