Right, let's settle this once and for all. You've got three major loyalty cards fighting for space in your wallet — Morrisons More, Tesco Clubcard, and Sainsbury's Nectar — and they all promise to save you money. But which one actually delivers the best value for your weekly shop in 2025?
We've crunched the numbers so you can see exactly what each point is worth and where the real savings hide.
Each supermarket has its own way of rewarding your spending. The differences can save you serious money if you pick the right one. Here's how the earning rates stack up across the big three.
The scheme is free and available to UK residents aged 18 or over. You'll get access to personalised offers and exclusive 'More Card Prices' on selected products throughout the store.
Tesco keeps things simple with 1 point for every £1 spent in-store and online. Fuel earning is a bit different — you'll get 1 point for every £2 spent at Tesco petrol stations. It's less generous than Morrisons on fuel, but the redemption options make up for it.
Clubcard members also get access to Clubcard Prices — exclusive discounts on hundreds of products that save you money before you even think about redeeming points.
Nectar gives you 1 point for every £1 spent at Sainsbury's, plus 1 point for every litre of fuel. What makes Nectar different is its partner network — you can earn points at Argos, eBay, and Caffè Nero, among others.
This broader earning potential boosts your points balance if you shop across multiple retailers. But the redemption value is where things get interesting.
Quick Comparison
Supermarket Loyalty Card Comparison (2025)
| Card |
Earning rate |
Point value |
Fuel rewards |
Best for |
| Morrisons More |
5 pts/product (most items) |
0.1p/pt |
5 pts/litre |
Member pricing discounts |
| Tesco Clubcard |
1 pt/£1 |
1p/pt |
1 pt/£2 fuel |
Partner redemptions |
| Sainsbury’s Nectar |
1 pt/£1 |
0.5p/pt |
1 pt/litre |
Multi-retailer earning |
What Your Points Are Actually Worth
Here’s the quick maths on point values and real returns at the till.
Supermarket Loyalty Card Value Comparison (2025)
| Card |
Earn Basis |
Value per Point |
Return on £100 Spend |
Redemption Threshold |
| Morrisons More |
5 |
0.1p |
Varies* |
5,000 pts → £5 |
| Tesco Clubcard |
1 |
1p |
£1.00 (1%) |
500 pts → £5 |
| Sainsbury’s Nectar |
1 |
0.5p |
£0.50 (0.5%) |
1,000 pts → £5 |
*Because Morrisons points are per product, returns depend on basket size. Example: 20 items ≈ 100 pts (≈10p, ~0.1% on a £100 shop); 50 items ≈ 250 pts (≈25p, ~0.25%).
At-a-glance verdict:
- Best pure points value: Tesco Clubcard (1% back on shops).
- Best everyday till savings: Often Morrisons, via member pricing (see next section).
- Best multi-retailer flexibility: Nectar, thanks to its partner network.
💡 Tip: Clubcard rewards can be worth up to 3× with selected partners (e.g., dining and days out). That £5 in vouchers can stretch to £15 in partner value.
Member-Only Pricing: Where the Real Savings Hide
Forget the points for a moment — the biggest savings often come from member-only prices. This is where loyalty cards save you serious money on your regular shopping.
Looking to stack your savings even further? Our Morrisons online shopping guide shows you how to save on getting your groceries delivered too.
Morrisons More Card Prices (25% Average Discount)
Here's where Morrisons really shines. A Which? investigation found that the average discount on loyalty price items at Morrisons was 25%. That's substantial — if you're buying £20 worth of discounted items, you could save £5 just by showing your card.
These 'More Card Prices' appear throughout the store on hundreds of products, from fresh produce to household essentials. The savings add up quickly if you're strategic about what you buy.
Clubcard Prices vs Regular Prices
Tesco's Clubcard Prices offer discounts across thousands of products, though the percentage savings vary widely. You'll typically see savings of 10-30% on selected items, with particularly good deals on branded products.
The key advantage is the sheer number of products included — you'll find Clubcard Prices in almost every aisle, making it easy to save without changing your shopping habits.
