Supermarket loyalty schemes compared

Wig

Anyone care to help with this?

Sainsbury's - Nectar points,
2 points given per £1 spent instore or 1 point per litre of fuel
Redeemable value, 2 points = 1 pence, Including at numerous outside retailers like Amazon, but you might aswell just spend them at Sainsbury's
Sometimes affiliate retailers do special offers and accept 1 point = 1 pence, in which case if they have something you want to buy it would be wise to spend them there.
Points never expire, and you use them at point of purchase which makes it very straightforward & safe.
Net saving 1% instore, 0.37% on Petrol & Diesel, 0.7% on LPG

Tesco -Clubcard Points-
Given on instore & Online purchases 1point for £1 spent
Petrol purchases 1 point for £2 spent
Using a Clubcard Credit Card (CCC) on fuel increases it 1 point per £1 spent & further 1 point for every £4 spent (5 points for every £4 spent)
Redeemable value 1point = 1p
Tesco sends you vouchers which do have expiry dates of a year or so, so you could theoretically lose out if you forget to use them.
The vouchers can be exchanged for 4 times their value at participating attractions and magazine subscritions etc called Clubcard Deals
Net saving Normally 1% instore, 0.5% on fuels,
CCC total of 1.25% on fuel, CCC 0.25% on all purchases in or out of Tesco.
4% if spent on Deals.

Asda Asda Credit Card
Net saving 0.5% voucherback inside Asda & fuel, 0.25% voucherback outside Asda
(Double for the 1st 3 months of the card)

Morrisons Morrison's miles
10 points for every litre of fuel
Redeemable value 10 points = 1p
5000 points converted into £5 instore voucher
Net saving 0.74% for Petrol & Diesel 1.4% for LPG

Co-Op - ???

M&S M&S Credit Card & Premium club
1point per £1 spent or £2 spent elsewhere
redeemable value 1 point = 1 pence
Premium club costs £180 annual subscription & £40 back in vouchers, net cost £140 per year, also other promotional seasonal vouchers for specific ranges (which you may not use) and an unspecified birthday voucher & 48 hot drinks voucher for the cafe
Gives 3 points per £1 spent instore/online at M&S
1 point per £2 spent elsewhere
Points converted quarterly into vouchers to spend instore
Net saving 1% instore, 0.5% elsewhere, Premium club 3% instore
Assuming a net cost of £100 for premium club you'd have to spend £5000 instore or £20,000 elsewhere to recpoup your lost £100 before you are in profit. This assumes the bithday gift is not substantial


Waitrose, ???

DCFC79

Asda dont do a reward scheme,

Morrisons petrol card scheme gives you money off i believe but not sure if its shopping and petrol or just 1 of them.

Waitrose do a Waitrose mycard which gives you coupons off goods.

Tesco you can collect points by buying off the internet eg tesco entertainment/jersey.

jenniewb

Wig wrote: »

Anyone care to help with this?

Sainsbury's - Nectar points, 2 points given per £1 spent instore or 1 point per litre of fuel
Redeemable value, 2 points = 1 pence, Including at outside retailers like Amazon
Net saving 1% on produce, 0.37% on fuels

Tesco -Clubcard Points- Given on instore purchases and petrol purchases ???

Asda -???-

Morrisons (why isn't there an apostrophe?) petrol stations give you "miles points"
Instore purchases give you ???

M&S -You got to be kidding, right?

Waitrose, ???

Tesco: 1% cashback

Sainsburys: 1% cashback (and on some websites too) but food can be more expensive It may earn less with fuel but this assumes you spend the same amount on fuel as you do food if your making a net % some of us don't drive and this makes no difference.

Asda: no card no cashback

M&S have a credit card, no idea if it does anything.

Waitrose have a card and gives 1p back on each shop and apparently sends vouchers. Had my card arrive earlier this week (took months and months to arrive!) my mum has had her card for a while but has never been sent a coupon. She shops there quite often (weekly/twice a week)

IMO anything they give back on a loyalty card can easily be outweighed by a few pricing differences. Check what you want first then buy it on offer in the store with the lowest price. Use MySupermarket or even the websites of the stores you visit beforehand as it can pay off.

Don't rely on loyalty cards to get you anywhere, they are a nice touch but at the end of the day your shopping bill by far the biggest concern.

VoucherMan

jenniewb wrote: »

Tesco: 1% cashback but food is often more expensive

Sainsburys: 1% cashback (and on some websites too) but food can be more expensive It may earn less with fuel but this assumes you spend the same amount on fuel as you do food if your making a net % some of us don't drive and this makes no difference.

I think you missed a bit

Coopdivi

You forgot the Co-op. They pay around about 2.5% although this varies depending on whether you use the national Cooperative or one of the local societies.

Also Sainsbury's actually pay less than 1% on food purchases because they round down to the nearest Pound. So,for example, if you spend £1.99 you'll get 2 Nectar points and not 3.99 or whatever it is.

Iceland have a reward scheme but it seems to consist of money off vouchers on random products and prize draw entries. So pretty useless really.

joedenise

Coopdivi wrote: »

Iceland have a reward scheme but it seems to consist of money off vouchers on random products and prize draw entries. So pretty useless really.

The main advantage for the Iceland card is free delivery when you spend £25 or more.

Denise

jenniewb

VoucherMan wrote: »

I think you missed a bit

missed what?

roddydogs

They ALL round down to the nearest £.

Wig

Anyone care to finish it off please chip in. I've done most of it now.

Coopdivi

roddydogs wrote: »

They ALL round down to the nearest £.

Yes, you're right. Even the Co-op so Wig will have to revise all his percentages

I used to get the divi years ago from the Ipswich Co-op. It was great. They paid 5% in cash twice a year, you only had to give your number at the till and, if you wanted, you could have it put on a charity number which I think was 660. And there was none of this rounding down nonsense either.

Then Ipswich amalgamated with the Norwich and finally Colchester to become the East of England Co-op. The divi dropped to 3.5% a, they got rid of the number system and introduced cards. Now the payout is nearer 2%. I suppose they've got to pay for those extra executives somehow

Of course the Co-op, in common with the major supermarkets, don't have a charity card which is a shame. I sense a public relations coup for any supermarket to have the balls to introduce one but they won't because then they won't be able to spy on their customers' shopping habits.

In_Martin_We_Trust

Coop have the dividend card which if you shop there regularly gives you money off. Asda don't have a scheme thats how there cheaper than everybody else.
Tesco scheme is only useful when they give you money off coupons or money to spend in store. Usually though you get points which translate into more points coupons which translates in more points. You can't use the card instore to get money off like the nectar card.