Comparison table
| Supermarket | Scheme | How rewards work | Delivery |
|---|---|---|---|
| Tesco | Tesco Clubcard Points + member prices | Scan Clubcard or the Tesco app for Clubcard Prices on selected items, collect points and turn them into vouchers. Clubcard Plus is a separate paid add-on with 10% off groceries in store twice a month. | Home Delivery and Click+Collect, with Delivery Saver plans from £2.49 a month (collection only). Slots depend on your address. |
| Sainsbury’s | Nectar Member prices + personalised app prices | Nectar Prices are lower prices on selected items for Nectar members, in supermarkets and online (not in Sainsbury’s Local). Your Nectar Prices are up to 10 personalised discounts a week that you unlock in the Nectar app. | Online grocery delivery with a £25 minimum order. Delivery charges vary by slot and basket size; a Delivery Pass is available. |
| Asda | Asda Rewards Cashpot rewards | Earn “Asda Pounds” into a Cashpot in the Asda Rewards app, for example by completing Missions, then convert them into vouchers for shopping in store or online. Not available in selected Asda Express stores. | Online grocery delivery, with Delivery Passes from £3.95 a month for midweek slots. Availability depends on your postcode. |
| Morrisons | Morrisons More Points + member prices | Scan your More Card for More Card Prices and More Points on selected products; 5,000 points become a £5 “Fiver” to spend. You also get personalised offers in the app, online or on till coupons. | Online grocery delivery; Delivery Pass holders get free delivery on covered slots when they spend £25. Morrisons Now rapid orders are not covered. |
How the loyalty schemes differ
- Points: Clubcard and Morrisons More collect points you later turn into vouchers or a Fiver.
- Member prices: Clubcard Prices, Nectar Prices and More Card Prices lower the shelf price on selected items when you scan.
- Personalised offers: Your Nectar Prices and Morrisons More offers are picked for your account, so they differ between shoppers.
- Cashpot: Asda Rewards builds “Asda Pounds” in an app Cashpot that you convert into vouchers.
See loyalty cards compared for more detail.
Grocery shopping and delivery options
All four deliver groceries, but slots, charges and same-day options depend on your postcode and the time you book. Sainsbury’s, for example, sets a £25 minimum order and charges more for baskets under £50. Each also sells a delivery pass — compare them on our delivery passes page.
Compare the items you actually buy
Headline savings figures are averages and rarely match one household. The fairest test is your own list: price it at each shop including member prices you’d genuinely get, any promotion conditions, the delivery charge and whether items are in stock locally. Use the unit-price calculator when pack sizes differ.
Frequently asked questions
Which big four supermarket is cheapest?
We don’t name one: it depends on your basket, the member prices you qualify for and delivery costs.
Do member prices need an app?
Clubcard Prices need a Clubcard or the Tesco app; Nectar Prices need Nectar; More Card Prices need a More Card. Check each scheme’s terms.
Are personalised offers the same for everyone?
No. Your Nectar Prices and Morrisons More offers are chosen for your account.
Is delivery available everywhere?
Not always. Coverage and slot choice depend on your postcode.
Sources
- Tesco Clubcard Prices (opens in a new tab) · Tesco Delivery Saver (opens in a new tab)
- Nectar Prices (opens in a new tab) · Sainsbury’s delivery times and charges (opens in a new tab)
- Asda Rewards terms (opens in a new tab) · Asda Delivery Pass (opens in a new tab)
- Morrisons More (opens in a new tab) · Morrisons Delivery Pass (opens in a new tab)
Related supermarket pages
- Aldi vs Lidl
- Supermarket loyalty cards compared
- Supermarket delivery passes compared
- Supermarket shopping guide and unit-price calculator
Retailer details were checked on their official websites on 5 November 2026. Schemes, prices and delivery areas change, so confirm with the retailer before you rely on them.
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