Tesco Clubcard, Sainsbury’s Nectar and other best customer loyalty cards to save money this year

We’re all probably guilty of chasing a bargain at times.

Whether it’s stamps spread across three identical cards for the same cafe or a supermarket card faithfully hanging from your keys, we all probably have more loyalty cards in our wallets than we need.

But it’s worth knowing exactly what some of the UK’s leading customer loyalty cards actually get you – because some offer more than others.

Here’s a breakdown of the main customer loyalty cards for stores in the UK and what they give you.

Tesco Club Card

Tesco’s Clubcard scheme allows customers to collect one point for every £1 spent in stores or online and one for every £2 spent on fuel. Each point is worth a penny when buying items from Tesco – so for example a £60 store will earn you 60 points, or 60p.

You will receive vouchers based on the number of points you have accumulated every three months or you can convert points into vouchers via the Clubcard app.

However, Clubcard points can also be redeemed for three times the value with Tesco rewards partners including Pizza Express, Disney Plus and Cineworld using the code on the vouchers.

For example, you can turn every 50p you have in points into £1.50 to spend at Zizzi, Prezzo, Pizza Express or other restaurants. You can also redeem a £1 Clubcard voucher for £3 to spend on a Railcard 16-25.

Sainsburys Nectar Card

An old Sainsbury’s Nectar card

The Nectar card is better known as the Sainsbury’s loyalty card, but you can actually collect points from hundreds of different brands including Argos, eBay and Expedia (in most cases this only applies when you shop online). For a full list of brands, click here.

With Nectar you get one point for every pound spent at Sainsbury’s in-store and online and one point for every liter of fuel purchased. One point is worth 0.5 pence, so 500 points equals £2.50.

My Morrisons

With the old Morrisons More card, you were awarded five points for every £1 spent in-store, online or at the cafe.

You also received five points per liter of fuel and for every 5,000 points earned Morrisons gave you a £5 voucher, known as Morrisons Fiver. You can also earn points on selected products and promotions.

However, the supermarket chain revamped its loyalty program in May 2021, so instead of collecting points on your Morrisons More card, you’ll receive digital coupons through the My Morrisons app. These vouchers can be used immediately to save money when shopping in-store.

Digital offers are personalized based on your shopping preferences. You should therefore receive coupons that allow you to benefit from a discount on the products you usually buy in stores. You can scan the app at checkout for all eligible offers to be applied instantly.

Iceland Bonuses

The Iceland Bonus program works slightly differently in that you receive a £1 bonus every time a total of £20 in savings is added to your savings balance.

Your reward is credited to your account and you can use it along with your preloaded cash to pay for in-store purchases at Iceland or The Food Warehouse.

Cooperative Membership

A cooperative in Cardiff

The Cooperative’s member loyalty program reimburses you for your purchases rather than giving you points. 2p for every pound you spend on selected products and services goes into your co-op membership account, and the co-op donates the same amount to support community organizations and local causes.

You can spend the rewards you earn on most things you buy, not just Co-op products, or you can donate them.

Other benefits include having a say in running the business and claiming its profits.


MyWaitrose cards do not offer points but do have other benefits such as sending relevant vouchers and coupons based on your spending history each month and a free newspaper when you have spent over £10.

Under the old “choose your deal” program, customers could select ten items out of hundreds to get 20% off each time they purchased, but this has since been discontinued.

Lidl loyalty program

Although it doesn’t have a loyalty card, the Lidl Plus app lets you activate offers and collect points using a digital loyalty card when you’re at the checkout.

The app allows you to collect points – spending £100 a month gets you £2 in credit, while £200 would get you £10.

You will also save by activating coupons that offer around 10-20% off on certain items. However, these are not based on what you have purchased previously, so they may not be suitable for everyone.

Boots Advantage Card

With the Advantage Card, you earn points every time you make a purchase at Boots online or in store. You will receive four points for every £1 spent, so spending £20 will earn you 80 points. This makes the Avantage Card one of the most generous on the market.

There are also Mega Points weekends where you can earn extra Advantage points for spending more than a certain amount in-store or online – an extra 1,000 points for spending £50, for example.

However, you cannot earn points on prescriptions, dairy powders, gift certificates, plastic bags or insurance.

You also cannot use your Advantage points to pay for part of an item – you need enough points to cover the full cost.

The points on the card are automatically deleted after two years if the card is inactive during this period.

Superdrug health and beauty card

Superdrug in Liverpool

The Superdrug Health & Beauty card allows you to collect points in store or online. You can earn one point for every £1 spent and each point is worth 1 pence. Points can be redeemed in multiples of 100, so you can use 100 points to get £1 off or 200 points to get £2 off.

Unlike the Boots Advantage program, you can pay with a mix of points and cash, meaning you don’t have to wait until your balance is exactly right to use them.

Nando’s Map

With the Nando’s Loyalty Card you earn a ‘chili’ every time you spend £7 or more on your meal.

You can only collect one chilli per customer per day, so even if you spend £14 you will still only get one stamp. So if you’re dining with another Nando cardholder, be sure to pay separately to maximize the chili wins.

You will claim a reward when you get a certain number of peppers – for example, three peppers get you 1/4 chicken or entree, six peppers get you 1/2 chicken or any wrap, burger or pitta, while than ten chilies nets you a whole chicken or a simple combo meal with regular sides.

Metro Rewards

Formerly the undercard, Subway Rewards allows you to get free items by accumulating enough points. You get ten points for every £1 you spend on orders.

100 points gets you a free hot drink, 200 points gets you a free snack, 500 points gets you a free six-inch sub, flatbread or salad, and 1,000 points gets you a free sub or flatbread free.

Waterstones Plus Card

With the Waterstones Plus card you get one stamp for every £10 spent. Ten stamps will get you £10 off your next purchase.

Costa Coffee Card

Costa Coffee introduced a new loyalty program in September 2021 which replaced the points program with “beans”. Costa Club members will receive a bean for each hot or cold drink.

Once a Costa Club member has won eight beans, customers will receive a voucher for a free barista drink of any size.

Cafe Nero Card

The Caffè Nero loyalty card is a loyalty card that can be used to collect stamps for all drinks prepared by a barista.

Once nine stamps have been collected, a free hot drink of any size will be won.

Starbucks Rewards

The famous Starbucks brand

Similar to other major coffee chains, Starbucks gives you “stars” when you buy drinks which can then be redeemed for in-store items. You get three stars for every pound spent, and you need 150 stars to get a free drink.

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