Nectar vs Clubcard: which loyalty card gives you more?
Rules checked 6 Oct 2026 to 8 Oct 2026 · How we verify
The verdict
For value, Clubcard. A Clubcard point is worth 1p, twice as much as a Nectar point’s 0.5p, and both collect 1 point per £1 at their own supermarket. So £100 at Tesco earns 100 points (£1), against 100 points (50p) at Sainsbury’s. Vouchers exchanged with a Reward Partner are worth up to 2x, so a point can be worth up to 2p.
For reach, Nectar. Nectar collects 1 point per £1 at Sainsbury’s, Argos, Habitat and Tu, so one card covers your groceries, Argos and more. Clubcard’s usual rate is for Tesco, F&F, Tesco Café, Tesco Pharmacy and Tesco Mobile.
Points last longer on Clubcard. Clubcard points are lost when an account goes 2 years unused, Nectar points after 12 months. Using a card at least once a year keeps both.
So carry both. They are separate schemes, and each earns only at its own shops and partners, so which card to use is decided by where you shop. Use Nectar at Sainsbury’s, Argos, Habitat and Tu, and Clubcard at Tesco.
Nectar and Clubcard side by side
| Feature | Nectar Card | Tesco Clubcard |
|---|---|---|
| A point is worth | ||
| A point is worth | 0.5p | 1p, or up to 2p through Reward Partners |
| Usual rate | ||
| Usual rate | 1 point per £1 at Sainsbury’s, Argos, Habitat and Tu | 1 point per £1 at Tesco, F&F, Tesco Café, Tesco Pharmacy and Tesco Mobile |
| £100 earns | ||
| £100 earns | 100 points (50p) | 100 points (£1) |
| Fuel | ||
| Fuel | 0.5p back a litre (1 point per litre at Sainsbury’s petrol stations) | 0.5p back a litre (1 point per 2 litres at Tesco petrol stations) |
| At Esso | ||
| At Esso | 1 point per litre, and 2 points per £1 in the shop, at participating Esso sites, except those with a Tesco Express | 1 point per £3, at Esso sites with a Tesco Express |
| Points expire | ||
| Points expire | After 12 months unused | After 2 years unused |
| Spend from | ||
| Spend from | 500 points (£2.50) | 150 points (£1.50 in vouchers) |
| Spend at | ||
| Spend at | Sainsbury’s, and partners including Argos, Esso and British Airways | Tesco shopping and fuel, or 100+ Reward Partners at up to 2x |
| Bonus offers now | ||
| Bonus offers now | 5 | 2 |
Where each card collects
Nectar Card: 13 companies we list
Tesco Clubcard: 12 companies we list
Fuel, and which card to use at Esso
At their own supermarkets’ petrol stations they pay the same: 1 point per 2 litres at Tesco petrol stations and 1 point per litre at Sainsbury’s petrol stations are both 0.5p back a litre, or up to 1p a litre on Clubcard through Reward Partners. At Esso, the site decides: Esso sites with a Tesco Express pay Clubcard points (1 point per £3), and other participating Esso sites pay Nectar points (1 point per litre, and 2 points per £1 in the shop).
Esso is the one place where the two schemes meet. Esso’s own page says Nectar points are collected at participating Esso sites across Great Britain, except those with a Tesco Express shop attached, so check the shop before you pay.
The biggest always-on rewards
Both schemes have partners that pay a fixed number of points for a big purchase or a switch, worth far more than 1 point per £1, with no end date. Compare the deal itself first: points are a bonus, not a reason to pay more.
Nectar Card
Ambassador Cruise Line: up to 150,000 points, worth £750
Collect up to 150,000 Nectar points when you book a cruise with Ambassador Cruise Line, from 1,500 points on bookings under £250.
No end date published · Checked 8 Oct 2026
Sky: 10,000 points, worth £50
Collect 10,000 Nectar points when you take Sky Ultimate TV with Sky Full Fibre 500 broadband.
