Which supermarket saves you the most money

Which supermarket actually saves you the most money? It is one of the most common questions UK shoppers ask, and searches for Asda vs Morrisons vs Tesco show just how often people try to work it out for themselves. The truth is there is no single winner, because prices, loyalty schemes and cashback all pull in different directions depending on how and what you shop for. We have compared Asda, Morrisons, Tesco and M&S on all three, so you can see which one actually suits your trolley.

Price basket comparison

Grocery prices move every month, so rather than quote one-off figures that will date quickly, it is more useful to look at the pattern. Independent price tracking from Which? has consistently placed Asda and Tesco with Clubcard close together at the top of the big three, with Morrisons usually trailing by a small margin on a full weekly shop.

What the latest tracking shows

Based on Which?'s most recent monthly price tracking, if you spend around £100 a week on groceries, Tesco with a Clubcard currently works out cheapest, Asda comes in at roughly 70p more, and Morrisons with its More card runs about £2.25 higher. On raw shelf price alone, that's not enough to build a shopping decision around.

That's exactly why price isn't the full story. The real gap between these supermarkets shows up once you factor in loyalty schemes and cashback, which is where the savings actually start to diverge.

Why basket price is not the full picture

An average basket does not always reflect how you actually shop. If you buy mostly own-brand basics, the gap between Asda, Morrisons and Tesco tends to narrow. If your trolley leans towards branded goods and promotions, Tesco's Clubcard pricing and Morrisons' More offers can pull ahead of Asda on specific items, even when Asda wins on the basket total overall.

Is M&S actually cheaper for meat, fish and fresh produce?

M&S does not appear in the standard Which? basket, because its range and pricing structure work differently to the big four, but there is a real story behind the perception that it has better value on fresh food. In 2026, M&S put £30 million into lowering prices on more than 65 everyday staples, including fresh salmon fillets, British beef mince and a run of vegetable lines, through its Remarksable Value and Dropped & Locked ranges.

Crucially, M&S has been clear that this is not a cut-price "entry tier" range with lower quality swapped in. The same sourcing standards apply: 100% British meat, RSPCA Assured pork, free-range eggs, and fruit and veg from M&S Select Farms. It is also a big part of why so many shoppers say their M&S meat, fish and veg lasts longer in the fridge and simply tastes better, even when the receipt is not far off what they would have paid elsewhere.

That said, this is a shift in specific product lines rather than proof that a full M&S weekly shop beats Asda, Morrisons or Tesco on total basket cost. If your trolley is mostly fresh meat, fish and vegetables, M&S is genuinely worth comparing. If it is mostly cupboard staples and household basics, the other three are still likely to work out cheaper overall.

Loyalty schemes compared

Each supermarket has its own approach to loyalty, and understanding how they work is the first step to knowing where cashback can add real value on top.

Tesco Clubcard

A Tesco Clubcard unlocks two-tier pricing on hundreds of products in store and online, plus points that convert into vouchers or partner rewards. The catch is that non-Clubcard prices at Tesco can be noticeably higher, so the scheme only pays off if you are signed up and scan it every visit.

Morrisons More

Morrisons' More card offers personalised offers and fuel savings alongside points on spending. It tends to have fewer blanket two-tier discounts than Clubcard, with more emphasis on individual, rotating offers you need to activate in the app.

Asda Rewards

Asda Rewards works differently again, handing back cashback style rewards called Asda Pounds rather than discounting prices at the till. Because Asda's shelf prices are already the same for every shopper, it is often the most straightforward of the three to compare like for like.

M&S Sparks

M&S runs its Sparks scheme differently to all three supermarkets above. Rather than points or blanket two-tier pricing, Sparks pays real money into a digital wallet through personalised "spend and earn" offers, such as a set reward for spending a certain amount on food or fresh produce. There is also a free birthday treat and a coffee stamp card. It rewards regular, loyal shoppers well, but does not lower the shelf price for everyone in the way Clubcard or Remarksable Value does.

Cashback rates on tuck.

On top of whichever loyalty scheme you use, tuck. adds a second, independent layer of savings. You buy a cashback card at full face value through the tuck. app, spend it with the retailer exactly as you would a normal payment card, and tuck. pays you cashback based on the current rate. It works alongside Clubcard, More or Asda Rewards rather than replacing them, so you are not choosing between loyalty points and cashback.

Rates at a glance

Rates are shown as up to figures because they are reviewed regularly. Check the Tesco brand page on tuck. for the live Tesco rate, or the Asda brand page, Morrisons brand page and M&S brand page for the other three, before you buy.

How to use it

Search for the supermarket in the tuck. app, choose how much you want to load onto your cashback card, and pay with Apple Pay, Google Pay or Instant Bank Payment. Your card lands in your tuck. wallet straight away and your cashback is credited once the purchase goes through, ready to spend on your next shop or withdraw to your bank.

Which is best for families?

Families running a full weekly shop tend to feel small percentage differences the most, simply because the totals are bigger. On the current price tracking, Asda and Tesco with Clubcard sit close together for a large basket, with Morrisons a little behind. Layer tuck. cashback on top and Tesco or Morrisons at up to 4% edges ahead of Asda's up to 3%, even if Asda's shelf price was marginally lower to start with. M&S is worth a look too if meat, fish and fresh veg make up a big share of the trolley, now that prices have come down on dozens of those lines without a drop in quality.

Stacking loyalty and cashback

The most effective approach for a big weekly shop is to combine all three savings levers where you can: scan your loyalty card at the till for Clubcard, More or Sparks rewards, pay with a tuck. cashback card, and let the cashback stack on top. None of the four require you to choose one over the other.

Which is best for solo shoppers?

For a smaller, more occasional shop, the pounds-and-pence difference between supermarkets matters less, and convenience often decides it. Asda's flat pricing means there is no loyalty card to remember, which can suit shoppers who do not want to track promotions. Tesco and Morrisons reward more regular, planned shopping, where you can make use of personalised offers and Clubcard prices on the specific items you buy most. M&S tends to suit singles who want good quality fresh food without cooking in bulk, especially now that everyday staples like salmon and mince are more competitively priced.

Verdict by shopper type

There is no single winner across the board. Tesco and Morrisons currently offer the higher tuck. cashback rate, which can outweigh Asda's edge on shelf price for a bigger shop. M&S has narrowed the gap on fresh meat, fish and veg specifically, without dropping its quality standards, so it is worth comparing for that part of the trolley even if it is not where you do your full weekly shop. tuck. is not designed to replace Clubcard, More, Asda Rewards or Sparks, it simply adds cashback on top of whichever loyalty scheme you already use.