Tesco Clubcard is a supermarket loyalty scheme. Here is how it works.
How Points Are Earned
The basic mechanic is simple: spend at Tesco, earn points. But the earn rate varies depending on where and how you shop. Clubcard Prices are separate discounts on selected products for Clubcard members.
| Spend | Points earned |
|---|---|
| Tesco grocery shop (in-store or online) | 1 point per £1 |
| Tesco Fuel (petrol/diesel) | 1 point per 2 litres |
| Tesco Bank and Tesco Mobile | Points can also be collected; check the current rate with each |
| Personalised coupons | Bonus points or extra discounts; varies by coupon |
Tesco sends vouchers with its statements in February, May, August and November, and you can also request vouchers between statements. You can see them in the Tesco Grocery & Clubcard app or your Clubcard account online.
Standard Voucher Value
| Points | Voucher value |
|---|---|
| 150 points | £1.50 |
| 500 points | £5.00 |
| 1,000 points | £10.00 |
Example: A household spending £600/month at Tesco earns 600 points/month = £6/month = £72/year in standard vouchers.
Clubcard Prices
Clubcard Prices are the other main benefit. Tesco discounts selected products for Clubcard holders through Clubcard Prices.
How much the discounts add up to depends on what you buy. In its September 2026 cheapest supermarket analysis of 93 items, Which? found Clubcard Prices could save 3% at Tesco.
Clubcard Rewards: Boosting Voucher Value
Clubcard Rewards can raise what your vouchers are worth. Standard use in Tesco gives you £1.50 for every 150 points, which is 1p a point. With Reward Partners, Which? says points are worth twice their regular value, and Tesco says vouchers can be exchanged for up to 2x their value. On that basis 100 points (a £1 voucher) is worth up to £2. Tesco cut the Reward Partner boost from triple to double value from 14 June 2023.
Which? counts around 100 Clubcard partners, including Alton Towers, Café Rouge and Hotels.com. Tesco can run limited-time promotions on specific partners. For example, ClearScore reported that in January 2026 Tesco moved seven restaurant partners to triple value for a time, so £1 in vouchers converted to £3 of dining credit. That was a promotion, not the standard rate.
If you regularly use these partners, the same vouchers can go further. For a family already paying for a day out at a partner, exchanging £50 in Clubcard vouchers for up to £100 of value (at 2x) is a large difference.
If you don’t use any partners, standard use in Tesco at 1p a point is still available.
Partners and rates can change, as when Tesco cut the Rewards boost from triple to double value. Check the Tesco website or app for current Reward Partners and rates before you exchange vouchers. Clubcard vouchers are valid for 2 years.
Is Clubcard Worth It?
| Shopper type | Clubcard value |
|---|---|
| Regular Tesco shopper who doesn’t use Clubcard | Missing out on points and Clubcard Prices |
| Regular Tesco shopper with Clubcard | Getting good value; consider Rewards for boosted value |
| Occasional Tesco shopper | Worth having but lower impact; combine with Aldi/Lidl strategy |
| Primarily Aldi/Lidl shopper | Limited relevance to main shop |
It is free to sign up to Clubcard, and you can scan it with a card or in the Tesco app. Anyone who shops at Tesco, even occasionally, can use it to collect points and unlock Clubcard Prices.
See also: Is Clubcard Prices Worth It?, Best Supermarket Loyalty Schemes UK, and Cheapest Supermarket UK 2026.
Getting the Most from Tesco Fuel
Tesco operates petrol stations at some of its stores. Clubcard earns at fuel (1 point per 2 litres) but also:
- Esso is a Clubcard partner where you can collect points
- Clubcard members can also collect a point for every pound spent on charging at Be.EV electric vehicle chargers
For more ways to reduce your overall food costs, see our guide on how to save money on your food shop.
Clubcard for Online Tesco Orders
Clubcard points are earned on spend in store or online, and Tesco groceries online earn at the same 1 point per £1. Clubcard Prices are available on selected products both in store and online. To collect points online, make sure your online account is linked to your Clubcard account when you order groceries online.
Personalised Coupons: When to Time Your Shop
Which? reports that Clubcard app users get personalised coupons for bonus points or extra discounts every two weeks, and that members who get vouchers by post receive personalised coupons around eight times a year.
Check: Before a large shop, look in the app for any bonus-point coupons or promotions. For savings on the products themselves, see own-brand vs branded food.
Joint and Household Accounts
Whether and how more than one person can share a Clubcard account is set by Tesco, so its Clubcard help pages are the place to check before splitting a household’s shopping across two cards.
Using Clubcard to Save on Christmas and Seasonal Spending
Points build up through the year and the vouchers can be spent on things such as the following. Meal planning can help you reduce waste and target Clubcard-priced products:
- Christmas food shop: paying for part of the December shop with Clubcard vouchers
- Days out in school holidays, exchanged through Clubcard Rewards at up to double value with partners such as Alton Towers
- Restaurant meals, where a Reward Partner takes Clubcard vouchers
A household accumulating 1,000 points/month (£10) over 10 months has £100 in standard vouchers, or up to £200 at double value via Reward Partners (10,000 points = £100; x2 = £200).
Is Tesco Clubcard Worth It?
Clubcard Prices and points both come with the card, so the question is how much value you get out of it:
| Level of engagement | What you get |
|---|---|
| Passive (card scanned, no optimisation) | Points only, at 1p per £1 spent |
| Active (Clubcard Prices used, vouchers redeemed) | Points plus savings from Clubcard Prices |
| Maximised (Reward Partners, personalised coupons, fuel) | Adds Reward Partner exchange at up to double value |
Regular Tesco shoppers who do not use Clubcard miss out on its member prices and points.
Compared to the Sainsbury’s Nectar card, both schemes give member prices on selected products. Which? says Nectar members get up to 10 personalised offers each week, while Clubcard app users get personalised coupons every two weeks. If you shop at both supermarkets regularly, you can hold both cards.
See also: Is Clubcard Prices Worth It UK, Best Supermarket Loyalty Schemes UK, and Yellow Sticker Shopping Guide.
How to Get a Tesco Clubcard
- Sign up at Tesco.com
- Register your details, including a UK address
Which? says you must be over 18 and have a UK address to join, and you do not need an email address, smartphone or computer. Customers aged 16 and 17 can join if invited by a parent or adult with a Clubcard account.
Related Guides
- Supermarket Savings UK 2026 — Hub
- Is Tesco Clubcard Prices Worth It? — UK Analysis
- Best Supermarket Loyalty Schemes UK 2026 — Compared
- Sainsbury’s Nectar Card Guide UK 2026
- Loyalty Points Guide UK — Nectar, Clubcard, Avios and More
- Cheapest Supermarket UK 2026 — Monthly Price Comparison
- Own Brand vs Branded Food UK — Is It Worth Switching?
- Yellow Sticker Shopping UK — How to Save on Reduced Items
- How to Save Money on Your Food Shop UK 2026
- Meal Planning to Save Money UK 2026
- Cashback Sites and Loyalty Schemes UK
- Average Grocery Bill UK 2026