We've analysed the credit cards available in the UK, in order to find cards for saving money on your grocery shopping. The cards below reward grocery spending in different ways — one earns a flat rate across all spending, the other a higher rate at specific retailers.

Disclaimer: Comparisons in this article are based on publicly available information believed accurate at the time of publication and may change without notice. Please confirm current details with the relevant providers before deciding. All trademarks are the property of their respective owners.

ClearScore is a credit broker, not a lender.

Grocery Credit Cards

In pound terms, the average UK household now spends £4,026 a year on food at home and £1,542 on food out (takeaways or restaurants), totalling an annual food budget of £5,568. These updated July 2026 benchmarks show that food spending is significant for British households, so it makes sense to try to earn rewards on this spending.

With that in mind, we analysed the grocery credit cards in the marketplace and found that the following cards offer rewards in their respective categories. Keep in mind that the average UK household spends around £800 per month on their credit card, according to FICO. Actual results may vary depending on how you use a card. Which card earns more depends on how much of the spending falls at a single retailer versus across different shops.

Nectar Credit Card

With the Nectar Credit Card, cardholders earn around 1% rewards on all spending, wherever American Express is accepted. The welcome bonus of 20,000 Nectar points (earned when you spend £2,000 in the first three months) is worth £100. While not technically a grocery card as it's not co-branded with a grocery chain, the rewards you earn are Nectar points, the same rewards program used by Sainsbury's. One other notable feature of this card is that you get flexibility to shop at different grocery chains. You'll earn the same 1% rewards rate on all shops, regardless of brand. While you are not limited in how you earn points, you can only redeem points at one grocery chain (Sainsbury's) or other Nectar partners.

We estimate that cardholders can earn Nectar points worth around £290 in their first two years (or roughly £260 net of the year-two £30 annual fee), assuming £800/month of spending on the card — though Amex isn't accepted everywhere, so actual value depends on how much of your spending you can realistically put on it.

Representative example: Based on an assumed credit limit of £1,200 at a purchase rate of 29.1% p.a. (variable) and an annual fee of £30, the representative APR is 35.8% variable.

• May be used at all grocery stores, not a particular brand

• Earn 1% on all purchases

• Rewards earned as Nectar points

• 20,000 point welcome bonus

• £30 annual fee (waived first year)

• 29.1% variable APR on purchases

• 35.8% APR (variable)

The Partnership Card

The Partnership Card is a free rewards card that offers 1.25% on spending at John Lewis or Waitrose. However, the reward rate for spending elsewhere is 0.1%, making it significantly less competitive for non-Waitrose purchases than it was previously.

Note: As of August 2026 the Partnership Card offers double points on eligible spend at John Lewis and Waitrose for the first 60 days. Verify current incentives on the official John Lewis site before applying.

Representative example: 29.9% APR variable. Based on assumed borrowing of £1,200. Purchase rate of interest 29.95% APR variable annual.

• 1.25% at John Lewis and Waitrose, 0.1% elsewhere

• 29.95% variable purchase APR

• No annual fee

• Double points on eligible spend at John Lewis and Waitrose for the first 60 days

The Asda Money Credit Card pays 0.75% back in Asda Pounds on spending at Asda stores, Asda.com, George.com and Asda petrol stations, and 0.2% on everything else. There's no annual fee, and it runs on Visa, so acceptance is broader than an Amex card.

Asda Pounds are worth £1 each against a future Asda shop. They're earned into a balance in the Asda Money Credit Card app, then moved across manually to an Asda Rewards Cashpot before they can be spent. Asda Pounds left in the credit card balance expire after 12 months of card inactivity.

On £100 a month of Asda shopping, the 0.75% rate earns £9 of Asda Pounds a year. Spending on the card elsewhere earns 0.2%, so the overall return depends on how much of the total sits at Asda.

Representative example: Representative 29.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 29.9% p.a. (variable) with no annual fee.

• 0.75% back at Asda, 0.2% elsewhere

• Rewards earned as Asda Pounds, redeemable at Asda

• No annual fee

• Runs on Visa

• 29.9% variable APR

• Asda Pounds must be moved to a Cashpot manually, and expire after 12 months of inactivity

Sainsbury's Bank no longer offers credit cards. In January 2024 it announced it would stop providing most banking services to new customers, and its credit card portfolio was sold to NatWest, which became the legal owner of certain accounts on 1 May 2025. Existing cardholders who transferred can still collect and redeem Nectar points, but the cards themselves are closed to new applicants. Nectar points can still be earned at Sainsbury's without a credit card, using a Nectar card or the app at the till.

Tesco Bank still offers credit cards that earn Clubcard points, though as set out below, the additional rewards from the card are modest relative to what a Clubcard alone earns on Tesco spending.

Summary of Grocery Credit Cards

Below is a summary of grocery rewards credit cards.

You might be wondering why we haven't mentioned any Tesco credit cards here. That's because they are not as highly rewarding as the cards mentioned above. For example, using a Tesco credit card to buy groceries at Tesco, you'd earn 1 Clubcard point for every £4 you spend (in addition to the 4 Clubcard points you'd earn for every £4 spent in Tesco just for being a Clubcard member). That means that using a Tesco credit card only increases your rewards a small amount (bumping points from 4 to 5 per £4 spent). Assuming a value per Clubcard point of 1p, that's a 1.25% reward rate - but most of that is earned just for being a Clubcard member, not for having their credit card.

Also, readers should be aware that Tesco Clubcard points are now worth 2x their value with Reward Partners (down from the historical 3x). This devaluation means the 'boosted' return is now lower, which may impact how the card compares to Nectar-based alternatives for certain shoppers.

Instead, for example, using the Amex Nectar credit card (free in the first year) and swiping a Clubcard when shopping at Tesco would earn you 2% (1% from the Clubcard points and 1% from the Nectar card).

ClearScore is a credit broker, not a lender.

Card details correct as of 15 September 2026. Terms, rates and features are subject to change — always verify current details before applying. This article is for general information only and does not constitute financial advice.