Note: Loyalty scheme terms change often. Always check your app/account for the latest offers and exclusions.

UK supermarket loyalty schemes don’t all work the same way. Some give you points you can turn into vouchers. Some give you member-only shelf prices. Others are basically an app full of coupons. The trick is matching the scheme to how you shop, so you actually feel the savings in your weekly total.

Easy win: Shop at more than one supermarket? Sign up for the schemes you use most and scan whichever applies at checkout.

Compare the top UK supermarket loyalty schemes in 30 seconds

Scheme	How you get value	App needed	Best for
Tesco Clubcard	Points + member prices	No (but helpful)	Simple points value + frequent Clubcard Prices
Sainsbury’s Nectar	Points + partner earning/spending	No (but helpful)	Flexibility across multiple retailers
Morrisons More	Member prices + voucher-style rewards	No (but helpful)	Instant in-store savings if you buy discounted lines
Lidl Plus	App coupons + spend-based rewards	Yes	Weekly coupon hunters and deal planners
Co‑op Membership	Member-only prices + personalised app offers	No (but offers are easier in-app)	Convenience shops where member prices matter
Asda Rewards	Cashpot-style rewards via missions and “star” products	Yes	People who like gamified savings and tracking
Iceland Bonus Card	Top-up bonus (preload spending to get extra)	No	Budgeting and “reward me for planning ahead” shoppers
myWaitrose	Perks and targeted offers (not points-led)	No (but helpful)	Freebie lovers and regular Waitrose shoppers

How each loyalty scheme saves you money in real life

The easiest way to pick a winner is to look at the “shape” of the savings. Here’s what each scheme is really designed to do.

Tesco Clubcard saves you with points and member prices

• Points: you earn points on spend and redeem them as vouchers.
• Clubcard Prices: member-only prices often deliver the biggest instant savings (before points even matter).
• Best move: use Clubcard Prices for your usual staples and let points build in the background.

Extra savings: Before your next shop, take a quick peek at Groupon’s latest Tesco discount codes to see if there’s an easy extra saving to stack on top.

Sainsbury’s Nectar is best when you want flexibility beyond the supermarket

• Points: earn on Sainsbury’s spend and (often) across participating partners.
• Nectar Prices and personalised offers: instant discounts and targeted deals.
• Best move: if you already earn Nectar elsewhere, the points can stack up faster than you’d expect.

Extra savings: If you’re heading to Sainsbury’s, check Groupon’s Sainsbury’s offers first and see if you can knock a bit more off at checkout.

Morrisons More is strongest when you use member-only prices

• More Card Prices: instant shelf-price discounts for members (often the main value).
• Rewards/vouchers: Morrisons also runs voucher-style rewards mechanics, but the exact return depends on what you buy.
• Best move: plan around More Card Prices on things you already need (then everything else is a bonus).

Extra savings: Want to stack your savings? Have a look at Groupon’s Morrisons discount codes before you shop.

Lidl Plus rewards the organised shopper with app coupons

• App-first: you scan Lidl Plus at the till to apply discounts.
• Coupons change frequently: great when they match what you already buy, useless when they don’t.
• Best move: check offers before you go in, then build your shop around the best-value coupons.

Extra savings: If Lidl’s your regular, it’s worth checking Groupon’s Lidl discount codes before you head out—sometimes there’s a handy extra deal to pair with your Lidl Plus offers.

Co‑op Membership gives you instant member prices and app offers

• Member-only prices: straightforward “scan and save” discounts in-store.
• Personalised offers in the app: often simple money-off deals (for example, small amounts off items you buy regularly).
• Occasional higher discounts: worth checking before a top-up shop.

Extra savings: Doing a top-up at Co‑op? Browse Groupon’s Co‑op discount codes and see if there’s a promo you can use alongside member-only prices.

Asda Rewards can pay off if you like tracking your progress

• Cashpot-style rewards: build rewards via app missions and selected products.
• Not a classic points card: the value can vary week to week based on offers.
• Best move: only chase missions if they match what you’d buy anyway.

Extra savings: Before you fill your trolley, check Groupon’s latest Asda discount codes to see if you can cut the cost while your Cashpot builds in the background.

