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If you’re like me, you’ll have a few loyalty cards in your wallet and swipe away when you get to the till. But do you have any idea what the points are worth? Do you even use them? Is there any point to the points?

Well, taking the last question first, yes, I’d say it’s almost always a good idea to collect points if you can. Even if it’s a tiny amount, it will add up and it’s money for nothing. But it’s less likely to be worth going to a particular shop just to get the points if it’s not the cheapest or most convenient option.

As for do I use them? I’m a big fan of Clubcard points as you can boost their value, so I get through them quickly. My Nectar on the other hand slowly but surely adds the odd penny while I wait for a decent deal to increase their value, but they’re pretty rare.

I know what my Tesco points are worth as they’re much easier to calculate. But what are 2,000 Nectar points worth? Or 800 Boots? No idea! Plus there are schemes at Morrisons, Superdrug and Marks & Spencer – and they’re all different.

To help me – and you – I’ve taken a look at the biggest schemes to see what you get for your points.

>> Don’t forget to check out my list of supermarket deals, including how to get discounts on supermarket gift cards

How much are Tesco Clubcard points worth?

  • 1,000 Clubcard points = £10 in store, more if you double up
  • Usually 1 point earned per £1
  • So 1 point works out as 1% of your original shop
  • Minimum payout = 100 points will get you £1 in vouchers
  • So you need to spend £100 to use the points

You can earn these at Tesco, Tesco Direct or Esso garages.

What I really like about this scheme is the number of ways you can double, triple or quadruple the points to max the value. Read my 6 Best Uses Of Clubcard Points article for more on how to make the most of these points.

You’ll also be sent a booklet of vouchers every other month or so to spend in store. Sometimes it’s money off specific products, but you’ll also often see £4 off a £40 shop, which is a great extra saving – if you have a Tesco near you!

>> See how to make the most of Clubcard points
>> Save more and get reduced Tesco gift cards

How much are Nectar points worth?

  • 1,000 Nectar points = £5
  • Usually 1 points earned per £1
  • So 1 point works out as 0.5% of your original Sainsbury’s shop
  • Minimum payout = 500 points will give you £2.50 credit
  • So you need to spend £500 to use any points

Nectar halved how many points you earn at Sainsbury’s in 2015, but each point (old and new) is still worth the same.

You can also earn Nectar points at places like Argos and websites like Expedia. In fact, shop online and there are dozens of high street options such as House of Fraser and Top Shop.

Though you now earn less when you shop, Nectar has the odd decent boost deals, the best so far was two Vue Cinema tickets or two Pizza Express mains for £5 in the summer. I’ll post about any new offers in my vouchers and deals sectionHowever, on the whole I’m not a huge fan of the scheme – especially the Double Up promotions which, as I found, can be a nightmare to take advantage of.

>> The best ways to spend and earn Nectar points
>> Save more and get reduced Sainsbury’s gift cards

How much are Morrisons Match & More points worth

  • 1,000 Morrisons points = £1
  • Usually 5 points earned per £1 spent
  • So 1 point works out as 0.5% of your original shop
  • Minimum payout = 5000 points for a £5 voucher
  • So you need to spend £1,000 to use any points

I think the Morrisons scheme is one of the worst as you need to spend £1,000 in order to get a £5 voucher. You earn 5 points for every £1 you spend, or 10 points for every litre of fuel.

>> Save more and get reduced Morrisons gift cards

How much are Marks & Spencers Sparks card points worth?

  • 1,000 Sparks points = £0 (yup, seriously)
  • Usually 10 points earned per £1 and 10 points each time you shop
  • So 1 point works out as 0% of your original shop

This a is a different approach to points from M&S. You can earn points not just when you shop, but also when you write reviews or “Shwop” (where you get a £5 voucher for handing over old clothes).

However, you don’t get any money back from your points. Instead, the more points you earn, the more previews and events you have access to. For example, 5,000 points gets you access to sales and promotions before everyone else. If you are a really big spender you’ll be able to attend food masterclasses and catwalks for 14,000 points.

These don’t really appeal to me, but since there are some additional discounts available (eg extra money off a Dine in for £10 deal) if you shop at M&S I think it’s worth signing up. You can pick up a card in store and register it online.

>> Save more and get reduced M&S gift cards
>> Find out more about the new Marks & Spencers loyalty scheme

How much are Boots Advantage points worth?

  • 1,000 Boots points = £10 (in store)
  • Usually 4 points earned per £1
  • So 1 point works out as 4% of your original shop
  • Minimum payout = 1 points / £0.01
  • So you need to spend £1 to use any points – however you can part pay with points, meaning it’s likely you won’t cash out until you’ve earned at least 100 points, which is a spend of £25

This is one of the schemes I’ve never joined, but Becky is a big fan and racks up the points quite quickly. You can only spend them in Boots shops or online at Boots.com. Of course, if you can get your shampoo cheaper elsewhere, the points probably won’t make any difference.

Keep an eye out for frequent bonus deals and vouchers in the post where you can earn double value or even more for your shop.

>> Learn about the Boots Advantage card
>> Save more and get reduced Boots gift cards

How much are Superdrug Beautycard points worth?

  • 1,000 points = £10 (in store)
  • Usually 5 points earned per £1
  • So 1 point works out as 1% of your original shop

Pretty similar to Boot’s scheme though the points are worth far less. You can get a 10% NUS discount in Superdrug though (read how anyone can get an NUS card even if you aren’t a student).

>> Find out more about the Superdrug Beautycard

There are of course loads of other discounts and loyalty schemes around. Some give you a free item after you buy 10 or so, like those you get at Nandos or Costa Coffee. Others like Waitrose and John Lewis have freebies or discounts. And don’t forget airline schemes like Avios. I’ll take a look at them another time!

Let me know what your favourite schemes are in the comments section below.

Other loyalty schemes

Not all loyalty schemes reward you with points, but they are still worth adding to your wallet if you shop there regularly enough.

MyWaitrose benefits

  • Money off vouchers
  • You can also get a free newspaper if you spend £10
  • You can get a “free” hot drink with any purchase

Ikea Family benefits

  • Member prices on select items each month
  • Free tea or coffee Monday to Friday
  • Extra 10% off sale prices

My John Lewis benefits

  • Free hot drink and cake at least three times a year
  • Occasional vouchers (e.g. free Easter eggs)

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