Supermarket loyalty cards: who offers them and how much can you save?

Chinese customer handing cashier credit card in grocery store

Snapping up supermarket loyalty cards and apps saves missing out on deals, discounts and freebies. Most cards are free, so it’s worth signing up to all of them in case you pop into a different supermarket.

The cost of living crisis has meant many of us have been switching our shopping habits to save money on our food bills

Supermarket loyalty cards can be your secret weapon to unlocking bonus offers and discounts at the till. And with some, you can also make your money go further with vouchers and by cashing in on freebies.

Even if you’re not a regular Tesco or Sainsbury’s shopper, it can be worth signing up for their loyalty cards. Having one can mean you pay less, even if you just pop in for a couple of essentials on your way home.  

We’ve checked out all the major supermarket loyalty cards to help you get the most from every pound. Here’s a summary of how they stack up.

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What supermarket loyalty cards can I get?

Supermarket What do you get? Typical offers
Lidl Plus Rewards, cash discounts and free food £50 spend means free bakery item, £250 in a month means 10% off next shop
Iceland Bonus 5% boost on cash put on card 10% off for over 60’s every Tuesday. Flash deals and discounts
Morrisons More 5,000 points = £5 Earn points by buying certain items. Special offers like basket bonus
Tesco Clubcard 1 point per £1 spent in store/online 1 point per 2 litres fuel 150 points - £1.50. Clubcard vouchers can be used at the till or double in value when swapping for treats/days out
Asda Rewards Typical 10% savings on certain items Chance to boost your savings with Christmas cashpot
Sainsbury’s Nectar 1 point per £1. 1 point per litre fuel 500 points = £2.50. Can be used to pay for shopping or spent on sites like Argos/eBay
Co-op Membership 2p back for every £1 spent Special member prices deals
MyWaitrose Savings of around 20 – 25% on certain items Offers also include 20% off meat and fish counter on certain days and free coffee
M&S Sparks Personalised offers, chance to win weekly treats which range from sweets to candles Buy six hot drinks in store and get seventh free, plus every week one M&S Sparks shopper gets their shopping for free. Some customers may get Birthday offers too.

Best for savings

Lidl | Lidl Plus

Lidl Supermarket

With this one, you don’t get a plastic card, as you need to download the free Lidl Plus app.

This loyalty scheme is about reward coupons, cash discounts and free food, depending on how much you spend in store.  

Every Thursday, a new selection of coupons pop up and shoppers get personalised rewards based on spending habits.  

If you spend £50 a month, you get a free bakery coupon. There are also  free product coupons when you hit the £100 and £150 monthly milestones. Meanwhile, spending £250 in a month means you get 10% off your next shop.

The average weekly food shop now costs £103, 18% higher than a year ago. This means regular shoppers may well easily exceed the £250 monthly target.

Our verdict

Regular Lidl shoppers could potentially bank bigger savings than other supermarket loyalty cards. That’s thanks to the free product coupons and a 10% saving on a shop if you hit the £250 monthly target.

Best for budgeting

Iceland | Iceland Bonus Card

Iceland frozen foods Supermarket loyalty card

Iceland is still dishing out a physical savings card for you to put money on and use in store. You can top up online, in store or via an app.

With the Iceland scheme you get a cash bonus towards your shopping.

Iceland will give you £1 for every £20 you put on your Bonus card, which is a 5% boost. This can be a simple way to budget for your weekly shop or save for holiday periods. It works across Iceland and Food Warehouse and it can get you access to special ‘Bonus Card’ offers.

Special offers also include 10% off for over 60s every Tuesday with no minimum spend. Show your bonus card to get the discount along with a bus pass, senior railcard or driving licence.

Other short term promotions include the chance to pick up a free pizza, fish fingers or potato wedges if you spend £20 in store and scan your bonus card.

You can also get free delivery for in store orders over £25 and online orders over £40. 

Our verdict

If you shop at Iceland regularly, its bonus card is a great way to boost the power of your pound. Sticking £20 on your card before shopping can earn you a 5% bonus.

