Best supermarket credit cards 2024

From Tesco to Asda, compare supermarket credit cards in the UK to save money at your favourite supermarket.

Best for balance transfer
M&S Bank Credit Card Transfer Plus Offer Mastercard logo
M&S Bank Credit Card Transfer Plus Offer Mastercard
Check eligibility
24.9% APR representative variable
3.9 ★★★★★
0% on balance transfers for 26 months
0% on purchases for 3 months
No annual fee
Best for money-saving perks
Tesco Bank Foundation Card logo
Finder Award
Tesco Bank Foundation Card
29.9% APR representative variable
3.9 ★★★★★
Offers a rewards scheme
Access to your credit report and score
Handy text and email alerts
Best for no annual fee rewards
Asda Money Credit Card  logo
Asda Money Credit Card
27.9% APR representative variable
3.8 ★★★★★
No annual fee
Earn points on everyday spending
Up to £20 Asda Pounds introductory bonus

In this table, we've gathered up the "earn-rates" of different cards. It's crucial to note that how much a point is worth will depend on the card issuer, programme and potentially even how you're redeeming the points.

Comparison of supermarket credit cards

Table: sorted by representative APR, promoted deals first
1 - 5 of 14
Name Product Finder score Finder score Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Representative APR Incentive Link
M&S Bank Credit Card Purchase Plus Offer Mastercard
4.1
★★★★★
★★★★★
Expert analysis
N/A
1 point per £1 spent
1 point per £1 spent
£0
24.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Check eligibility
M&S Bank Credit Card Transfer Plus Offer Mastercard
3.9
★★★★★
★★★★★
Expert analysis
N/A
1 point per £1 spent
1 point per £5 spent
£0
24.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Check eligibility
Tesco Bank Foundation Card
3.9
★★★★★
★★★★★
Expert analysis
N/A
1.25 points per £1 spent
1 point per £8 spent
£0
29.9% APR (variable)
5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).
Tesco Bank Low APR Clubcard Credit Card
5.0
★★★★★
★★★★★
Expert analysis
N/A
1.25 points per £1 spent
1 point per £8 spent
£0
10.9% APR (variable)
5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 10.941% (variable) p.a., your representative rate is 10.9% APR (variable).
Tesco Bank Balance Transfer Card
4.1
★★★★★
★★★★★
Expert analysis
N/A
1.25 points per £1 spent
1 point per £8 spent
£0
24.9% APR (variable)
5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

What is a supermarket credit card?

Just like a standard credit card, supermarket credit cards allow you to buy items now and pay for them later. If you don’t pay off your credit card balance in full each month, you’ll often be charged interest. However, these cards also offer benefits such as saving money on your weekly shop by using the points you’ve collected, or 0% interest on purchases or balance transfers. It’s worth noting that these benefits differ between supermarket credit cards.

Supermarket credit card vs store credit card: what’s the difference?

Supermarket credit cards differ from store cards as they are on a card network such as Mastercard or Visa. They can be used to make purchases in any store just like your typical credit card, although the loyalty points can only be used in that specific supermarket or partner brands. Store cards, on the other hand, can only be used in that particular store.

How do grocery credit cards work?

Grocery credit cards can be used like standard rewards credit cards to make purchases in any store. However, you tend to collect more points (or cashback) when you make purchases in the supermarket itself compared to purchases made elsewhere. These points can then be used in-store or online at that supermarket or partner brands to save money on your shop.

Supermarket card reward schemes – which one is best?

You should consider all the features and fees of the card and compare them with a range of alternatives. But it’s worth remembering that most supermarkets offer more loyalty points when the card is used in their store or partner stores, and points can only be redeemed there. So whichever supermarket you most regularly shop at should play a large part in your decision. For example, if you’re an avid Tesco shopper, a Tesco credit card might benefit you the most.

Asda Pounds

With Asda Money credit cards, you can earn 1% back in Asda Pounds when shopping at Asda or 0.3% on non-Asda spend. 1 Asda Pound = £1. If you shop regularly at Asda, the Asda credit card can help you save money on your weekly shop with the Asda Pounds you collect. Asda sometimes runs welcome incentives in the form of cashback. Your card can be quickly and securely managed through the Asda Money Credit Card app, with payments made easily through Apple Pay. Note that Asda’s reward scheme is limited because you can only use Asda Pounds at Asda, unlike other cards where the points can be used with partners.

Asda Pounds calculator
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Use the fields above to calculate how many Asda Pounds you could earn.

