You can stand to earn up to £100's each year by signing up to Supermarket loyalty schemes, and it pays to be loyal. Personally the best sceheme I believe is Nectar but there is also Tesco Clubcard.
Why Nectar over Tesco Clubcard?
Well I find Nectar has much better offers, once you download the app it will begin to suggest products you buy on a regular basis and give you 10-300 points extra for buying per item, and what's more these points stack!
They also have a range of retailers you can use via the app to collect points, from JD Sports, Argos, ASOS, Samsung, Currys, AO and many more.
You can also collect points from Ebay and there's again offers such as collect 300 bonus points or x5 on occasion for selling and making ebay purchases.
That's not forgetting collect 2 points per £1 when you spend in Sainsburys, and 1 point per £1 at Argos. Sainsburys once a year also offer double points weekends and sometimes triple points on your shopping.
Your points can be spent in Sainsburys, Argos or Ebay & if you have a Credit Card that collects Avios you can exchange your Avios for Nectar. 250 Avios = 400 Nectar points.(£2).
Sainsburys is usually a higher cost per shop than other supermarkets such as Aldi/Lidl, but I find particaurly the own brand products of Sainsburys to be vastly better in taste and quality than Morrisons, Asda or Tesco. And the Nectar card is a huge bonus.
People often think Tesco is a cheap supermarket, however if you look closely over the past few years, Tesco isn't actually cheap at all, and more in line with Sainsburys for many items.
Tesco Clubcard
That's not to say Tesco don't offer a decent scheme! The Tesco Clubcard has been going for well over a decade and now comes with the added benefit of Clubcard only pricing.
It's a little bit sneaky, as it basically reduces items (with large bottles of spirits often one of them) to special prices only if you are a Clubcard member - it's one way to ensure people sign up.
Tesco you collect 1 point per £1 spent in store, and 1 point per £2 spent on fuel. 150 points gets you a £1.50 voucher.
Like Nectar, Tesco do allow you to spend elsewhere, in the Clubcard app you can get more for your points by converting into vouchers for Cineworld, Hungry Horse or even Disney+.
But unlike Nectar, you can't collect points at other retailers, nor do you seem to get bonus points on items on a weekly basis or many offers, and I find it takes much longer to build up a balance on Clubcard than Nectar.
Co-Op Membership
The CO-OP is a store as old as time itself, and they've seemingly popped up almost everywhere across cities towns and villages in smaller locations. I quite like the CO-OP card because you are investing into the Cooperative. They run regular fundraising for the local community, and most stores have a local community champion which engages further with causes locally.
Similiar to Nectar and Clubcard you get a physical and digital card and scan when you shop. In turn you receive 2p per £1 spent, and 2p also goes back to a local cause of your choice for each £1 spent which is fantastic for the community.
Your card builds up a balance of which you can use to spend on your shop. What I like about the membership is I get offers each week such as 50p off a coca-cola purchase or £2 off a £10 shop.
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