Last Updated on 25 January 2026 by Dan Wilderness
Hello everyone! Supermarket giant Tesco remains the most prolific of the UK grocers, with its Clubcard scheme one of the best known supermarket loyalty scheme.
However, with many rivals out to steal Tesco’s crown, is the Tesco Clubcard still worth it in 2026? Find out with our review and guide to the ways to maximising it’s usage.
Quick Verdict on Tesco Clubcard
The Tesco Clubcard is one of the easiest and simplest supermarket loyalty schemes to use as is a classic for a reason. It’s return is genuinely strong when partnered with reward partners, although just ok if used to redeem for money off shopping.
What is Tesco Clubcard?
Tesco Clubcard is a fairly simple spend-and-collect points type loyalty scheme that rewards you with vouchers for shopping in Tesco.
The vouchers you can get either can be for your shopping at Tesco itself, or with a number of wider partners. Some of these can actually be more rewarding and we’ll go into more detail on this below – it’s a key selling point of Tesco Clubcard though.
Over the years the scheme has grown a few arms and lengths with new additions like Clubcard prices, and a “Clubcard Plus” scheme, both of which we’ll talk about in more detail below.
How can I earn Tesco Clubcard Points?
There are four key ways to earn points:
Earn Clubcard points on Grocery Shopping
On in-store spending, you’ll earn a clubcard point for every £1 spent. When you have 150 points, these can be turned into a voucher worth £1.50 at Tesco.
Earn Clubcard Points on Fuel at Tesco
You’ll earn a Clubcard point for every 2 litres spent on fuel at a Tesco branded petrol station – Tesco tends to be cheap for fuel so it can still be a good deal, but it’s just an ok earnings rate on petrol.
Check out our guide to the best fuel loyalty apps in the UK for others!
Earn Clubcard points on Fuel at Esso (if it has a Tesco Express)
Where there’s a Tesco Express on forecourt, you can earn a Clubcard point for every £3 spent on fuel at an Esso branded petrol station.
(All numbers here are for Tesco UK. In the Republic of Ireland at least, I know you can replace the pound sign with a Euros for the equivalent earning rates).
If any readers from other countries would like to write in with details of any local differences we would welcome it!
Earn Clubcard points on EV charging at Tesco
If you drive an EV rather than a petrol car you can earn 1 per £1 spent on charging with a Pod Point charger at Tesco. You’ll need to link your Tesco Clubcard in the Pod Point app to benefit.
Tesco Clubcard Vouchers
It’s a small extra, but Tesco now are offering some additional Clubcard points (or in some cases money off) for buying specific products and using a voucher on them – but they’re a bit hidden away in the app.
If you go to the Clubcard Tab on the Tesco app, and scroll right to the bottom of the page you’ll see a section called My Coupons.
Click view all and you’ll see a full list – I’m finding I’m being offered about 5 coupons every month. Here’s a screenshot of the coupons page to demonstrate what it looks like:
In order for these to apply, you’ll need to click into each coupon and select “Add to Clubcard” for them to apply. If you’re shopping in store, these will then activate as you scan your Clubcard at the till.
If you’re doing an online shop Tesco actually make this a bit easier, as you’re prompted as to if you have any eligible coupons to use.
I’ve found the coupons generally helpful, as they often have low spend thresholds on products I was buying anyhow (or are an easy switch) and as such I’ve got a little bit of extra value out of Tesco Clubcard with minimal effort.
How much is a Tesco Clubcard point worth?
We’d make the assumption most people will get the majority of their Tesco Clubcard points through grocery shopping, which when cashing in a voucher to use at Tesco earn a 1% cashback rate or 1p per £ spent.
However, cashing in your vouchers with most partners can mean they’re worth double, and the equivalent cashback rate rises to 2% or 2p per £ spent.
Recently Tesco have also brought back their triple redemption partners with a number of restaurants (mainly high street Italian chains like PizzaExpress and Ask). This equates to a 3% cashback rate or 3p per £ spent.
How do Tesco Clubcard Vouchers Work?
As you accumulate Tesco Clubcard points they’ll accumulate in your account building up value.
Every quarter, any points that you’ve accumulated will be automatically turned into a voucher for future redemption – so 150 points = £1.50 voucher. Every extra 50 points you earn from there adds 50p to the end voucher.
Once your points are in voucher form, they have a validity of 2 years and can be then spent at Tesco or you can double your value with Tesco’s Clubcard partners (see next step).
