Top 10 Supermarket Loyalty Cards in 2025 Ranked by Savings

There’s no longer such a thing as a full-price shopper in Britain — not really. We’ve all learned the game.

Swipe your Clubcard, scan the Asda app, punch in your Nectar number — and suddenly the total drops. Maybe by £2, maybe by £12. It depends what you’ve bought, whether you checked your offers this morning, and if you remembered that Sainsbury’s swapped out your usual biscuits for their new own-brand version.

This isn’t just a points race anymore. It’s a behavioural war.

In 2025, supermarket loyalty programs have stopped being rewards schemes and become pricing engines. You’re no longer collecting stamps like it’s a coffee shop. You’re part of a database that reconfigures the price of milk depending on your past three shops — and whether you bought cereal with it.

Some shoppers find this intrusive. Others swear by it. Most, truthfully, don’t think about it much at all. They just know it works.

But which supermarket loyalty schemes are worth it in practice — not just in theory? And who’s actually giving something back, instead of just tracking you in return for a 20p voucher?

Let’s break it down.

💳 Before We Rank Them: The Rules Have Changed

Here’s what loyalty looked like ten years ago:
You spent money. You got points. You waited. Eventually, those points turned into some sort of half-useful voucher — usually after they’d expired or required a minimum spend.

Fast forward to now. You don’t need to earn points to benefit. You just need to be logged in. If you’re not scanning your loyalty app at the till, you’re basically getting penalised. This is true at Tesco. It’s increasingly true at Asda. And other retailers are heading the same way.

So yes — the word “loyalty” is still on the card. But what these programs really do in 2025 is segment shoppers. They turn you into a data stream — and price accordingly.

That’s not necessarily a bad thing. But it does mean your savings are no longer fixed. They’re personal. Variable. Invisible, even — unless you’re paying attention.

🧾 The Programs That Actually Deliver in 2025

We analysed more than a dozen major UK and global supermarket loyalty schemes. We tested apps. We scanned receipts. We spoke to customers. And we asked a question that nobody seems to ask anymore: are these saving us money — or are they just making us feel like we are?

🥇 1. Tesco Clubcard – The System That Became the Shelf Price

There’s no avoiding it. Tesco Clubcard is no longer optional — it’s structural. Walk into any Tesco today and take a look at the price tags. You’ll see two prices. One for the people who scan. And one for those who don’t.

The difference? Sometimes pennies. Often pounds.

You don’t even need to use the points to win. The value now lies in the Clubcard Prices — instant, no-wait reductions that feel more like discounts than rewards. And it works. More than 20 million people are active users. Tesco doesn't even try to hide how dependent their model is on it anymore.

What changed in 2025:

• The Clubcard app now personalises offers using your purchase history. Buy spinach three weeks running? Expect a 20p off deal next week.

• Tesco dropped its paid "Clubcard Plus" quietly after failing to gain traction. Instead, they doubled down on free app perks and app-only deals.

• New partner bonuses include Uber, PizzaExpress, and Hotels.com — turning the grocery program into a low-key lifestyle pass.

📉 What it means at the till:
Weekly shoppers report saving £5–£10 per week just from Clubcard Prices — not including point redemptions. Over a year, that’s £260–£500, depending on the basket size.

“It’s not just about savings anymore,” says Amanda T., a working mum from Manchester. “It’s about not feeling ripped off. If you forget to scan your Clubcard, you feel like you’ve been mugged.”

Final verdict: Still the best. But not in a cute, cosy way. It’s best because it’s built into the system now. Don’t use it? You’re paying more — full stop.

🥈 2. Asda Rewards – The Quiet Cashback Machine

No points. No converting. No games. Just pounds, in a pot.

Asda Rewards has taken a different route — and it’s paid off. Instead of making you collect, wait, and redeem, it gives you cash inside your app. They call it a Cashpot. You earn by completing missions, buying “star products,” or simply hitting a spend goal.

It’s not flashy. But it’s real.

