Tesco Clubcard remains the UK's most valuable supermarket loyalty scheme in 2026, on the strength of Clubcard Prices and a two-times Reward Partner boost on vouchers. Sainsbury's Nectar runs a close second on personalised Nectar Prices, while Asda Rewards, Morrisons More and Lidl Plus each win for a specific type of shopper. This ranking scores nine major grocers on the value they return on an everyday shop, not on how generous the scheme looks on paper.
Key Takeaways (new block, insert under hero):
- Tesco Clubcard ranks first for overall value in 2026, combining roughly 1p per point with Clubcard Prices and a two-times boost through Reward Partners.
- Sainsbury's Nectar ranks second, with personalised Nectar Prices and a wider partner network including Argos, Esso and Avios, at around 0.5p per point.
- Member-pricing schemes, Morrisons More, Co-op Membership and Lidl Plus, now compete on instant shelf discounts rather than slow points.
- Aldi still runs no loyalty scheme and remains the UK's fastest-growing grocer, proof that a strong base price can outweigh a value add.
- The best scheme is the one that matches where a shopper already spends most, so concentrating loyalty at one grocer beats spreading it thinly.
So, with that in mind, let’s check out nine of the UK’s biggest loyalty schemes and see which ones offer more:
- Our guide to the 9 best supermarket loyalty schemes.
- Why are loyalty schemes important?
- Setting yourself up for supermarket success.
Our guide to the 9 best supermarket loyalty schemes
Consumers want more from their food shop. With grocery inflation at 3.1%, it’s not hard to see why. That’s why supermarkets have been strengthening their loyalty schemes – or introducing them if they didn’t have one already.
So, without further ado, here are nine of the UK’s biggest and best-known loyalty schemes, ranked.
9. Morrisons More
It’s early days for Morrisons’ latest loyalty development.
A reintroduction of their earlier Morrisons More loyalty scheme, it was initially taken off the table to make way for their more recent My Morrisons offering.
My Morrisons offered members access to personalised discounts and deals. But, following significant market shifts, it’s cle
ar that modern consumers want straight up discounts on their favourite products and brands.
Which is exactly what Morrisons More offers, and on top UK grocery brands like Cadbury and Nestlé!
Morrisons More is now fully rolled out nationally, earning 5 points per £1 plus Fivers.
Will returning to an older iteration of its loyalty scheme prove successful for Morrisons? We’ll find out.
8. Marks & Spencer Sparks
The Marks & Spencer Sparks card is a tiered offering, and one which M&S recently had to revamp to provide much-needed clarity.
The scheme offers shoppers a range of benefits, including personalised discounts, treats, and charity donations on their behalf. Plus, every week, one member who swipes their Sparks card will win their shopping for free.
There’s also a new premium level in the works, called Sparks Plus. This level offers shoppers additional benefits like unlimited deliveries and a monthly £10 voucher. But, unlike the standard offering, members will have to pay an annual fee to unlock this tier.
7. myWaitrose
This is another loyalty scheme that doesn’t focus exclusively on instant savings. Instead, with myWaitrose, members get access to weekly vouchers, which offer personalised discounts based on shopping habits.
And there are some quick wins that all members can enjoy. Namely, these include 20% off selected counters in-store and free hot drinks with purchase.
6. Lidl Plus
Lidl has big plans. As well as forging ahead with its ambitious UK expansion, the discounter is continuing to strengthen its market positioning through initiatives like Lidl Plus.
The Lidl Plus rewards app is all about making big savings even bigger. Each week, shoppers get sent personalised vouchers on own brand products, plus access to exclusive competitions and prizes.
Lidl Plus moved to 1 point per £1 spent from 5 May 2026, alongside coupons and prize draws.
5. Co-op Member Prices
One of the latest to throw a hat in the loyalty ring, Co-op recently launched its new Member Prices initiative.
As part of a push to support customers through the cost-of-living crisis, the scheme gives members access to price cuts across product lines. And, according to the retailer’s own calculations, these exclusive promotions will save the typical shopper up to £300 a year.
The catch? A one-off £1 fee when you sign up. This makes it the only supermarket on the list to charge a joining fee for its loyalty scheme.
4. Iceland Bonus Card
The Iceland Bonus Card works a little differently to its competitors. While it does offer lower prices, competitions, and free home delivery for Bonus Card members, it’s also the only loyalty scheme here that helps shoppers budget too.
And, not only are there several ways to top up your Bonus Card savings account, but members also get £1 back for every £20 they deposit! In that sense, it’s not all about better value for money. It’s also about offering Iceland customers peace of mind, whether they’re in-store or not.
3. Sainsbury’s Nectar Prices
In a bid to compete with the country’s most successful loyalty schemes, Sainsbury’s has switched up its Nectar Card offering.
Previously, Nectar Card holders and app downloaders could earn points to spend with partner brands, like Caffe Nero or Argos. Now, with the introduction of Nectar Prices, members can also enjoy lower prices across a range of products.
