This guide has everything you need to know about using supermarket loyalty schemes to save money on your food shop.
We’ve got the lowdown on the nine biggest UK supermarket loyalty schemes, from Tesco Clubcard and Asda Rewards to Lidl Plus.
We’ll explain how each loyalty scheme works, plus the key benefits and drawbacks of each. Whether you’re loyal to one particular supermarket or you enjoy shopping around, discover how to get the most out of your rewards.
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Sainsbury’s Nectar
500 Nectar Points = £2.50
Earn Nectar Points when you shop at Sainsbury’s and unlock exclusive member-only prices.
You’ll get one point for every £1 you spend, with each point being worth 0.5p to spend at Sainsbury's.
Sainsbury's offer shop-wide Nectar Prices which are updated weekly. You can get price reductions on a wide range of discounted products, from fruit and veg to fizzy drinks. The price of these items will be automatically reduced when you scan or apply your Nectar Card.
One thing we really love about Nectar Prices is that you can stack them with other promotions like their 25% off six bottles of wine deal.
With Your Nectar Prices, you can get access to exclusive discounts on products you buy regularly. These can be found in the Nectar app.
To access your discounts, scan your Nectar Card or app at the checkout in store, or log in to your Nectar account through the Sainsbury’s website if you’re shopping online.
How can I earn more points?
Earn more Sainsbury’s Nectar Card points by filling your car at a Sainsbury’s petrol station or spending with your Sainsbury's credit card or American Express Nectar credit card.
Another easy way to earn more Nectar points is to sign up for Nectar Canvass surveys. By completing these online surveys and other small tasks like product testing and even focus groups, you can earn bonus points to spend on future shops.
How do I spend my rewards?
You can spend your Nectar points at Sainsbury’s by scanning your Nectar Card at the checkout. Your points can also be spent at:
Tu Clothing
Habitat
Argos
Caffè Nero
Eurostar
British Airways (Avios)
Dulux Decorator Centre
Esso petrol stations
Nectar Hotels
Looking to get more value from your Nectar points? We've got an entire Nectar points guide dedicated to helping you maximise your rewards.
What are the pros and cons?
You can spend your Nectar points at a range of different retailers, including Eurostar and Caffè Nero. You can also choose to donate your points to a local or national charity.
The rate of Nectar points to money spent at Sainsbury’s only actually equates to 0.5%. So, for every £100 you spend at Sainsbury’s, you’ll only actually receive 50p in rewards. Compared to some other loyalty schemes, this doesn’t seem like a huge incentive to shop.
What does our team think of Sainsbury’s Nectar?
TopCashback staff member Gemma said:
“I use my Nectar Card regularly and I usually wait until they have bonus days and points events where they double the points you have for certain departments. I use these to purchase clothing, uniform or toys for my girls, depending on the time of year they have the event.”
Tesco Clubcard
150 Clubcard Points = £1.50
Tesco are famous for offering one of the best loyalty cards on the market.
As a Tesco Clubcard member, you can collect points to spend at Tesco or one of their reward partners.
You’ll get one point for every £1 you spend in store and online (as long as you scan your card). Once you reach 150 points, you’ll receive a £1.50 Clubcard voucher.
When you’re walking around the store or browsing online, you’ll notice that many items have yellow Clubcard Prices that are cheaper than the regular price. These are exclusively for Clubcard members, and the savings can really add up. Bottles of wine included in Tesco's 25% off six bottles deal can also be stacked with any existing Clubcard discount you see (so you could save much more than 25%).
If you’re keen to get more discounts, you can become a member of Tesco Clubcard Plus for £7.99 a month. You'll get 10% off grocery shopping in store twice a month (you get to decide when to use your discount coupons) and 10% off all F&F clothing purchases.
How can I earn more points?