What changed in 2025:

• Tiered missions rolled out — you now earn more the more consistently you shop

• Cashpot sync now works across departments: food, pharmacy, clothing

• Family mode added: multiple accounts now feed one pot

• Total savings distributed to users hit £420 million, according to internal Asda data shared with analysts in March

“I’ve saved £190 since New Year’s,” says Jordan F., a uni student in Leeds. “It’s not life-changing, but it’s paid for a few Friday takeaways.”

📊 Typical savings: £250–£350/year, if you engage with the app weekly

Final verdict: You won’t get the same branded experience as Tesco. But you will get cash. And if you shop habitually, the missions feel like part of your routine — not a trick.

🥉 3. Sainsbury’s Nectar – The Long Game

There’s something slightly enigmatic about Nectar. It’s not loud. It doesn’t give instant gratification. But it’s woven into more corners of your life than you might realise.

Yes, it works at Sainsbury’s. But also at eBay, Argos, Vinted, British Airways, Esso and a dozen other places. You could be earning points and not even notice.

In 2025, Nectar got smarter. The app now syncs with SmartShop, offers dynamic discounts based on your browsing, and gives bonus points for completing seasonal challenges. The tech is catching up with Tesco, if a little slower.

“I never remember to use it,” admits Sam K., a Nectar user since 2013. “But when I do check my balance — it’s usually enough for a decent voucher.”

What changed in 2025:

• Auto-linking to partner brands is now seamless — no more inputting card numbers manually

• “My Nectar Prices” offers are now curated weekly, not monthly

• New redemptions include Vinted credit and Sainsbury’s Tu clothing

📉 Estimated savings: £120–£180/year, with regular use and partner brand redemptions

Final verdict: It’s not thrilling. But if you shop widely — and pay attention — Nectar has reach that no other program can match.

🏅 4. Lidl Plus – The Loyalty Card That Thinks It’s a Game

Open the app. Tap a scratchcard. Spin for a chance at £5 off nappies. You don’t always win, but when you do, it feels personal.

Lidl Plus doesn’t behave like a loyalty program. It’s more like a nudge engine — designed to surprise you just enough to keep you opening it. There’s no points balance to watch. Just an inbox full of digital rewards that pop up, disappear, and occasionally land right when you need them.

In 2025, Lidl Plus added something new: rhythm. If you shop weekly, it notices. If you don't, it tempts you back. It’s not a loyalty program. It’s a conversation.

“I’ve walked out with £6 in discounts on a £32 shop,” says Chris L., a father of three in Croydon. “I didn’t plan it — but I’ll take it.”

New in 2025:

• Behaviour-driven deals: Offers now triggered by gaps in shopping habits

• Meal plan tie-ins: Recipe of the week suggestions match in-app coupons

• Streak bonuses: Shop three consecutive weeks and unlock bundle discounts

📉 Typical savings: £140–£210 annually, depending on how often you scan and scratch

Verdict: If you enjoy unpredictability — or just want regular small wins — Lidl Plus keeps it interesting. And occasionally, generous.

🎖 5. Iceland Bonus Card – Free Money, If You’re Disciplined

It doesn’t feel new. That’s because it isn’t. But Iceland’s Bonus Card has a kind of old-fashioned brilliance that still works. You pre-load money. They reward you for doing so. That’s it.

There are no stars, no spins, no personalised emails about your freezer preferences. But there’s one thing no other program gives quite like this: certainty.

“I top up £20 every payday,” says Aimee D., a carer in Gateshead. “By the end of the year, I’ve got enough for Christmas dinner and half the drinks.”

What’s different now:

• App integration: Top-ups and balance checks now done from your phone

• New loyalty slots: Certain products now come with top-up bonuses

• First dibs on festive deals: Bonus Card holders get early access to flash freezer sales

📉 Annual reward value: £120–£260 depending on how often and how far in advance you save

Verdict: It’s not about thrills. It’s about families who plan ahead — and like knowing their loyalty pays out, on schedule.