Supermarket loyalty cards: the best of the rest

Morrisons | Morrisons More

Morrisons

Morrisons More is a free scheme and is available as both a physical card and an app.

With the Morrisons More scheme you earn points when buying selected items. And once you reach 5,000 points, you can convert points into £5 vouchers. These can be used in store or online.   

Items that earn points range from basic staples to seasonal items. And eating in the cafe can boost your points, too.

Right now, you can earn 100 More points buying a 4-pack of baking potatoes, 500 points when you buy four frozen items and up to 1,000 points when spending £10 on flowers.

If you scan your card or app, you’ll also get personalised offers and coupons based on your past shopping habits. There’s the chance of a ‘basket bonus’ when you shop and scan your card. This ranges from money off your next shop to free treats.

Our verdict

It’s hard to work out how much you can save with Morrisons More. It depends on how often you buy the items tied in with the scheme.

But it is definitely worth signing up for if you’re a regular Morrisons shopper.  

Tesco | Tesco Clubcard

Tesco Supermarket Clubcard

Tesco launched its Clubcard scheme back in 1995.

With the Tesco Clubcard scheme, you can earn one point for every pound you spend in store or online with Tesco. And if you fill up your car with petrol at Tesco, you get one point for every two litres of fuel. Filling up at Esso fuel stations that have a Tesco Express on site will earn you one point for every £3 spent on fuel.

You also get one point for every £4 spent on Tesco Bank credit cards and one point for every £1 with Tesco Mobile. 

You can also get extra points by using the code on the back of your receipt and filling out a survey at tescoviews.com 

Points are transformed into pence. Once you reach 150 points, you can ask for points to be turned into Clubcard vouchers, via the website or the Clubcard app. 150 points means £1.50 to spend at the till, both in store and online. 

But if you want to get more bang for your buck, you can swap your Clubcard vouchers for treats or days out with over 100 partner brands.  Doing this means you can double the value of your points so every £5 in  Clubcard vouchers means £10 to spend. You can trade your Clubcard vouchers through the Tesco site for treats and days out including Pizza Express, Hotels.com, Butlins and Blackpool Pleasure Beach along with cinema and theatre tickets.

As well as earning points, scanning your Clubcard at the till will get you discounts on more than 8,000 products with Clubcard Prices, which saves the average customer over £350 a year, according to Tesco.

We took a look at some of the current deals and while with some you may save around 50p a time on some products, with others savings can be much more. We found savings of around 50p on some fruit, vegetable and meat products, but a saving of £6 on a bottle of Bell’s Whiskey and £2.25 on a pack of breaded fish.

Our verdict

Don’t rely on Tesco Clubcard points for big savings; you need to spend £100 to get the equivalent of £1 in points. The big bonus with Tesco Clubcard is access to regular discounts and trading your points for double their value on treats. This can mean significant savings on days out or gifts. And you also have the option to cash them in at face value at the till.

Asda | Asda Rewards

Asda

You need to download the app or sign up on the Asda website to get started.

Asda Rewards is all about building up cash savings in your ‘cashpot’ to use on future shops. 

You can do this by buying certain Star products. There are typically around 400 of these products. And usually around 10% of the price goes into your ‘cashpot’ to spend on future shops.  

You can also boost your Christmas savings by transferring money from your cashpot to your Christmas Saver Cashpot. You can do this as many times as you want, up to a maximum amount of £300 in total.   

Our verdict

It’s easy to see what you’ve got in your cashpot and convert the cash into savings for your next shop.

Sainsbury’s | Sainsbury’s Nectar Card

Sainsbury's

The Nectar loyalty scheme is about earning points on purchases. 

Every pound spent with Sainsbury’s earns you one point. And you’ll get one point for every litre of fuel when filling up at Sainsbury’s pumps. Every 500 points equates to £2.50 to spend at Sainsbury’s or one of its ‘spend’ partners. These include Argos, eBay, British Airways, Eurostar and Esso.