As well as earning Clubcard points on your Tesco grocery shops, you can also earn one Clubcard point when you spend the following amount with these Tesco partners:
£1 at Tesco Mobile (plus Clubcard prices on Tesco Mobile SIM contracts)
Two litres of fuel at a Tesco petrol station
£3 spent on fuel at Esso-branded petrol stations with a Tesco Express shop
£4 spent with your Tesco Bank credit card
£1 spent at F&F, Tesco Café, Whoosh, Delivery Saver, Tesco Pharmacy, Tesco Photo, or Tesco Marketplace
£1 spent at Evri.com
How do I spend my rewards?
Tesco will automatically turn your points into vouchers and send them to you every three months, either by post or through your Clubcard app.
To spend your Clubcard points at Tesco, all you need to do is scan your vouchers through the checkout when you pay for your shop. If you’re ordering online for home delivery, you’ll need to register your card to your account. You can also use your Clubcard points to reduce the cost of your mobile bill if you’re a Tesco Mobile customer.
If you're budgeting for the festive season, you can save up your Clubcard vouchers throughout the year to spend on your Christmas food shop in December.
To get the most out of your reward points, consider spending them at one of Tesco’s rewards partners instead. This will maximise the value by up to double the amount. Places that accept Clubcard vouchers as payment include:
Disney+ 
Alton Towers Resort 
Thorpe Park Resort 
Hoseasons 
West Midland Safari Park 
Eden Project 
The London Dungeon 
Hotels.com 
Fitbit 
RAC 
SEA LIFE
Cineworld
Hungry Horse
Café Rouge
Railcard
Zizzi
Bella Italia
PizzaExpress
Denby
Best Western Hotels
Disney+
Alton Towers Resort
Thorpe Park Resort
Hoseasons
West Midland Safari Park
Eden Project
The London Dungeon
Hotels.com
Fitbit
RAC
National Express
Cineworld
Hungry Horse
Café Rouge
Railcard
Zizzi
Bella Italia
PizzaExpress
Denby
Best Western Hotels
What are the pros and cons?
You can spend your Clubcard vouchers at a range of retailers, increasing their value by as much as double. This means a £1.50 Tesco voucher can become £3 to spend somewhere else. Tesco also give you the option to donate your points to charity.
If you spend your vouchers in store, you won’t get as much value as you would if you spent them elsewhere.
What does our team think of Tesco Clubcard?
TopCashback staff member Lou said:
“If you shop at Tesco, you should definitely get a Clubcard. It’s free to sign up and they have lots of in-store deals exclusively for Clubcard members. I do it all on the app as well, which is easy.
Clubcard is great because your vouchers can be used to get money off your shopping, or exchanged for vouchers to spend with their partner companies, so you can save money on days out and meals out. But the biggest benefit of the Clubcard for me is that I can use it when buying petrol at Tesco.”
Morrisons More
5,000 More Points = £5
With a Morrisons More membership, you'll earn points on every item you buy in store.
Members can also enjoy instant discounts and money-off offers personalised to their shopping habits.
Morrisons have scaled back their loyalty scheme this year, removing lots of extra features like Basket Bonuses in favour of a more simplified system.
Earn five points on every single product you buy, and receive a Morrisons Fiver voucher when you get to 5,000 More Points.
Check out the My Offers section in your app to find individual product discounts. You'll also be able to unlock More Card Prices on everything from household cleaning essentials to coffee, wine and spirits. Just scan your Morrisons reward card at the checkout to access the discounted price.
How can I earn more points?
Keep an eye out for My Points Boosters, which are personalised offers that earn you extra More Points when you buy certain products. You'll also get five More points for every litre of petrol you buy at a Morrisons petrol station.
Morrisons sometimes hold More Collectors events where you can earn bonus points for spending a certain amount of money each week at Morrisons for four weeks in a row.
During the festive season, there are huge rewards up for grabs during the annual Morrisons Christmas Collectors scheme.
How do I spend my rewards?
You may need to activate the personalised offers you want to use, although some are loaded automatically (so make sure you check before you shop!).
Scan your physical card or app at the checkout, and your discounts, deals and points will be automatically applied. If you’re shopping online, make sure you’re logged in to your account so you can continue to earn and redeem rewards.