No end date published · Checked 8 Oct 2026
Sainsbury's Energy: up to 8,000 points, worth £40
Collect up to 8,000 Nectar points (4,000 per fuel) when you switch to a 24-month Sainsbury's Energy Fix & Reward tariff.
No end date published · Checked 8 Oct 2026
Worth shown at 0.5p a point.
Tesco Clubcard
Vauxhall: 50,000 points, worth £500
Earn 50,000 Clubcard points when you buy a new Vauxhall
No end date published · Checked 7 Oct 2026
OVO Energy: 40,000 points, worth £400
Collect 40,000 Clubcard points when you buy solar panels from OVO Solar and Heating.
No end date published · Checked 8 Oct 2026
Pod: 2,500 points, worth £25
Collect 2,500 Clubcard points when you sign up to a Pod Drive home EV charging subscription.
No end date published · Checked 7 Oct 2026
Worth shown at 1p a point. Vouchers exchanged with a Reward Partner are worth up to 2x.
Bonus offers running now
Nectar Card
Double Nectar points on your basket at Argos, in store (including Argos in Sainsbury's) and online, and on Habitat and Tu products at Argos. Not on phone or live chat orders.
Ends Tue 13 Oct 2026 · Checked 8 Oct 2026
Double Nectar points on your basket at tu.co.uk and on Tu products at Argos stores. Not on Tu in Sainsbury's supermarkets.
Ends Tue 13 Oct 2026 · Checked 8 Oct 2026
Double Nectar points on your basket at habitat.co.uk and on Habitat products at Argos stores.
Ends Tue 13 Oct 2026 · Checked 8 Oct 2026
Tesco Clubcard
£40 in Clubcard points when you buy a new Tesco Pet Insurance policy direct, with the code shown on Tesco's homepage (not through comparison sites; up to 3 pets).
Ends Mon 30 Nov 2026 · Checked 8 Oct 2026
Double Clubcard points on Supreme+ fuel at Esso service stations with a Tesco Express: collect 2 points for every £3 you spend (normally 1).
No end date published · Checked 7 Oct 2026
Nectar vs Clubcard FAQ
Is Nectar or Clubcard better?
Clubcard gives more back: at the same 1 point per £1, its points are worth 1p, twice as much as Nectar’s 0.5p, and up to 2p through Reward Partners. Nectar collects in more big shops: Sainsbury’s, Argos, Habitat and Tu. Clubcard points also last longer: 2 years unused, against 12 months. Each card earns only at its own shops and partners, so carry both and use the one for where you shop.
Are Clubcard points worth more than Nectar points?
Yes, twice as much: a Clubcard point is worth 1p in vouchers and a Nectar point 0.5p. So 1,000 Clubcard points are £10, or up to £20 through a Reward Partner, and 1,000 Nectar points are £5.
Is Nectar or Clubcard better for fuel?
At their own supermarkets’ petrol stations they pay the same: 1 point per 2 litres at Tesco petrol stations and 1 point per litre at Sainsbury’s petrol stations are both 0.5p back a litre, or up to 1p a litre on Clubcard through Reward Partners. At Esso, the site decides: Esso sites with a Tesco Express pay Clubcard points (1 point per £3), and other participating Esso sites pay Nectar points (1 point per litre, and 2 points per £1 in the shop).
Can you have a Nectar card and a Clubcard?
Yes. They are separate schemes, and each earns only at its own shops and partners, so use Nectar at Sainsbury’s, Argos, Habitat and Tu, and Clubcard at Tesco. At Esso, use whichever the site takes.
Every rate, value and rule was read on the scheme’s own website or in its terms (both on 6 Oct 2026), and the Esso and Sainsbury’s fuel rules on 8 Oct 2026 (Esso: loyalty schemes, Nectar: Sainsbury’s). Every UK scheme we cover is compared in our loyalty points value index and points expiry rules.