Evaluating Clubcard, Nectar, Asda and extra
Utilizing a loyalty card on the grocery store looks like a no brainer, however what do they really do? Discover out which grocery store loyalty schemes are value having, which of them you’ll be able to skip and which of them provide the finest worth in your spending.
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Tesco Clubcard
Purchasing together with your Clubcard will earn you one level for each £1 you spend at Tesco. Should you spend them in-store in your groceries, 100 Clubcard factors are value £1, which is the equal of getting 1% again in your procuring at Tesco.
Factors are value extra when spent by way of Reward Companions. You possibly can swap your Clubcard factors for vouchers value twice the quantity to spend on days out, cinema and theatre visits, consuming out and lots of different choices that are listed in our article on ways to spend your Clubcard points.
Aside from incomes and spending your Clubcard factors, being a member of the Tesco Clubcard scheme, means you even have entry to Clubcard costs in addition to cash off coupons within the app (these are progressively being rolled out to all clients).
In abstract, Clubcard holders get:
- 1 level per £1 spent
- Entry to cheaper costs
- Cash off coupons
- Entry to bonus occasions to earn further factors
Learn extra about saving cash at Tesco
Sainsbury’s Nectar
You’ll get one Nectar level for each £1 you spend at Sainsbury’s, with every level being value simply 0.5p, or the equal of 0.5% again in your spending. However like Tesco, you’ll additionally get entry to unique costs, generally known as Nectar costs.
Nectar card holders even have entry to personalised Nectar costs and additional factors within the app. Discover out extra about earning and spending your Nectar points.
In abstract, Nectar card holders get:
- 1 level per £1 spent
- Entry to cheaper costs
- Cash off coupons
- Entry to bonus occasions to earn further factors
Learn extra about saving cash at Sainsbury’s
Asda Rewards
As a substitute of factors, Asda rewards provides you cashback that’s paid right into a Cashpot. This Cashpot can be utilized by changing the earnings into vouchers.
To earn cash in your Cashpot, you’ll be able to both purchase Star merchandise which can pay a proportion again or a hard and fast fee; or you’ll be able to full missions, equivalent to spend £10 on laundry merchandise and get £1 in your Cashpot. Discover out extra about the Asda loyalty scheme in our evaluate.
In abstract, Asda Reward members get:
- Cashback when choose merchandise are bought
- Cashback when missions are accomplished
Learn extra about saving cash at Asda
Morrisons Extra
This loyalty scheme earns you factors on sure merchandise and ranges quite than the worth of your store. When you’ve earned 5,000 factors, you’ll be able to convert them right into a £5 voucher – this may take you a while! You possibly can learn extra about this in our evaluation of the Morrisons More scheme.
In addition to incomes factors, you even have entry to unique costs generally known as Morrisons Extra Financial savings.
In abstract, Morrisons Extra members get:
- Factors earned on choose merchandise bought
- Entry to cheaper costs
- Cash off coupons
Learn extra about saving cash at Morrisons
myWaitrose
This scheme doesn’t earn factors however as an alternative myWaitrose clients can select two personalised cash off vouchers from a number of round 5 most weeks.
Utilizing your myWaitrose card can even get you a free espresso with any buy in addition to financial savings on the meat and fish counter on choose days. You possibly can learn this text on how the myWaitrose scheme works.
In abstract, myWaitrose members get:
- Two personalised cash off coupons most weeks
- Free sizzling drink with each buy
- Entry to cheaper costs on meat and fish counters on choose days
- Further myWaitrose product gives
- Cash off dry cleansing
Learn extra about saving cash at Waitrose
Lidl Plus
Obtain and scan the app each time you store and your spending is tracked. Spend a cumulative whole of £250 in a month and also you’ll get 10% off your subsequent store in addition to different rewards at decrease thresholds equivalent to a free bakery merchandise while you attain £10.
You’ll additionally discover unique Lidl Plus coupons within the app which must be activated every week in addition to gives on chosen merchandise. You possibly can learn extra about saving money at Lidl in our abstract.
There are additionally further gives within the app, equivalent to free membership to Cinema Society, providing discounted movie tickets.
In abstract, Lidl Plus members get:
- Free merchandise or reductions depending on month-to-month spend
- Cash off coupons
- Particular gives
Learn extra about saving cash at Lidl
Get the most effective of our cash saving content material each Thursday, straight to your inbox
+ Get a £20 Quidco bonus (new members solely). More details



M&S Sparks
Obtain the M&S Sparks app and though there are not any factors to gather, you’ll get personalised gives for cash off each meals and clothes. You’ll additionally discover the occasional free present on the app and these seem with the personalised gives. You should activate the supply to say it.
There may be additionally the possibility to get your looking for free as every retailer provides away one store to somebody who scans their Sparks card each week.
There’s no free espresso with Sparks each time you store, however when you purchase six you’re going to get your seventh free.
In abstract, Sparks members get:
- Cash off coupons
- Occasional free merchandise
- The possibility to win looking for free
Learn extra about saving cash at Marks & Spencer
Co-op Membership
Co-op members get personalised gives each week within the app in addition to unique member costs on particular person objects in addition to meal offers.