What are the pros and cons?
As well as More Prices and Fiver vouchers, your discounts are instant and you’ll get personalised offers based on your shopping habits to use in store too.
You can only use your discounts at Morrisons. Unless Morrisons is your go-to supermarket, this scheme might not have much to offer you.
What does our team think of Morrisons More?
TopCashback staff member Sophie said:
"Morrisons have made quite a few positive changes to their app and loyalty scheme, which is great. I like that they send you personalised offers. So, say if you buy certain items frequently, they’ll send you an offer for a percentage off, which you can activate instantly.
You can also earn More Points when you buy certain items (which alternate), or fuel. This is really beneficial for mounting up points for the Fiver vouchers to spend in store."
Asda Rewards
With Asda Rewards, you'll earn Pounds, not points.
Scan your Asda Rewards app at the checkout (or log in to your account online) every time you shop and complete Milestone Missions.
Missions could be anything from buying a certain number of products from a particular department or hitting certain spending targets over multiple visits. Complete your Missions and you'll be rewarded with Cashpot rewards.
How can I earn more points?
Complete as many Missions as you can in order to get a boost to your points balance. There may also be seasonal Boost events throughout the year where you can earn bonus Cashpot rewards.
How do I spend my rewards?
Any cashback rewards you earn from Missions will be added to your total Cashpot balance. You’ll then need to convert your Cashpot balance into vouchers to spend.
Sometimes Asda Rewards offer Boost vouchers, which will increase your Cashpot value by a certain percentage, so it’s worth looking out for this as well.
To make festive food shopping more affordable, shoppers can convert their Cashpot balance to Christmas rewards vouchers to spend in November or December.
What are the pros and cons?
If you enjoy the thrill of a challenge, the Asda Rewards scheme may be a fun way for you to save money.
All the language surrounding this scheme is a bit confusing. While you collect Asda pounds, rather than points, you still need to convert your pounds into vouchers, so things aren’t as simple as they may seem at first glance.
What does our team think of Asda Rewards?
TopCashback staff member Sophie said:
"Asda Rewards is good, and I’ve used it frequently. It’s not like other rewards schemes where you get money off instantly, which was a bit confusing at first. The bonuses you get all add up and then you have to transfer it (and round down to the nearest £1) for an in-store voucher. For example, I have £6.57 at the moment but I can only transfer £6 to a voucher.
I think the only downside of this scheme is that it takes a while to accumulate rewards, especially if you don’t regularly shop at Asda.”
Lidl Plus
The Lidl Plus loyalty scheme gives members exclusive discounts, coupons and even prizes each week.
They release new coupons every Thursday, so you can bag a bargain on your favourite products.
The Lidl Plus scheme also gives you the chance to unlock coupons when you reach certain spending targets. Past special offers have included getting a free in-store bakery coupon when you spend £50 in one month, as well as 10% off your entire next shop when you spend £250.
You'll also receive personalised vouchers based on your spending habits, as well as finding out next week's Middle of Lidl deals ahead of time.
When you shop with Lidl Plus, you can also unlock scratch cards, which means you could win even more freebies and discounts.
Scan your Lidl Plus card (on the app) every time you pay at the checkout. Lidl don’t offer a physical card, so you can only access this scheme if you own a smartphone.
How do I spend my rewards?
Your coupons and offers will be automatically added to your app, ready to use the next time you shop. Just activate your coupons on your app and scan your digital card at the till to use them.
While you can only spend your rewards at Lidl, they do offer some discounts with partners, including Jet2holidays and Tastecard.
What are the pros and cons?
You can switch to paperless receipts by activating digital receipts in your Lidl Plus app. Not only is this great for the environment, but it also means you’ll never lose a receipt again.
Discounts and vouchers are strictly limited to being redeemed at Lidl. They also don’t have a physical card, so you can only access discounts if you’re a smartphone user.
What does our team think of Lidl Plus?
