Loyalty cards might seem old-fashioned, but they can still save you money at the pump. Here's our complete guide to UK fuel loyalty schemes in 2026.
Supermarket Fuel Cards
Tesco Clubcard
- Earning: 1 Clubcard point per £2 spent on fuel
- Value: Points worth 0.5p per litre effectively
- Bonus: Clubcard Prices on groceries make the overall scheme valuable
- Best for: Regular Tesco shoppers
Sainsbury's Nectar
- Earning: 1 Nectar point per litre of fuel
- Value: 0.5p per litre
- Bonus: Frequent bonus point offers via the app
- Best for: Those who collect Nectar elsewhere
Morrisons More Card
- Earning: 5 points per litre
- Value: Approximately 0.25p per litre
- Bonus: Personalised offers and grocery savings
- Best for: Morrisons shoppers
Asda Rewards
- Earning: Cashpot rewards on fuel purchases
- Value: Variable, typically 0.5-1%
- Best for: Regular Asda customers
Branded Station Programmes
Shell Go+
- Earning: 10 points per litre (standard fuel), 20 points on premium
- Value: 0.1p per litre
- Redemption: 1,000 points = 10p off per litre (max 100L)
- Best for: Shell loyalists who want in-app offers
BP BPme Rewards
- Earning: Points on fuel and shop purchases
- Value: Varies with offers
- Bonus: Occasional price-lock deals and discounts
- Best for: Those who use the BPme app
Esso Nectar
- Earning: 1 Nectar point per litre
- Value: 0.5p per litre
- Bonus: Combines with other Nectar earning
- Best for: Nectar collectors
Credit Card Rewards
Some credit cards offer enhanced rewards on fuel:
American Express Platinum Cashback
- Earning: 1.25% cashback (after initial period)
- Value: About 1.7p per litre at current prices
Santander All in One
- Earning: 0.5% cashback on all purchases
- Value: About 0.7p per litre
Is It Worth It?
Let's do the maths on a typical driver (12,000 miles/year, 40 MPG): - Annual fuel: ~1,360 litres - Loyalty savings: £6-15/year from points alone
The real value comes from: 1. Combining schemes (credit card + loyalty card) 2. Stacking offers (bonus point events, app discounts) 3. Price comparison first — no point earning 0.5p if another station is 5p cheaper
Our Top Tips
- Don't chase points to expensive stations — use our fuel map to find cheap prices first
- Download the apps — most bonus offers require app activation
- Combine with credit card rewards where possible
- Check for fuel vouchers — supermarkets often give money off fuel with grocery spend
Verdict
Loyalty schemes are worth using, but only if you're already buying fuel at that station. The savings (0.25-1p per litre) are dwarfed by price differences between stations (often 5-10p per litre).
Best strategy: Find the cheapest fuel first, then collect whatever loyalty points are available there.