Members did earn 2p for each £1 spent on Co-op branded services however this ended on 24 January. Those that have cash within the scheme can have till 31 December 2024, to spend it.
Not like different grocery store loyalty schemes that are free to affix, Co-op membership really prices £1 to affix, although you’ll get that again from the coupons comparatively quicky.
In abstract, Co-op members get:
- Cash off coupons
- Entry to cheaper costs
Iceland Bonus Card
The Iceland Bonus Card is totally different from different loyalty playing cards, within the truth it’s also a financial savings card. For each £20 you load onto the cardboard, you get £1 cashback. You possibly can view your steadiness on-line, on the app or on the backside of your receipts.
In addition to providing cashback for saving cash on the cardboard, you additionally get entry to Bonus Card costs.
In abstract, Iceland Bonus members get:
- Entry to cheaper costs
- Cashback on financial savings
- Free subsequent day supply while you spend £40 on-line or £25 in retailer
- 10% off each Tuesday for the over 60s
Learn extra about saving cash at Iceland and The Meals Warehouse
Cubicles Card
The Cubicles Card provides you 5% again while you see the piggy financial institution image, which is on hundreds of merchandise. Cashback is paid in vouchers on a quarterly foundation in increments of £5.
You additionally get entry to reductions of their cafes and a chunk of cake in your birthday while you buy a sizzling drink.
There’s additionally 10% off newspapers together with your card and immediate financial savings on chosen new merchandise.
In abstract, Cubicles Card holders get:
- 5% cashback on most merchandise
- 10% off all newspapers
- Cafe offers and reductions
Poundland Perks
The brand new loyalty app from Poundland guarantees particular gives, unique reductions, early entry to gross sales and also you’ll additionally earn loyalty factors each time you buy a Powered Up product.
Once you attain 5,000 factors, you’ll be able to redeem a £1 digital voucher for use in-store or on-line. You’ll must request your voucher by clicking the toggle in your account, which is able to seem on the fifteenth of every month. Vouchers are legitimate for 3 months, from the date of problem.
The app additionally encompasses a ‘Spin to Win’ recreation the place you will have the possibility to win a prize each Wednesday.
In abstract, Poundland Perks members get:
- Particular gives and reductions
- Factors on Powered Up merchandise
- Vouchers by redeeming factors
Loyalty card comparability desk
Loyalty scheme | Factors/cashback awarded | Factors worth | Unique costs | Unique gives | Extras |
Tesco Clubcard | 1 level per £1 | 1% at Tesco, double at reward companions | Clubcard costs | Coupons in app | Improve to Clubcard plus for 10% off procuring twice a month (charge applies) |
Sainsbury’s Nectar | 1 level per £1 Further factors out there on choose merchandise |
0.5% at Sainsbury’s and Argos | Nectar costs | Coupons in app | Accumulate and spend factors with different Nectar manufacturers |
Asda Rewards | Variable cashback on chosen merchandise | N/A | No | Coupons in app | |
Morrisons Extra | Factors collectable on chosen merchandise | 5,000 factors = £5 voucher | Morrisons Extra Financial savings | Coupons in app | |
myWaitrose | None | N/A | On counters solely, choose days | Coupons in app | Free sizzling drink with any buy |
Lidl Plus | None | N/A | No | Coupons in app with some primarily based on month-to-month spend | |
M&S Sparks | None | N/A | No | Coupons in app | Free presents plus the possibility to get your looking for free |
Co-op Member | None | N/A | Member costs | Coupons in app | Low cost on different Co-op companies |
Iceland Bonus Card | Get £1 again for each £20 you load onto your card | N/A | Bonus card costs | Free dwelling supply while you store instore or on-line | |
Cubicles Card | 5% cashback again on hundreds of merchandise | N/A | On chosen new merchandise | Offers and reductions of their cafes plus 10% off all newspapers | |
Poundland Perks | Factors on Powered Up merchandise | 5,000 factors = £1 loyalty voucher | Chosen merchandise | Early entry to gross sales and ‘Play to Win’ recreation in app |



Which grocery store has the most effective loyalty scheme?
Tesco Clubcard is presently the very best paying scheme throughout a whole store to earn your loyalty. In addition to the one level earned per £1, you additionally get personalised cash off coupons in your Clubcard app, Clubcard costs and there’s a wide range of methods to spice up your factors while you use them.
Nevertheless it’s not a cause to select Tesco over each different grocery store. You’re higher off seeing which one has the bottom costs after which benefit from any loyalty scheme advantages out there.
Benefit from a number of grocery store loyalty schemes
Should you store in several supermarkets, then it pays to be a member of a number of schemes. Gone are the times of cumbersome playing cards filling up purses and wallets, now all of the loyalty schemes talked about above other than Cubicles, are accessible by way of their apps.
So when you have a smartphone (and a few spare reminiscence), obtain all of the apps from wherever you would possibly store at, regardless of how rare.
Then you definitely’ll be capable of decide up a free espresso when you store at Waitrose, the occasional free present when you store at M&S, member costs when you store at Tesco, Sainsburys, Morrisons, Co-op or Iceland, in addition to a number of coupons and reductions on on a regular basis procuring.