TopCashback staff member Kim said:
“I’ve got the Lidl Plus app on my phone and I love it. It’s great because you can scan your QR code yourself at the till and you get coupons when your spend hits a certain amount throughout the month. This includes free items, money off and 10% off your next shop.
In addition to this, each time you spend more than £10 in store, you get a digital scratch card. The prizes range from free items to holidays. The app also allows you to get digital receipts, when you scan before you shop the cashier can see you’ve opted for paperless and therefore there’s no paper waste.”
Iceland Bonus
£20 savings = £1 bonus
Rather than collecting points, you can unlock cash bonuses to spend at Iceland when you load money onto your Iceland Bonus Card.
You’ll get an extra £1 for every £20 you save using your Iceland Bonus Card, which works out as 5% cashback credit.
Think of it like a savings account where you earn interest for investing your money with a particular bank. This can be saved for a time when money is tight, or for big occasions like Christmas.
In fact, Iceland shoppers can snap up a Christmas bonus when they save £100 or more on their Iceland Bonus Card before November. The 2025 Iceland Christmas bonus is £15, on top of the £5 bonus you'd earn on your regular £100 savings. That means by locking away £100, you can earn a £20 bonus to spend on your Christmas shopping.
Members also get exclusive Bonus Prices on food and household essentials. Other member perks include free home delivery on orders over £40 (or £25 in store with their home delivery service), and a 10% in-store bonus discount every Tuesday for over 60s.
This scheme can be used in store or online; you’ll just need to register your card to your account if you’re ordering online for home delivery. For more information about how to get started, check out our guide to using Iceland Bonus Card.
How do I spend my rewards?
All you need to do is let the cashier at the till know how much of your Iceland Bonus Card savings you’d like to spend and they can deduct this from your bill. You can also add and spend your savings online by adding your card to your account.
What are the pros and cons?
Saving money on your Iceland Bonus Card is a great way to help you save for big occasions, such as Christmas. On top of your cashback bonus, you’ll also get access to Bonus Prices.
You don’t collect loyalty points with Iceland Bonus and you’ll need to lock money away in order to earn cashback credit.
Co-op Membership
As a member, you’ll get rewards every time you shop with Co-op and scan your digital card at the till.
To get a Co-op Membership, you'll need to pay a one-off fee of £1. With this fee, you’re actually buying a share in the Co-op company.
You'll get exclusive member discounts on Co-op branded products and services, as well as non-branded items. These are called Member Prices. As well as this, members receive personalised offers each week based on their spending habits. Other perks include the chance to win cash prizes when you scan and spend.
© Victor De Jesus / UNP 0845 600 7737
How do I spend my rewards?
Your Member Prices and discount offers can be redeemed in person at your local Co-op or on your Co-op online orders. You may also be given discounts for other Co-op products, including their insurance, funeral care and legal services.
What are the pros and cons?
Member pricing can be more rewarding than collecting points. This is because your savings are instant, rather than adding up over time.
Co-op have recently withdrawn their charity scheme. For every 2p members previously earned through their membership rewards scheme, Co-op donated a further 2p to support community organisations and local causes.
M&S Sparks
The M&S Sparks customer loyalty scheme offers shoppers weekly treats and rewards, rather than collecting points.
Each time you scan your M&S Sparks Card, you’ll stand a chance of winning a little thank-you treat or even getting your shop for free.
They’ll also send you personalised offers based on your shopping habits, so you can enjoy money-saving deals on all your favourite products.
M&S give Sparks members a free hot drink after they've bought six hot drinks in the M&S Café. You'll also be sent a birthday treat once a year.
How do I spend my rewards?
Scan your Sparks Card at the till or log into your account when shopping online. You'll need to activate your offers in the mobile app before you make your purchase.
What are the pros and cons?
Choose which charity you’d like to support and M&S will donate 1p to them every time you scan your Sparks Card. Charity partners include Mind, British Heart Foundation, Shelter and The Black Curriculum. You can also select to spread your donations equally if you’d like to support all of the available charities.