Nectar Prices at Sainsbury's
Sainsbury's Nectar Prices work similarly to the other schemes, offering discounts to cardholders on selected products. The savings are generally in line with competitors, though the selection can be smaller than what you'll find at Tesco.
Where Nectar shines is through personalised offers sent to your account, which target products you actually buy rather than random discounts.
Fuel Rewards: Which Card Wins at the Pump
Fuel Rewards at a Glance
| Card |
Fuel earn rate |
Approx. value per litre |
Notes |
| Morrisons More |
5 pts/litre |
~0.5p back/litre |
Helps you reach £5 voucher faster |
| Tesco Clubcard |
1 pt/£2 spent |
~0.25% return |
Watch for bonus fuel promos |
| Sainsbury’s Nectar |
1 pt/litre |
~0.5p back/litre |
Earning/spending across partners |
Fuel verdict: Morrisons and Nectar are broadly neck-and-neck on effective return; Tesco can catch up during bonus point promos.
Best Card for Different Shopping Styles
Quick picker:
- Want instant till savings? Morrisons More
- Best value per point? Tesco Clubcard
- Shop across multiple retailers? Nectar
- Drive a lot? Morrisons or Nectar (similar effective fuel return)
The "best" loyalty card depends entirely on how and where you shop. Here's our take on which card works best for different situations.
Best for Big Weekly Shops
If you do one large weekly shop and stick to one supermarket, Morrisons More delivers excellent value thanks to those 25% average discounts on member prices. The points might not be as valuable as Clubcard, but the upfront savings on your bill make up for it.
Tesco Clubcard is a close second, especially if you like the flexibility of spending points with partner brands rather than just on groceries.
Best for Fuel Savings
Both Morrisons More and Sainsbury's Nectar offer the same effective return rate on fuel (about 0.5p per litre), making them roughly equal. Choose based on which supermarket you prefer for your regular shopping.
Tesco lags behind on fuel rewards, though their frequent bonus point promotions close the gap.
Best for Partner Rewards
If you want to earn and spend points across multiple retailers, Nectar wins hands down. The partner network includes everything from Argos to eBay, giving you more ways to earn and more places to spend.
Tesco's partner redemption scheme is also strong, but you can only earn Clubcard points at Tesco itself.
Want to explore more ways to save at Morrisons beyond your loyalty card? Check out our Morrisons cafe offers for dining deals too.
FAQs
Which supermarket loyalty card is best for fuel?
Morrisons More and Sainsbury's Nectar both offer the best fuel rewards, giving you about 0.5p back per litre. Tesco Clubcard offers less generous fuel rewards but often runs bonus point promotions that boost your earnings.
How much are Nectar points worth?
Nectar points are worth 0.5p each when spent at Sainsbury's or partner retailers. You'll need 1,000 points to get £5 off your shopping, which means you need to spend £1,000 to earn that £5 voucher through points alone.
Is Tesco Clubcard or Sainsbury's Nectar better?
Tesco Clubcard offers better point value (1p per point vs 0.5p) and the same earning rate, making it more generous for grocery shopping. However, Nectar's partner network gives you more places to earn and spend points if you shop across multiple retailers.
What are the benefits of the Morrisons More card?
Morrisons More offers 5 points per product (most items), access to exclusive ‘More Card Prices’ (often around 25% off selected lines), and personalised offers. The card is free for UK residents aged 18 or over.
Do I need a smartphone for all loyalty cards?
No, all three supermarkets still offer physical loyalty cards. However, the apps do provide extra features like digital vouchers, personalised offers, and easier point tracking that help you save more money.
Bottom Line
The best loyalty card is the one that matches your shopping habits. If you're loyal to one supermarket and love a good discount, Morrisons More's member pricing delivers serious savings. If you prefer flexibility and partner rewards, Clubcard or Nectar might suit you better.
Before you check out at Morrisons, take a moment to explore Groupon's latest Morrisons discount codes. It's an easy way to stack savings on top of your loyalty card benefits without any extra effort.
- Morrisons More loyalty scheme change excludes teenagers from lower prices — Which?
- How to spend Nectar points – top tips to redeem in 2025 — The Telegraph
- Morrisons More - Points, Prices and More Fivers — Morrisons