Discounts have so far included more than 50% off Nescafe Gold and big savings on essentials like baked beans.
Nectar Prices now run across thousands of personalised lines, redeemable instantly at the till.
2. Asda Rewards
Another relative newcomer to the game, Asda Rewards has managed to make an impact on shoppers already. With its ‘Pounds, Not Points’ approach to loyalty, Asda Rewards is a scheme that offers shoppers something slightly different.
When members shop, they earn money back on so-called ‘Star Products’ in an in-app Cashpot. Any money accumulated in this Cashpot can then be redeemed against their shopping. Other ways to earn include completing ‘missions’, which offer rewards of between £1 and £5 for buying from certain categories.
So far, the initiative has proved to be a big success.
But it’s not just that the offering helps customers save on their shopping; Asda is also clearly listening to consumers. The reintroduction of the £5 ‘First Scan Bonus’ (which contributed more than £2 million to shoppers’ Cashpots back in February) is proof of that.
1. Tesco Clubcard
Despite Tesco dropping the value of its loyalty points, the Tesco Clubcard remains an undisputed champion.
If it’s savings that shoppers want (and they do), the simple fact is that the more discounts supermarkets offer, the better. And, according to retail researcher Assosia, Tesco offers exclusive member discounts on 8,000 product lines.
But that’s not all the scheme offers. As well as Clubcard Prices, members can build up Clubcard rewards points to claim at the likes of Pizza Express, Fitbit, and even Alton Towers.
Admittedly, shoppers can’t accumulate rewards points as quickly as they once could. This is a shift some consumers aren’t all that happy with.
But still, there’s no denying that Tesco’s more established offering ticks a lot of the right boxes. That’s why an impressive 80% of all their UK shoppers are currently signed up to their loyalty scheme.
Why are loyalty schemes important?
In this time of strained budgets and tightened purse strings, a loyalty scheme can go a long way.
Consumers are less concerned with convenience and shopper experience than they used to be. For many, it’s all about getting as much for their money as they can. Which is why so many supermarkets have introduced or improved their loyalty offerings.
This is the same commercial shift shaping the wider FMCG industry.
Here are some of the advantages loyalty schemes can offer supermarkets who are competing for consumer attention and sales:
- Customer retention.
- Increasing customer engagement.
- Customer data collection.
- Encouraging customer spend.
- Enhancing brand loyalty.
But, true as this may be, it’s worth noting here that Aldi is now the UK's fourth-largest grocer and still runs no loyalty scheme.
With its rapidly increasing market share, Aldi is testament to the fact that brands don’t necessarily need to offer more to enjoy popularity. If the offering is already strong enough to attract consumers during difficult times, then there might not be any need for a value add.
Setting yourself up for supermarket success
The battle for supermarket supremacy is far from over.
And, with competition comes shifts in the market. The uptick in supermarket loyalty schemes is just one example.
In reaction to these trends,"we've seen an uplift in requests for national account managers with discount and grocery experience and wider FMCG sales roles."
FAQ
Which UK supermarket loyalty scheme is best in 2026?
Tesco Clubcard is the most valuable overall in 2026, because Clubcard Prices cut shelf prices on thousands of lines and a two-times Reward Partner boost lifts voucher value. Sainsbury's Nectar is a close second for shoppers who also use partners such as Argos. The best scheme depends on where you already shop most.
Is Nectar or Clubcard better value?
Clubcard wins on clean supermarket maths, at roughly 1p per point plus Clubcard Prices, while Nectar wins on flexibility, at around 0.5p per point but usable across Argos, Esso and Avios partners. A Tesco-heavy shopper gains more from Clubcard, and a Sainsbury's-and-partners shopper gains more from Nectar.
Does Aldi have a loyalty scheme?
Aldi runs no loyalty scheme and has no plans for one, relying on low base prices instead. It remains one of the UK's fastest-growing grocers, which shows a strong everyday price can outperform a points programme for many shoppers.
Do supermarket loyalty schemes actually save money?
Member-pricing schemes such as Clubcard Prices, Nectar Prices and Morrisons More deliver the clearest savings, cutting shelf prices instantly rather than building slow points. Cashback schemes like Asda Rewards and save-as-you-spend schemes like the Iceland Bonus Card suit specific habits, so value depends on matching the scheme to how you shop.
About the Author
This guide was written by the Advocate Group consumer and retail recruitment team, specialist recruiters who place buyers, merchandisers and category managers across UK homeware, furniture and wider consumer goods. The team maps concentrated buying markets, benchmarks retail buying salaries and advises employers on reaching the passive, high-performing candidates who never reach a job board.
Are you looking to expand your teams?
Get in touch to speak to one of our specialist FMCG recruitment consultants!
London: 0207 871 8000
Liverpool: 0151 209 2055
Manchester: 0161 639 0080
Email: workwithus@advocate-group.co.uk