You can spend points at the supermarket by tapping your Nectar card. But you need to have shopped there within the last year and used your Nectar card. So you can’t cash in points in a Sainsbury’s branch you’ve never used unless you want to shop there and then wait 24 hours before redeeming points.

Sainsbury’s has introduced a Nectar Prices scheme, giving cardholders all-year-round discounts on hundreds of items in a bid to compete with Tesco’s Clubcard. These are flagged up with purple Nectar Prices labels in store and online.

By scanning your Nectar card at the till or online you can get special discounts. For example, right now you can get Fairy Platinum Plus all-in-one lemon dishwasher tablets (42) for £9 instead of £12.

Our verdict

Every £100 spent earns you just 50p. Regular Sainsbury’s shoppers can take advantage of personalised offers through its app, and there are regular savings on everyday products by scanning your card at the till.

Co-op | Co-op Membership card

Co-Op

Unlike other supermarket loyalty schemes, you need to pay for a card with the Co-op, which costs £1. 

With Co-op you can earn cash back on your shopping.  You can earn 2p for every £1 spent on selected Co-op products. Cash earned goes straight to your Co-op account and the store matches this with a donation to local community projects.

You can only earn on certain Co-op products. But when it comes to spending them, you can pay for most products on the shelves.  

Membership at Co-op also entitles you to the ‘member prices’ scheme where you pay less for certain items. Right now, deals include its steak and fries offer. You can buy two ranch steaks (300g) and skinny fries (250g) for £4.50, instead of £8.85.  

Co-op members can also get discounts on other Co-op services, including insurance and legal services.

Our verdict

You need to spend £50 (on selected products) to earn the points to cover the £1 spent on your Co-op membership card.

Earning £2 for every £100 spent sounds good. But unlike other loyalty schemes, you only get points when you buy selected products. And the downside is, it costs £1 to join.  

This may be a small price to pay if you shop at a Co-op regularly. But it doesn’t have the same range of deals, freebies and cash bonus offers compared to the likes of Lidl, Asda, Tesco or Sainsbury’s.

Waitrose | My Waitrose

Waitrose

You can sign up for a myWaitrose card for free to get personalised vouchers, offers and discounts. 

This loyalty scheme enables customers to get discounts of up to 25% on shopping.

You can get 20% off selected fish at the fresh fish counter on Fridays and 20% off selected meat on Saturdays. Cardholders get a free hot drink when they bring a reusable cup and buy something in store.

You can check special prices available to myWaitrose customers in store and online. Discounts are typically 20 – 25% and on a range of items, including coffee, cheese, biscuits and toiletries. This includes brands and Waitrose own products.

The myWaitrose card is digital and can be accessed through the website and the app. However, there is the option to apply for a physical card if you want one. This can take up to two weeks.

Our verdict

You don’t earn points with this one. And when we looked at the special offer prices for myWaitrose customers, these did seem to be predominantly on brands.

It’s worth joining, even if just for the free coffee if you’re shopping there. But it’s not as generous as some of the other schemes.

Marks & Spencer | Sparks card

M&S Supermarket

Sparks is the M&S reward scheme. It’s free to join, just download the app or go on the M&S website. You can use the card in store, online or via the app.

The M&S reward scheme is about the chance to win prizes.

Every time you make a purchase you stand a chance of winning a weekly treat. Treats can be anything from a pack of Percy Pigs to chocolates or candles from the apothecary range. Winners are chosen at random from eligible Sparks customers and the number of treat winners and what you get can vary.

If you get a treat, this should show up in your Sparks account, and you can also sign up for emails

You can also check personalised offers through your Sparks app or at the till in store.

Sparks customers can also be in with a chance to win their shopping for free. This applies to both online and in store purchases. There is one winner each week per store and one winner online. Winners are chosen at random and you’ll find out at the till or online checkout if you’re a winner.

Our verdict

If you are a regular shopper you could save money with personalised offers. However, the prize element could be more lucrative especially if you are lucky enough to win your shopping for free.  

This could be potentially worth hundreds of pounds, however as prize winners are chosen at random, depending on how much you’ve spent, you may just recoup the cost of a £5 shop.