Best supermarket loyalty schemes compared 2026
Tesco Clubcard, Sainsbury's Nectar, Lidl Plus and more — here is how the main UK supermarket loyalty schemes stack up in 2026.
· 1 min read
The main UK supermarket loyalty schemes — Tesco Clubcard, Sainsbury's Nectar, Waitrose myWaitrose and Lidl Plus — all offer genuine savings but work differently. Clubcard and Nectar give points on every purchase that convert to vouchers, while myWaitrose offers member-only prices on selected lines. Lidl Plus delivers personalised weekly coupons in the app rather than a traditional points system. All four are free to join and worth carrying.
To get the most from any scheme, scan your card consistently and check for personalised offers before each shop. Tesco Clubcard vouchers can be stretched further by exchanging them for partner rewards at a typical 3:1 rate through Clubcard Rewards. Whichever scheme you use, the core rule applies: only buy what you planned to buy anyway, and let the points be a bonus rather than a reason to spend more.
General guidance only
This guide contains general consumer information and is not financial, legal or professional advice. Always check official sources and consult a qualified professional if you need guidance specific to your situation.