UK supermarket loyalty schemes reward regular shoppers with points, member prices or both. The Co-op charges £1 to become a member. Here is how the major schemes compare in 2026.
Comparison Table — All Major UK Supermarket Loyalty Schemes
| Scheme | Supermarket | Earn rate | Effective return | Key benefit |
|---|---|---|---|---|
| Clubcard | Tesco | 1pt/£1 | 1p/£1 (1%) + Clubcard Prices | Clubcard Prices (lower prices on selected items) |
| Nectar | Sainsbury’s | At least 1pt/£1 | 0.5p/£1 (0.5%) + Nectar Prices | Personalised Nectar Prices; Argos earn |
| Asda Rewards | Asda | Asda Pounds for buying certain products or completing missions | Varies | Asda Pounds convert to vouchers; no member-only prices |
| Morrisons More | Morrisons | 5 points per purchase | 1,000 points = £1 | Member-only prices in store and online |
| Co-op Membership | Co-op | No points: member-only prices on some items | Varies by offer | Member-only prices and personalised deals |
| MyWaitrose | Waitrose | No points: freebies and discounts | Low direct value | Free hot drink if you bring your own cup |
| Lidl Plus | Lidl | 1pt/£1 | Varies | Weekly coupons and discounts via the app |
By Shopper Type
If you primarily shop at Tesco: Clubcard gives access to Clubcard Prices. Which? found they could save 3% on its 93-item basket in September 2026, so the saving depends on how many Clubcard-priced items you buy.
If you primarily shop at Sainsbury’s: Nectar gives access to Nectar Prices. Which? found they could save 3% on its 93-item basket in September 2026. Nectar points can also be earned with partners including Argos.
If you shop across multiple supermarkets: Holding more than one card is possible.
The Co-op Membership Difference
The Co-op is a cooperative society: membership (£1 joining fee) means you are a part-owner. Which? says members get member-only prices on some items and personalised deals. For Co-op shoppers with ethical motivations, this model is distinctive.
How to Maximise All Schemes Together
- Register for the cards that apply to your shopping
- Use the app for each scheme — personalised offers require activation
- Check each scheme’s app for bonus-point coupons and member-only prices before a big shop
- Never change where you shop purely to earn points: the points don’t compensate for paying more elsewhere
See individual guides: Tesco Clubcard Guide, Nectar Card Guide, Boots Advantage Card.
Scheme-by-Scheme: What You Actually Get
Tesco Clubcard
Two distinct benefits:
- Points accumulation (1p per £1), redeemable as vouchers, or exchanged with Clubcard Reward Partners for up to 2x their value
- Clubcard Prices: member-only prices on selected products; the saving varies by product (Which? found 3% on its 93-item basket in September 2026)
Best for: Tesco primary shoppers and anyone who uses Clubcard Reward Partners
Sainsbury’s Nectar
Nectar points are worth 0.5p each, against 1p for a Clubcard point:
- Nectar members earn points with selected partners, including Argos and British Airways
- Points can be spent at Sainsbury’s or with companies like British Airways and eBay
- Which? says members get up to 10 personalised Your Nectar Prices offers each week, which need to be unlocked before shopping (the saving varies by product)
Best for: Sainsbury’s and Argos shoppers
Asda Rewards
Which? says Asda Rewards runs through a smartphone app and lets customers collect Asda Pounds by buying certain products or completing missions. These can be converted into vouchers to spend at Asda in store or online. Asda does not have member-only prices.
Best for: Asda primary shoppers who are happy to use the app
Co-op Membership
Which? says the Co-op gives member-only prices on some items rather than points. You pay £1 to become a member, which buys a £1 share in the Co-op.
Best for: Co-op regular shoppers with ethical purchasing priorities; those who value community ownership model
Building a Multi-Scheme Strategy
The most effective approach for multi-supermarket households:
- Get the cards applicable to your shops
- Prioritise Clubcard Prices for Tesco shops — check the app before every shop; buy Clubcard-priced products instead of standard-priced equivalents
- Activate Nectar Prices in the app before Sainsbury’s shops — personalised offers require activation
- Check each app for bonus-point offers before a large stock-up shop
Holding several cards is possible, and the main risk is forgetting to use them.
How Loyalty Schemes Make Money from You
Understanding the commercial logic helps you use these schemes more effectively:
Supermarkets use loyalty data to:
- Track what you buy and when
- Personalise pricing (Your Nectar Prices are different per customer)
- Reduce marketing waste by targeting promotions
- Encourage loyalty and frequency
The CMA’s November 2024 review also looked at how supermarkets collect and use data when people sign up to a loyalty scheme, and said it did not see evidence of consumer law concerns in relation to this.
The Bottom Line — Which Should You Prioritise?
The right scheme is the one for the supermarket you already use. In Which?’s September 93-item basket, Clubcard Prices could save 3% at Tesco and Nectar Prices 3% at Sainsbury’s.
If you shop primarily at Sainsbury’s, unlock your Nectar Prices in the app each week.
For everything else: get the relevant cards and use them passively as a byproduct of shopping you would do anyway.
See individual guides: Tesco Clubcard Guide UK, Nectar Card Guide UK, Boots Advantage Card Guide UK.
For cashback sites, see How Cashback Sites Work UK.