Last Updated on 22 August 2025 by Dan Wilderness
Hello everyone! Some of our most popular articles at the Wilderness are on UK Supermarket Loyalty schemes – you all absolutely love to get a bargain on your groceries.
And we absolutely support this – getting money off purchases is always a good thing, but when it’s on essential purchases like your weekly shopping it absolutely makes sense to save what you can.
Today’s article is designed to be a comparative article highlighting the differences between the UK Supermarket loyalty schemes and which is best. We’ve got a number of more detailed articles on both of the schemes here which we’ll also link to from this article – this one is designed to be high level.
Finally I’ll just note that we think different supermarket loyalty schemes have different points of emphasis, so we’ve highlighted those we think are best under particular categories.
Comparison of UK Supermarket Loyalty Benefits
Here we’ve run a brief comparison of the UK Supermarket schemes and what’s a fair expected cashback rate from them without any vouchers / opt ins.
We’ve then highlighted some specific reasons we think a number of supermarkets stand out further down.
| Supermarket | Base Earnings Rate per £1 | Other Benefits/Earning Routes | Good for |
| Tesco Clubcard | 1% | – Optional Tesco Clubcard Plus – 2x Cash in value with Partners | Simplicity |
| Nectar Card | 0.5% | – Many partners to earn/spend with – Weekly specific offers for points on particular products | Flexibility |
| Lidl Plus | N/A | – Rewards at various levels of monthly spend – Potential for 10% off full shop if spend £250 in month – Occasional extras with each shop | Higher Spenders |
| Co-Op Membership | N/A | – Personalised vouchers | Money off Essentials |
| MyWaitrose | N/A | – Personalised vouchers – Free Hot Drink in store – Discounts at counters | Targeted offers |
| Morrisons More | 1% | – Points Boosters give offers to earn more on specific items. | All-Rounder |
| Asda Rewards | N/A | – Missions allow cashpot to be built up as vouchers | General Savings |
| M&S Sparks | N/A | – Potential for specific food related voucher but not guaranteed | Limited Benefit |
What are the best UK Supermarket loyalty Schemes in 2025?
Best UK Supermarket Loyalty For Simplicity in 2025: Tesco Clubcard
One of the originals and still one of the best, Tesco Clubcard stands out because of just how easy it is to use, something that tends to get praised by our readers.
You don’t have to opt in to specific vouchers, you just scan at the till as you go and get a pretty good earning rate of about 1%, plus a good earning rate on fuel if you get it at a Tesco branded petrol station.
There’s also the ability to double up that value but cashing out your Clubcard points with certain retailers, making things a 2% return.
And that’s really it, which is why we like it! The only real option is to consider if it’s worth signing up to the Tesco Clubcard Plus scheme if you’re doing a few big shops a month at Tesco.
You can find more details on Tesco Clubcard, including if it’s worth signing up to Tesco Clubcard Plus at our review of if a Tesco Clubcard is worth it.
Best UK Supermarket Loyalty for specific offers in 2025: MyWaitrose
Waitrose doesn’t exactly tend to be the cheapest supermarket out there, but the MyWaitrose loyalty scheme has become absolutely excellent at providing very direct and targeted value.
The reason for this is fact the MyWaitrose card analyses your shopping history in order to reach it’s conclusions on what offers to give you each week.
As a result you’ll get money off vouchers for things you might actually buy on a recurring basis – and I particularly like this as Waitrose tend to target essential products like bread and milk you’ve got a high chance of buying.
Whilst you need to opt in to specific vouchers, they now also automatically apply at the till to make it relatively easy.
My only complaint now is that unlike most others, there’s no reward for overall spend – but you do get a free coffee on each visit.
You can see our full thoughts in our review of MyWaitrose.
Best UK Supermarket Loyalty for high spenders in 2025: Lidl Plus
This may seem a slightly odd endorsement, as Lidl is a discount German supermarket which tends to target cheaper goods.
The reason for featuring it here is that the Lidl Plus scheme offers a range of benefits at different spending points. At the highest of these (a £250 spend in a month) you’ll get a 10% discount on a full shop of up to £200.
If you use that benefit to it’s absolute maximum, this works out at about a 5% cashback rate which is easily the best offer going of any supermarket loyalty scheme – particularly as products at Lidl tend to be cheaper anyhow.
You’ll also get weekly vouchers as well as free items at spending milestones below the £250.
You can read more about the different rewards offers at Lidl as part of our Lidl Plus Review.
What about the other UK Supermarket Loyalty Schemes?
Morrisons More
Morrisons More is a good loyalty scheme with a decent earnings rate, but to get the most out of it you’ll need to go through a little bit of faff in selecting points boosters which apply to specific ranges.
However, we do think it’s a good option, especially if you’re also picking up fuel at a Morrisons.
I also think Morrisons is particularly worth looking at for new parents. Their Nutmeg children’s ranges is very good and we call out in our article on UK shops with baby discounts how the Morrisons More scheme can be extended with their baby and toddler club for further savings.
Nectar Card
Whilst a lot of people love the Nectar Card, it didn’t make our list because the base earnings rate is actually 0.5%, which is lower than other names on the list.
What is in the Nectar Cards favour is the fact that the fact it’s very simple to use, and you can also earn and spend points with a number of partners like Avios, Habitat and Argos.
Co-Op Membership
We quite like the Co-Op Membership loyalty scheme which works on a similar basis to the one offered by Waitrose where you select specific vouchers, but Waitrose throws in a few extra offers as well which leaves this just a little shorter in comparison.
Asda Rewards
When Asda Rewards launched we initially had it as one of our highest performing loyalty schemes and thought it was excellent. It’s a little unusual in that you complete various challenges to build up your cashpot, and get money back for buying very specific goods.
Unfortunately based on comments we’ve received from our readership and our own experiences, it feels like Asda Rewards slid back, as challenges are now harder to achieve and reward less.
You can still find good value here however if you target specific items.
M&S Sparks
M&S Sparks is a very strange loyalty scheme. It offers opt in vouchers, but if these are on food or not tends to be very variable and I’ve found pretty rare or very specific.
With no real ongoing reward as well for overall spend, it’s hard to recommend as a loyalty scheme even if we do like M&S products.
FAQ’s on UK Supermarket Loyalty Schemes
For a high spender it’s Lidl Plus, but this is based on you getting the 10% full shop discount, which requires hitting a £250 spend in a month.
For day to day cashback, it’s Tesco Clubcard which offers a straight 1%, but you can hit 2% by cashing in your vouchers with one of their partners.
Yes! Whilst ultimately it’s a small save on a big shop each week, it’s not unrealistic to be able to get points equivalent to at least a couple of hundred pounds each year, which pays for a family day out or a nice treat.
Ideally you’ll want to maximise cashback, but you also need to think about what supermarket is convenient for you to use locally. It may also be worth thinking about what scheme matches your shopping style and needs (do you want to save on the overall shop, or make bigger savings on specific items?
We haven’t. Most of the the major UK Supermarkets now seem to use a model where they provide additional discounts for using a loyalty card – but these can be fairly artificial and vary in extent, so we haven’t considered these.
What is your favourite UK Supermarket Loyalty Scheme?
Our UK Supermarket loyalty scheme reviews are some of the most read items on the site, and we are always slightly amazed how passionate people get about their favourites!
If you think we’ve missed something or would like to advocate for your UK Supermarket of choice we’d absolutely love to hear from you!
The best UK non-Supermarket loyalty schemes
I’ll also just highlight we have a guide featuring a list of what we think the best loyalty cards and schemes are in the UK here, so please do check that how.
And that’s it!
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