If you’re someone who wants to know exactly what you’ll get for spending a certain amount of money with a retailer, you may find Sparks a little underwhelming. As you don’t collect points and many rewards depend on being lucky, this scheme might not feel that rewarding.
What does our team think of M&S Sparks?
TopCashback staff member Clare said:
“The Sparks Card rewards loyalty, which is great. I can get lots of benefits from using my Sparks Card, not only by getting discounts for items I buy but also through receiving lots of freebies. These have included packets of fruit, toilet rolls and Colin the Caterpillar sweets (which went down very well with my young niece).”
My Waitrose
Shoppers who are signed up for the My Waitrose customer loyalty programme will regularly receive personalised vouchers.
You can also enjoy a free hot drink every single time you shop.
All you need to do is bring a reusable cup from home for your drink, then make a purchase in store, to earn yourself a free tea or coffee from their self-serve machines. Other member-only rewards include:
20% off the cheese counter on Thursdays
20% off the fish counter on Fridays
20% off the meat counter on Saturdays
You can also get 5% off your dry cleaning and laundry services through Johnsons The Cleaners at selected stores, as well as exclusive Uber Eats and Caffè Nero offers. Members are also given free access to a range of Waitrose magazines, including their Food, Drink and Health magazines.
My Waitrose cardholders who also have a Vitality health or life insurance plan can also enjoy up to 25% cashback on Waitrose products that have the Good Health logo on them.
How do I spend my rewards?
To spend your vouchers, you’ll need to scan each voucher at the checkout when you pay for your shop or checkout online.
If you’d rather print your vouchers at home and bring them to your local store, you can do this by downloading them from your account onto your computer.
For more information about how to get the most out of your loyalty card, check out our handy guide to maximising Waitrose rewards.
What are the pros and cons?
A My Waitrose card will get you some pretty hefty discounts in store, with 20% off meat, cheese and fish.
You can only use your vouchers and discounts at Waitrose, which might be limiting for some shoppers.
Why bother with supermarket loyalty schemes?
Signing up for a supermarket loyalty scheme allows you to earn rewards when shopping for essentials. You can get rewarded for buying things you’d usually buy, at the place you’d usually buy them.
By scanning your physical or digital loyalty card every time you shop, you can collect points to get money off future food shops, or other instant vouchers and rewards. These loyalty schemes are nearly always free to join, which means you can quite literally get something for nothing.
Some supermarkets don’t require you to spend your rewards in their stores either. Many shops have a range of partners you can spend your rewards with instead.
Whether your points go towards your food shop, a new pair of shoes or a family holiday, supermarket loyalty schemes can be a fantastic way to get rewarded for your essential purchases.
And just because they’re known as loyalty schemes, this doesn’t mean you’re restricted to shopping with just one retailer. That being said, the more you shop with one supermarket, the bigger and better your rewards can become.
Supermarket loyalty FAQs
Still have burning questions? Check out these FAQs, or leave us a comment if you still can't find what you're looking for.
Why do supermarkets use loyalty cards?
When it comes to buying our groceries each week, we all have a choice as to where we go. Supermarket chains are aware that we have a choice. And with loyalty cards, UK supermarkets can reward customers for shopping with them.
Do Aldi have a loyalty card?
No, there isn't currently an Aldi loyalty card available for shoppers, as the supermarket claims to already have a core focus on providing customers with high-quality food at low prices.
Despite not having store loyalty cards, they do have Weekly Specialbuys, where specific items are discounted for a short period of time.
How do I register for a supermarket loyalty scheme?
Register for a loyalty scheme membership on the supermarket’s website or via their mobile app.
Depending on the store, you may be able to pick up a physical card if you don’t want to do things digitally. It’s worth asking a member of staff at your chosen supermarket how to go about this when you next visit your store.
Once you’ve set up your account, some retailers will send you a physical card in the post but others are purely app-based. With all the schemes we’ve mentioned in this article, you won’t need a physical card to be able to collect points in store or online, as you’ll also be able to access your card on the app.
What if I forget to scan my card?