🎯 6. MyWaitrose – The Feel-Good Fringe Club

You don’t use MyWaitrose to save money. You use it because you believe shopping shouldn’t feel like a battlefield. It’s slow, quiet, slightly smug. And that’s kind of the point.

Forget points. There aren’t any. What you get instead: a free coffee (still), curated wine discounts, and a distinct sense that your groceries were meant to be placed gently into a cotton bag — not flung into plastic.

“It’s a bit like using Amex at a petrol station,” says Oliver M., a freelance food writer. “Not necessary — but oddly satisfying.”

2025 changes:

• Club-only discounts expanded: Including wine cases, fresh bakery, deli items

• Partner perks: Shell fuel vouchers and cross-promos with John Lewis events

• Express lanes: Some stores now reserve self-checkouts for members on weekends

📉 Expected value: £60–£110 per year depending on use of higher-margin offers

Verdict: More vibe than value. But if you’re the sort of person who says “I don’t mind paying more if the service is better,” this one’s for you.

🧴 7. Boots Advantage Card – Where Points Still Mean Prizes

There’s something retro about Boots Advantage. It’s one of the last major cards that still talks in points — 4 points per £1, to be precise — and it hasn’t tried to rebrand itself into some lifestyle microcosm.

Instead, it quietly adds up in the background. Especially if you’re buying nappies, toothpaste, or shampoo in bulk.

“The only reason I have £20 in points is because I had a baby,” says Emily S., a new mum from Sheffield. “I didn’t do anything clever. I just bought wipes.”

2025 updates:

• Baby Club boosters: 2x points on all baby-related purchases

• Digital receipts = instant vouchers: No more waiting for paper coupons

• Tiered system added: Spend thresholds unlock additional quarterly perks

📉 Likely return: £90–£180/year if you shop monthly and use event bonuses

Verdict: Not glamorous. But quietly generous — and sneakily one of the highest earners on everyday items.

🌎 8. PC Optimum – The Canadian Gold Standard

Yes, it’s not British. But PC Optimum keeps showing up in loyalty rankings for one reason: it works. And it works everywhere.

From Loblaws to Shoppers Drug Mart, to petrol stations and even your phone contract — PC Optimum wraps your entire life into one reward ecosystem.

“It’s not loyalty,” says Jamie R., a tech consultant in Toronto. “It’s infrastructure.”

What’s new:

• Personalised rewards: More dynamic app offers based on time of day

• Financial tie-ins: Spend on PC Financial, get automatic cashback multipliers

• Digital combo stacking: You can now apply two offers at once on select items

📉 Average annual benefit: C$320–C$500, often without trying

Verdict: The benchmark for integrated loyalty. The UK isn’t there yet — but it’s where things are heading.

✈️ 9. Everyday Rewards (Australia) – Groceries That Fly You Places

Australian shoppers have been doing something that would blow a British shopper’s mind: turning their grocery runs into frequent flyer points.

Everyday Rewards, run by Woolworths, connects directly to Qantas. Buy bananas — earn miles. Spend enough — and next summer’s holiday might just be covered.

“I upgraded to Premium Economy with points from cheese and dish soap,” laughs Zoe P., a 33-year-old mum in Sydney.

2025 enhancements:

• “Boost” bonuses expanded to include pet food, homecare and kids’ snacks

• Paid tier offers 10% off your biggest monthly shop and free shipping

• Flybuys and Qantas integration now synchronised in-app

📉 Earned value: AU$400–AU$700 per year, more with upgrades

Verdict: A different league. Not just about groceries — about mobility, and stretch value.

🏁 Honorable Mention: Co-op – Still About People

We covered it earlier. But let’s be honest — Co-op isn’t competing in the same space. It’s not about undercutting Tesco or rolling out shiny apps. It’s about reminding you that shopping is local, and that your £2 can ripple outward.

In 2025, the app now shows how your purchase contributed to a school breakfast club or a neighbourhood fridge. You can literally see the impact in your postcode.

It’s loyalty, with a conscience.