Tesco Clubcard points

When used alongside your Clubcard, Tesco Bank Clubcard credit cards enable you to collect 5 points per £4 spent in Tesco, 1 point per £8 spent outside Tesco and 1 point per £4 spent on Tesco fuel (excluding Esso) plus 1 point for every 1 litre bought. 100 points = £1 in vouchers. Points are converted to Tesco vouchers, which can be used to save you money in-store or online at Tesco, as well as on fuel at Tesco petrol stations and at Esso sites with a Tesco Express. Alternatively, you can exchange the vouchers (for more) with Tesco’s Reward Partners, where you can treat yourself with a visit to a theme park or a meal at an Italian restaurant.

Tesco Clubcard points calculator
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Use the fields above to calculate how many Clubcard points you could earn.

Sainsbury’s Nectar points

When you scan your Nectar card at the same time as spending on a Sainsbury’s Bank credit card, you can collect up to 3 Nectar points per £2 spent in Sainsbury's, Argos, Habitat and Tu clothing, and 1 Nectar point for every £5 spent elsewhere. 1 point = 0.5p (min 500pts). Reward yourself with a morning coffee at Caffe Nero or even splash some points on a getaway with British Airways. The credit card app and online banking help you manage and control your finances easily.

Nectar points calculator
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£

Use the fields above to calculate how many Nectar points you could earn.

Expert analysis: For the best rewards, you could consider something different

jordoncox profile pic
Jordon Cox

Contributor

If you want a credit card that matches where you shop, then it could be a good option to have a supermarket credit card - though you’ll likely only earn a few pounds worth of points a month. For greater rewards at the supermarket, consider looking at the Nectar Credit Card from American Express.

For first-time credit card members to AMEX, they’ll give you 20,000 bonus Nectar points if you spend £2,000+ in the first 3 months, which is equal to £100 worth of rewards. On top of this, the base reward on spending is better, getting 2 Nectar points for every £1 your spend on this credit card.

A drawback with the Nectar Credit Card is the £30 annual fee after the free first year. You could consider signing up for one year to try it out and make the most of the benefits, and then cancel before you’re charged if you decide not to carry on using this credit card past year one.

How to make the most of your supermarket credit card?

To make the most use of your supermarket credit card, you could use it for all your spending – at the supermarket and elsewhere – maximising your points-earning potential. Topping up your petrol at your card’s supermarket could also boost your points, as some cards offer double the rewards. Just keep in mind that you’ll probably earn more points using your card in your supermarket of choice compared to other stores.

Also, remember that your card is still a credit card. To avoid getting caught out by interest, make sure to pay your balance in full each month. Any money you save with supermarket loyalty points can easily be eroded if you end up paying interest on your credit card balance.

Pros and cons of supermarket credit cards

Pros

  • Earn points as you spend
  • Points can be redeeemed instore or at partner stores
  • Credit building cards available

Cons

  • Temptation to rack up additional debt through chasing points
  • Points skewed to spending at a particular supermarket
  • Limited point redemption options
  • Additional fees on some cards, e.g. annual fee

Who can apply for a supermarket credit card?

To apply for a supermarket credit card, you must be:

  • Aged 18 or over
  • A UK resident

Some providers may also require you to:

  • Have a regular income over a certain amount
  • Meet other eligibility criteria

Eligibility criteria may differ between different supermarket credit cards, so it’s always wise to check with the provider.

Can you apply for a supermarket credit card if you have bad credit?

Yes – you may still be able to apply for a supermarket credit card, as some brands also offer credit-building credit cards. These include the Tesco Foundation card, the Sainsbury’s Everyday credit card and the Asda Money Select Credit Card. The downside is they often have lower credit limits and higher interest rates. But if building credit while potentially saving money off your weekly shop is something you’re looking for, they are definitely worth considering – as long as you keep on top of your repayments. Most supermarkets offer an online credit card eligibility checker to find out if you’re likely to be accepted.

How to apply for a grocery store credit card

You can apply for grocery store credit cards online at the selected supermarket’s website.

What to consider before applying

  • APR. It can be higher on some supermarket credit cards than others, and it may also differ based on your credit rating.
  • Annual fee. Check whether an annual fee is charged.
  • Loyalty points or cashback. How much you can earn and what these equate to in the real world can differ between supermarket credit cards. Make sure you compare all your options to find which scheme, if any, works for you.
  • Other fees. Consider any additional fees, e.g. cash withdrawal, foreign exchange or balance transfer fees, that may apply to the card.

Bottom line

Whether you’re doing your weekly supermarket shop or making a purchase elsewhere, with your supermarket credit card, you can earn loyalty points and redeem them to save money – typically off your weekly food shop. But, as always, remember to consider all the features and fees of the card and compare them with a range of other options available before applying. Make sure your chosen card suits your supermarket shopping habits, and most importantly, compare what you stand to gain (the benefits) against what you stand to lose (the costs involved).

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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