If you want a voucher sooner than the end of the quarter because you want to spend it on something then, you can immediately convert points to a voucher in the Tesco app as long as you have more than 150 – just be aware that as soon as you do so the 2 year expiry countdown begins.
If you have vouchers due to expire, Tesco will e-mail you to alert you about this which I like.
What is the best way to cash in Tesco Clubcard points?
As per above, your points can be worth significantly more if you cash them in with other retailers rather than doing so with Tesco directly.
The range of partners is a real selling point of Tesco Clubcard, as there’s over 100 and are established brands where you’re likely to find something of interest, so it’s a real selling point of the scheme.
Obviously, this is only a sensible use if you’re intending to make a purchase with those other retailers – but if so it’s the most beneficial use of your points by far.
You can see how much your vouchers are worth by going to the Clubcard tab on the Tesco app, then scrolling down to “rewards partners”. Clicking into a category will then tell you if the vouchers can be exchanged at a 2x or a 3x multiplier.
Examples of Tesco Clubcard Plus Reward Partners
There’s quite a range of rewards partners, but here’s an illustration of a few options to show the range.
- UK Railcards (also see our review of if a UK Railcard is worth it)
- Disney+
- WWT Membership
- PizzaExpress (a 3x partner, see also our review of PizzaExpress Club)
- Cineworld Cinemas
- Charitable giving to a number of major UK carriers.
- Easyjet Holidays
Tesco Clubcard to Virgin Points Auto-Conversion
Tesco have also entered into a partnership with the Virgin group to offer an enhanced rate of earned Virgin points if you choose to enable auto-conversion of your Clubcard points into Virgin Points.
Conversion takes place at a rate of 150 Clubcard Points = 300 Virgin Points. We value Tesco Clubcard Points at 1p per point and Virgin Points at 1p per point so it does represent good value. The range of spending partners is a bit narrower with Virgin but still wide – you can save up miles with Virgin Atlantic Flying Club (click the link for more details of the scheme with our review), get some nice wine with Virgin Wines or do something very different on a Virgin Experience Day as a couple of examples.
However I’d note that you don’t have to opt into the auto-conversion in order to achieve this rate. Virgin Atlantic Flying Club is one of the Clubcard partners that offers a 2x rate as standard – so you can convert your Clubcard points as you choose.
Where there has been argument in favour of auto-converting Clubcard Points into Virgin Miles is that they have offered some pretty good bonuses for activating auto-convert (you can switch it off later).
You can find more details of the Virgin Points – Tesco Clubcard partnership and see any bonuses presently on offer for auto-enrolment at the Tesco website here.
What are Tesco Clubcard prices?
When wandering around store you’re likely to see tags for a number of items having “Clubcard prices”.
With these, Tesco simply really wants you to have a Clubcard, because once you’ve got one, it makes you more likely to feel you’re getting something back from Tesco, and therefore more likely to come back to shop there in future.
As a result, they offer reduced prices on a number of items when using a Clubcard (frequently essentials) in order to encourage you to take it up.
The reductions will apply automatically at checkout – all you need to do is remember to swipe your Clubcard at the till to activate it.
What is Tesco Clubcard Plus?
Tesco Clubcard Plus is an optional Premium service, which may be beneficial for those whose lifestyle suits doing a larger occasional shop – likely to be those with families.
With Plus you pay a regular fee of £7.99 a month, and in exchange:
- Receive 10% off two in store shops in a month (up to a maximum of a £40 discount)
- Receive double data on a Tesco mobile subscription
- Receive 10% of particular Tesco brands, notably F+F clothing.
Is Tesco Clubcard Plus worth it?
The nature of your 10% being limited to only two shops is quite limiting, and forces you to shop in a particular way.
So if you’re a “little and often” top-up shopper that likes to nip in regularly, Clubcard Plus is absolutely not worth it to you.
It’s also important to note Tesco Clubcard Plus applies to in-store shopping only. We don’t really understand why Tesco has placed this restriction, but if your big shop is generally done on either a delivery or click and collect basis you cannot use your Tesco Clubcard Plus vouchers for this.
For those using it, let’s do the math on where Clubcard Plus is worth it:
We need to cover our £7.99 a month, so that means you need to be doing at least £80 of shopping, or two £40 shops a month.
If you do regularly find yourself spending beyond £80 a month on Tesco shops (and will consistently do so) then Plus is worth it – as anything beyond that point will represent a slight saving.
I’ve signed up to Clubcard Plus myself and have found it’s saved me money although changed my shopping habits. I now try and focus on doing one big shop for the week for my family and general stock up – with the price of groceries in general having gone up, this is often over £80 and tends to take me past the break even point in a single shop.