If you forget to scan your card at the checkout, you may be able to claim your rewards retrospectively, as long as you keep the receipt. This is only a possibility for loyalty schemes where you collect points. It’s not always possible to add other types of rewards to an account after the event.
If the supermarket in question is able to add points to your account retrospectively, you’ll need to take your receipt and your loyalty card to the customer services desk at your local supermarket. A member of the team will then be able to organise adding your points to your card.
How can I store my loyalty cards on my iPhone or Android?
iPhone and Android users can add their supermarket reward cards to either their Apple Wallet or Google Wallet app. This will save you plenty of time at the checkout but if you’d rather not store your membership cards in your phone’s wallet, you can simply leave them as they are and open them through the app like normal.
What information do supermarket loyalty cards gather?
When you register for a supermarket loyalty card, you’ll be asked to provide some personal information, which includes your name, address and date of birth.
In order to best target your offers towards you, each supermarket loyalty app will collect data based on your shopping habits. This includes information about what products and brands you buy and how much you spend. They may also pass this information on to their partners.
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You do the shopping, we'll track your purchase, and then you'll get cashback in your account to withdraw to your bank or as a gift card.
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- Shop: Browse brands on our site
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Start saving money today
When shopping at any of the big supermarkets in the UK, loyalty cards can help you unlock more value.
What you'll get from each scheme will vary between supermarkets, so if one shop offers better deals than another, it could make sense to switch. With the majority of supermarket loyalty schemes being entirely free to join, it makes sense to sign up to any that you would use on a regular basis.
Keen to find more ways to save on your groceries? Check out our handy food shop guide. If you're someone who loves a tipple, we're keeping our readers up to date with all the latest supermarket beer and wine deals too.
Are you a member of any supermarket loyalty schemes? Let us know your experiences in the comments.
Tesco information should be updated to reflect the imminent changes. In case you missed it, found it here https://www.bbc.co.uk/news/business-65024091
Hi Mildred,
Thanks for your comment. We’ve updated this article to include information about the upcoming changes to the Tesco Clubcard scheme and will continue to check the validity of our information regularly.
-Becca
You say "you can also spend those points at a range of retailers and get triple the value." but you should probably note that this is reducing to double the value as of 14th June 2023
https://www.tesco.com/help/articles/16250187592089-Change-to-Tesco-Reward-Partner-scheme-from-14-June-2023
Hi there,
Thanks for your comment. We’ve updated this article to account for the upcoming changes to the Tesco Clubcard scheme. We’ll be updating this article on a regular basis as we understand these types of schemes are subject to change at any time.
-Becca
Partner rewards are soon moving (14 June 2023) to double the value (from triple the value) for Tesco Clubcard members.
Hi Jonathan,
Thanks for helping us keep our content up to date. We’ve added an explanation of the upcoming changes to the Tesco Clubcard scheme and will continue to check this article for updates on a regular basis.
-Becca
I do not use or need a mobile telephone. I shop regularly at Lidl as prices are very competitive but they will not issue a physical card to access benefits.
I only use the Sainsbury Nectar card for essentials at a store near me. Each week I receive a message stating which purchases give additional Nectar points. I try to stick to these as other Sainsbury prices are high compared with Lidl or Aldi.
Hi David,
Thanks for your comment. We have to agree that the Lidl scheme not having a physical card is a limitation but are glad to hear you are enjoying using Sainsbury’s Nectar!
-Becca
At Morrisons 5 points per litre equals 0.5 pence. So you need to purchase 1000 litres of fuel to get £5 voucher. Same with Tesco 1 point equals 1p but you only get 1 point for every 2 litres which means you need to purchase 1000 litres to get a fiver. Sainsbury's you also need to buy 1000 litres to make £5. Be careful when shopping at Morrisons as 100 points equals 10p. and you only get points for certain items. I use Morrisons to stock up on diet coke as they often drop the price by £2 per box of 30. It looks like it will take me a few years to get a £5 voucher as I don't use many of the products which make you points. Sainsbury's and Tesco are the best.