Iceland Bonus Card rewards you for preloading your grocery budget

• Top-up bonus: Iceland typically gives you a bonus when you load money onto the card (often framed as “load £20, get £1”).
• Budget-friendly: feels less like “points” and more like a savings pot with a little extra added.
• Best move: treat it like a planned grocery budget, not a “spend more to get more” scheme.

Extra savings: If you’re planning an Iceland shop, take a look at Groupon’s Iceland discount codes first—it’s a simple way to add extra savings on top of your Bonus Card top-ups.

myWaitrose is about perks and targeted offers, not points

• Perks: member benefits can include freebies and occasional counter discounts (terms can vary).
• Personalised offers: choose offers in your account and scan your card/app to redeem.
• Best move: if you already shop Waitrose, it’s a no-brainer to sign up and take the perks.

Extra savings: If Waitrose is in your weekly rotation, it’s worth checking Groupon’s Waitrose discount codes so you can stack any available offers with your myWaitrose perks.

Points and rewards maths that actually matters

If you like hard numbers, these are the schemes where the “value per point” is most meaningful. (For app-coupon and member-price-heavy schemes, the return depends on the offers you use.)

Member-only prices are often where the biggest savings hide

Points are nice, but the “wow, my bill dropped” moments usually come from member-only shelf prices and activated app offers. That’s why it’s worth comparing schemes by how much they discount the things you actually buy.

• Strong member pricing focus: Morrisons More, Co‑op Membership
• Member pricing plus points: Tesco Clubcard, Nectar
• Coupon-first: Lidl Plus

Best loyalty scheme for different shopping styles

Best for one big weekly shop

• Tesco Clubcard: strong mix of member prices and points.
• Morrisons More: can be great if your basket includes lots of member-price items.

Best if you shop across multiple brands

• Nectar: the partner angle is the main reason people stick with it.
• Asda Rewards: works well if you’re happy to use the app and the weekly offers match your usual buy list.

Best for quick convenience top-ups

• Co‑op Membership: member-only prices and small personalised offers can make a noticeable difference on “just grabbing bits.”

Best for coupon lovers who plan ahead

• Lidl Plus: best when you check the app first and shop the strongest offers.

Best for budgeting and feeling in control

• Iceland Bonus Card: if you like preloading your grocery budget, the bonus can feel like free money for being organised.

Best for perks and freebies rather than points

• myWaitrose: worth it for regular Waitrose shoppers who will actually use the perks and selected offers.

FAQs

What is the best supermarket loyalty card in the UK

There isn’t one universal winner. Tesco Clubcard is often the clearest for points value, Nectar is usually strongest for partner flexibility, and member-price schemes (like Morrisons More and Co‑op Membership) can save you more instantly if you buy lots of discounted lines.

Are supermarket loyalty cards worth it

Usually, yes—especially if you use member-only prices and activated offers. If you never scan your card/app (or you ignore the offers), points alone can feel slow.

Do I need a smartphone for these loyalty schemes

Not always. Tesco, Sainsbury’s, Morrisons, Co‑op and Waitrose generally offer a way to use a physical card or key fob, but Lidl Plus and Asda Rewards are primarily app-based. You’ll typically get the best offers and tracking in the apps.

Which scheme is best if I shop at more than one supermarket

If you spread your shops around, choose schemes that still reward you outside one store (often Nectar) and schemes that deliver instant member prices wherever you pop in (for example, Co‑op for top-ups). Then use app-coupon schemes like Lidl Plus when the weekly offers match your list.

Bottom line that actually helps you save

The best UK supermarket loyalty scheme is the one that matches your habits:

• If you want clean, predictable value, start with Tesco Clubcard.
• If you want flexibility across other brands, start with Nectar.
• If you want instant “member prices” that cut your bill today, prioritise Morrisons More and Co‑op Membership.
• If you love planning around coupons, Lidl Plus can be a weekly win.

One last easy win: check discount codes before you shop. You can often stack a promo with your loyalty scheme for an extra nudge down at checkout: Morrisons, Tesco, Sainsbury’s.

Sources and scheme pages

1. Tesco Clubcard official page
2. Nectar official site
3. Morrisons More official page
4. Lidl Plus information (Lidl UK)
5. Co‑op Membership official page
6. Asda Rewards official page
7. Iceland Bonus Card official page
8. myWaitrose official page