If you’re spending hundreds a month on groceries, imagine getting something back... just for shopping! From cashback and points to exclusive perks and prizes, here’s everything you need to know about the 9 Major UK Grocery Loyalty Programs, how they work, and how to get the most of each!

1. Tesco – Clubcard

Overview: The UK's oldest and most versatile grocery rewards scheme, offering points, exclusive prices, and access to special partners.

🔗 Tesco Clubcard Info

• Earn 1 point per £1 spent (1 point per £2 on fuel)

• 150 points = £1.50 in Clubcard vouchers

• Use vouchers at Tesco or benefit from 2x value with 100+ Reward Partners (e.g. PizzaExpress, Disney+, Thorpe Park, Virgin Atlantic)

• Clubcard Prices: Member-exclusive discounts on thousands of products

• Clubcard Christmas Saver: Save vouchers throughout the year, get up to £12 bonus

💡 Use tips: Download the Tesco app to access vouchers instantly. Scan your digital card every time you shop. Stack partner offers with Tesco shopping for maximum value.

2. Asda – Asda Rewards

Overview: A pure cashback-style scheme headquartered in the app - no points, real pounds.

🔗 Asda Rewards Info

• Earn cash in your Cashpot for buying Star Products

• Complete Missions like “spend £50” for bonus pounds

• Convert your Cashpot into vouchers redeemable in-store or online (up to £100)

💡 Use tips: Check the app regularly for rotating Star Products and Mission lists. Vouchers are digital and automatically applied for online orders. Great for families or regular Asda shoppers.

3. Sainsbury’s – Nectar

Overview: Flexible, multi-brand points system with personalised offers.

🔗 Sainsbury’s Nectar Info

🔗 Nectar Main Site

• Earn 1 point per £1 spent in-store or online

• Typically, 400–500 points = £2–2.50 off

• Use points at Sainsbury’s or partners like Argos, eBay, Esso

• App offers Nectar Prices: personalised discounts and bonus point offers

💡 Use tips: Always activate offers before shopping. Link across Argos, eBay, and partner apps for full value. Combine with Nectar promotions for extra points.

4. Morrisons – Morrisons More Card

Overview: Digital-first card offering points on groceries plus new partner points for external spending.

🔗 Morrisons More Info

• Earn 5 points per £1 spent in-store or online

• 5,000 points = £5 voucher (“More Fiver”)

• Access personalised More Card Prices, coupons, and deals

• Earn Partner Points from over 300 brands such as Asos and JustEat, etc.

• Earn points on every Litre of Fuel you buy

💡 Use tips: Activate deals in app before shopping. Shop via More App or website to earn Partner Points. Use stamps and seasonal boosts to speed up rewards.

5. Iceland – Bonus Card

Overview: Top-up style card offering up to 5% extra value and exclusive prices.

🔗 Iceland Bonus Card

• Top up £20, get £21 to spend

• Access Bonus Card-only prices and promotions

• Enjoy free delivery on instore orders of £40 or more

• 10% discount for Over 60s every Tuesday

💡 Use tips: Keep your card topped regularly for automatic savings. Great for families on frozen food budgets or repeated shopper benefits.

6. Marks & Spencer – Sparks

Overview: A quirky perks-based scheme with surprises and charity tie-ins, no points.

🔗 M&S Sparks

• Get personalised offers on items you like

• Chance to win your shop for free (over 1,000 winners daily)

• Choose a charity and M&S donates when you shop

• Early access to new products and events

• Customers who have updated their profile with their date of birth will receive a birthday treat in their Sparks account at the start of their birthday month

💡 Use tips: Scan Sparks every time you shop online or in-store. Set preferences in-app so offers match your tastes. Enter regular surveys or surprise draws.

7. Waitrose – myWaitrose

Overview: Experience-focused - offers free extras and curated savings, not points.

🔗 myWaitrose Benefits Morrisons+5Morrisons+5Retail Gazette+5Iceland GroceriesMorrisonsWaitrose.com+1Retail Gazette+1

• Personalised vouchers based on previous shops

• Free hot drink with any purchase (bring your own cup)

• Free Waitrose Food magazine

• Themed discounts like “Big Cheese Thursday”, “Fish Friday” and “Sizzling Saturday”

Note: Recent T&Cs changes mean vouchers are now sent “from time to time” rather than guaranteed weekly - though most receive them weekly nonetheless Retail Gazette

💡 Use tips: Scan your card/app on every visit. Reselect or refresh personalised vouchers if an item is unavailable. Bring a reusable cup for the free drink.

8. Aldi - App (No Loyalty Scheme)

Overview: No loyalty card - just a smart planning app.

🔗 Aldi Website

• Access weekly offers, Specialbuys, and product leaflets via app

• Create and share a personalised shopping list

• Use offline mode in-store even without signal

💡 Use tips: Use the app before shopping to prioritise Specialbuys like air fryers, homeware, or garden gear. Visit store early in Specialbuy weeks (Wednesdays/Sundays) for best stock. No points or rewards – just planning tools.

9. Farmfoods – Savings Card

Overview: A free physical card that helps you save up for your food shop or gift someone else. It’s not a points-based loyalty scheme - just a simple, flexible savings tool.

🔗 Farmfoods Website

• Pick up and activate in-store from £1

• Top up with any amount, up to £100 per transaction

• Maximum card balance: £250

• Use at checkout for full or partial payment

• Balance printed on receipt when used

• No app required — entirely in-store based

💡 Use tips: Use to build up savings for weekly or monthly shops. Handy for budgeting, especially for students or families. Gift-friendly - perfect for birthdays or Christmas. Add leftover “change” from your food shop onto the card each visit. Use regularly - cards inactive for 24+ months will lose their balance. Can’t be used to buy other gift cards or topped up with vouchers.

✅ Final Comparison Table: Quick View