(Note: Despite the other benefits, we’ve assumed in the above that the Tesco Mobile and F+F/Tesco Brands deals aren’t likely to be used enough to offer more than occasional value. As such we’ve discounted them, but consider if those would offer value to you.
How do I use Tesco Clubcard Plus?
If you sign up to Tesco Clubcard Plus, you’ll receive two vouchers a month which you can see in the Tesco app to apply against your in-store shop.
To find the Tesco Clubcard Plus vouchers, go to the Clubcard section of the app and tap your Tesco Clubcard. You’ll find the vouchers below the QR code for your clubcard. I’ve enclosed a picture below showing exactly where you can find the Clubcard Plus vouchers:
It’s really important to note that you must click use on one of your vouchers in order to redeem it – the 10% discount will not apply unless you do this, so don’t forget to use your vouchers!
How do I sign up to Tesco Clubcard Plus?
You can see more details about the Tesco Clubcard Plus and sign up here.
Are there exceptions to the Tesco Clubcard Plus vouchers?
Yes there are – the main ones are that they cannot be used on fuel, infant formula or alcohol if you’re buying it as part of a “6 bottles for 25% off promotion” but there are some others as well.
You can see a full list as part of the T+C’s of Clubcard Plus on the Tesco website here.
Is Tesco Clubcard worth it?
Verdict: Yes! We like Tesco Clubcard, it’s one of the more straightforward loyalty schemes to use and offers good value and good options for redemption with partners.
The best way to use your points remains with partners rather than Tesco themselves, which can be exchanged for 2x their value and definitely is the best direct use of vouchers. Lots of these are with entertainment based partners so I’ve tended to cash in my Clubcard points for a bit of a treat day.
The range of partners that you can spend your money with is varied and with places you might actually want to spend some money – which can be a danger of vouchers in other reward schemes.
Clubcard Plus is a nice add on that if you are an in-store shopper doing regular big shops actually can save you quite a bit of money – as with any subscription service just make sure you’ll use it before signing up.
We don’t really like that the Clubcard Plus discount only applies in-store though, as many shop online or with click and collect these days and we don’t feel they should be exempted from rewards.
We deducted half a star for a slightly clunky interface involving vouchers – it can be a little unclear when they’ve converted and what’s sitting as active points vs. vouchers.
Advantages
- Extremely easy to use
- Allows access to Clubcard prices
- Redemption with Partners offers some good value
- Triple points are back
- Clubcard Plus if used well can offer real savings.
Disadvantages
- Redeeming for groceries not that beneficial compared to with partners
- Fuel earnings rate just ok.
- No Clubcard Plus for Online/Click and Collect Shoppers
FAQ’s about Tesco Clubcard
Yes, it’s completely free! You’ll only pay anything if you sign up to the entirely optional Plus service – we’ve got a section on if this is worth it above.
Simply hit register for a Tesco account on the Tesco website, and you can sign up for a Clubcard as part of this.
If you sign up online or via the app, you can start earning Clubcard points immediately – although it’ll take 24 hours for the full functionality of your Clubcard to become available.
Yes, on purchases of fuel at Tesco and Esso-with-a-Tesco-Express forecourts. Details of the specific rewards rate can be found above.
Yes, you can earn 1 Clubcard point per every £1 spent on EV charging with PodPoint at a Tesco Store.
Yes, you’ll need to simply log into the same account on the Tesco app on each phone or on the Tesco website to collect Clubcard points together.
If you and your partner both have accounts and you’d like to merge them, you can contact Tesco Customer Support who can help you with merging both accounts.
Yes, once your points convert into a voucher they will expire after 2 years.
Tesco will not extend or reissue expired Clubcard vouchers so make sure you get them spent – although they are good about reminding you about expiring ones.
Any questions?
If you have any questions or would like to share your own thoughts and savings on what you’ve done with the scheme we’d love to hear from you! Just drop us a note in the comments below.
How does Tesco Clubcard compare to other Supermarket loyalty?
And if you’d like to read about other supermarket loyalty schemes, we’ve got a review of Lidl Plus here, a review of MyWaitrose here, a review of Asda Rewards here, a review of Morrisons More here and a guide to if a Nectar Card is worth it here!
And do check out our guide to the best loyalty cards and apps in the UK!
And that’s it!
Thank you for reading! You can sign up below to get our new articles delivered to you on a range of financial topics, or remember you can follow our Facebook and Twitter pages.
