Every supermarket wants to be your favourite, and most of them will pay you a little for the privilege. Some give you points, some give you cash in an app, and nearly all of them now keep their best prices for members only. If you shop without scanning, you’re often paying more than the person behind you in the queue for exactly the same tin of beans.
Here’s a plain-English guide to the main UK schemes: how each one works, what it’s actually worth and how to squeeze a bit more out of it.
Loyalty schemes change often (several have had a shake-up in 2025 and 2026). Everything below was checked in November 2026, but always look at the supermarket’s own app or website for the latest terms.
At a glance
| Supermarket | Scheme | How it rewards you | Member prices? |
|---|---|---|---|
| Tesco | Clubcard | 1 point per £1; 150 points = £1.50 voucher | Yes – Clubcard Prices |
| Sainsbury’s | Nectar | 1 point per £1; points worth 0.5p each | Yes – Nectar Prices |
| Asda | Asda Rewards | Cash into a “Cashpot” from missions and offers | Not the main focus |
| Lidl | Lidl Plus | Points per £1 (since May 2026), plus app coupons | App coupons and offers |
| Aldi | None | No loyalty scheme – low prices are the pitch | No |
| Morrisons | More Card | Points on eligible items; 5,000 points = £5 “Fiver” | Yes – member offers |
| M&S | Sparks | Cash rewards in a digital wallet for completing offers | Personalised offers |
| Iceland | Bonus Card | Load money on; get £1 extra for every £20 | Yes – Bonus Card prices |
| Co-op | Membership | Member prices and personalised offers | Yes |
| Waitrose | myWaitrose | Personalised vouchers and perks | Member offers |
Tesco Clubcard
The big one. You earn 1 point for every £1 spent on your shopping, and points also build up on Tesco fuel. Every quarter (February, May, August and November) your points turn into vouchers: 150 points becomes a £1.50 voucher. Vouchers last two years, so there’s no rush, but don’t forget about them either.
The real value is in Clubcard Prices – cheaper prices on thousands of products that you only get if you scan your card or app. You can also swap vouchers with Clubcard Reward Partners (restaurants, days out, magazines and so on), where they’re typically worth up to twice as much.
- Top tip: if you were going to go out for a meal or a day out anyway, check the Reward Partners before you spend your vouchers on groceries.
- Tesco also sells Clubcard Plus, a paid monthly subscription with extra discounts. It only pays off if you spend a fair bit at Tesco each month, so do the maths first.
Sainsbury’s Nectar
Nectar gives you 1 point per £1 at Sainsbury’s, and you can also collect at Argos, on Esso fuel and with a long list of partners. Points are worth about 0.5p each, and you can spend them once you’ve got 500 (£2.50). Nectar points don’t expire while the scheme is running.
Like Tesco, Sainsbury’s runs Nectar Prices – member-only prices that need your card scanned or linked to your online account. They aren’t applied after the event, so scan before you pay. There are also Your Nectar Prices: personalised offers in the app that you need to unlock before you shop.
- Top tip: open the Nectar app once a week and load your bonus point offers. It takes a minute and it’s where the extra points are.
Asda Rewards
Asda does things differently. Instead of points, cash builds up in your Cashpot in the Asda Rewards app when you complete “missions” or buy featured products. When you’re ready, you turn it into vouchers in £1 steps.
- Watch out: money in the Cashpot expires after six months, and once you’ve turned it into a voucher you need to use it fairly quickly. Spend it regularly rather than saving it up.
Lidl Plus
Lidl Plus is an app rather than a card. In May 2026 Lidl replaced its old spend-based coupons with Lidl Plus Points: you now earn points per £1 spent in store and swap them for rewards in the app. You still get weekly money-off coupons to activate, plus regular deals on the bakery.
- Top tip: activate your coupons before you get to the till – they don’t apply themselves.
Aldi
Aldi doesn’t have a loyalty scheme. Its argument is that the prices are low enough already, and for many shoppers that’s fair. The Specialbuys aisle, however, remains a danger to everyone’s bank balance.
Morrisons More
The Morrisons More Card earns points on eligible products and fuel. When you reach 5,000 points they turn into a £5 “Fiver” to spend in store or online. You can also pick monthly “Points Boosters” in the app for extra points on things you buy anyway.
- Watch out: points that haven’t been converted expire after 12 months, and Fivers have their own expiry dates, so keep an eye on the app.
M&S Sparks
M&S overhauled Sparks in spring 2026. Instead of points, you now get real money in a digital wallet by completing offers – things like “spend a certain amount in the Foodhall and get money back”. Offers refresh weekly and you need to activate them in the app before you shop. There are also perks such as a free coffee after a few purchases and a birthday treat.
Iceland Bonus Card
Iceland’s scheme is a bit like a savings jar. You load money onto your Bonus Card, and Iceland adds £1 for every £20 you put on, which is effectively a 5% discount. Members also get special Bonus Card prices. It’s particularly handy for budgeting, as you can put a little aside each week towards a bigger shop, such as Christmas.
Co-op and Waitrose
Co-op Membership gives you member prices and personalised offers in the app, and part of what you spend goes to local community causes. myWaitrose doesn’t use points but offers personalised vouchers and member perks. Both are free, so if you shop there at all, it’s worth signing up.
How to get the most out of loyalty schemes
- Join every scheme for the shops you actually use. They’re free, and member prices alone can save you money.
- Put the apps on your phone. Most of the best offers are now in the app, not on the plastic card.
- Set a five-minute weekly habit of loading coupons and offers before you shop.
- Watch the expiry dates, especially for Asda Cashpot, Morrisons points and Fivers.
- Don’t let points change what you buy. A bonus on something you didn’t need isn’t a saving.
- Stack your savings by using a cashback site for online shops too. See our guide to how cashback sites work.
Used sensibly, loyalty schemes won’t change your life, but they can easily shave a useful amount off the yearly food bill. For more ideas, have a look at our 10 ways to cut your household bills.
This article is general information, not financial advice. See our Disclosure & Disclaimer.