Tools

What are your loyalty cards actually worth?

Points and member prices are different maths. Put in your weekly spend at each shop and see both, card by card, using each scheme's own published rates.

Roughly what you spend a week at each shop, at normal prices. Leave the rest at £0.

Tesco · Clubcard

Sainsbury's · Nectar

Asda · Asda Rewards

Morrisons · More Card

Co-op · Co-op Membership

Waitrose · My Waitrose

Lidl · Lidl Plus

Aldi

Iceland · Bonus Card

Boots · Advantage Card

Other shop

Items in a typical Morrisons shop

More Card points are per product (5 each), not per pound — so we need a count, not a spend.

Share of your basket on member prices%

Typical member discount our assumption10%

The CMA found the average member saving on a loyalty-priced item was 17–25%. We start lower because not every "member price" item is one you'd have bought at full price.

I spend Clubcard vouchers with Reward Partners (usually double value)

Your loyalty cards

Estimated value a year

£0

This is an estimate, not a promise. Points use each scheme's published rate, read from its own pages on 29 October 2026: Clubcard 1 point per £1 at 1p; Nectar 1 point per £1 at 0.5p; More Card 5 points an item, 5,000 points for £5; Boots 3 points per £1 at 1p. Asda Rewards, Co-op, My Waitrose and Iceland have no fixed earn rate, and Lidl doesn't publish a cash value for Lidl Plus points, so we show their member prices only and don't invent a figure. Points are counted on what you pay after member savings. Your share and discount are assumptions — change them. Nothing you type leaves this page. Read the guide: are member prices really cheaper?

Read the full guide: Supermarket loyalty prices: are member prices really cheaper?. More money tools.