{"id":497222,"date":"2023-07-04T14:45:55","date_gmt":"2023-07-04T13:45:55","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=497222"},"modified":"2026-02-10T11:59:32","modified_gmt":"2026-02-10T11:59:32","slug":"compare-supermarket-credit-cards","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/rewards-credit-cards\/compare-supermarket-credit-cards","title":{"rendered":"Best supermarket credit cards 2026"},"content":{"rendered":"

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 Defaqto.<\/p><\/div><\/article>

What is a supermarket credit card?<\/h3>

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\u2019ve collected, or 0% interest on purchases or balance transfers. It\u2019s worth noting that these benefits differ between supermarket credit cards.<\/p>

Supermarket credit card vs store credit card: what\u2019s the difference?<\/h4>

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.<\/p>

How do grocery credit cards work?<\/h3>

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.<\/p>

Supermarket card reward schemes – which one is best?<\/h3>

You should consider all the features and fees of the card and compare them with a range of alternatives. But it\u2019s 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\u2019re an avid Tesco shopper, a Tesco credit card might benefit you the most. <\/p>

Asda Pounds<\/h4>

With Asda Money credit cards, you can earn 0% back in Asda Pounds when shopping at Asda or 0% on non-Asda spend. 1 Asda Pound = \u00a31. 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\u2019s reward scheme is limited because you can only use Asda Pounds at Asda, unlike other cards where the points can be used with partners.<\/p>

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