Fuel loyalty cards can knock a little off every fill-up — but which one is actually best in 2026, and are any of them worth changing your habits for? Here's every major UK scheme compared with real pence-per-litre values, plus the strategy that beats them all.
Quick answer: The best all-round schemes for 2026 are Tesco Clubcard and Nectar (Sainsbury's + Esso) at roughly 0.5p/litre effective value, with Shell Go+ best among branded forecourts. But every scheme combined saves less than simply driving to a forecourt that's 5p cheaper — so compare live prices near you first, then collect points at the cheapest station.
Every UK fuel loyalty scheme compared (2026)
| Scheme | Where | How you earn | Effective value | Best for |
|---|---|---|---|---|
| Tesco Clubcard | Tesco forecourts | 1 point per £2 on fuel | ~0.5p/litre | Tesco grocery shoppers |
| Nectar | Sainsbury's + Esso | 1 point per litre | ~0.5p/litre | Nectar collectors (double-dip at Esso) |
| Asda Rewards | Asda forecourts | Cashpot promotions | ~0.5–1% (varies) | Asda regulars |
| Morrisons More | Morrisons forecourts | 5 points per litre | ~0.25p/litre | Morrisons shoppers |
| Shell Go+ | Shell | Visit-based rewards | 10p/L off after 10 visits (capped) | Frequent Shell users |
| BPme Rewards | BP | Points on fuel + shop | ~0.25–0.5p/litre + offers | BP app users |
| Texaco Star Rewards | Texaco | Points per litre | ~0.25p/litre + promos | Texaco locals |
| Costco (membership) | Costco fuel stations | No points — lower prices | Often 5–10p/litre below average | High-mileage drivers near a Costco |
| Maxol / local schemes (NI) | Northern Ireland | App offers | Varies | NI drivers — check app offers |
Rates checked July 2026. Schemes tweak earn rates and run bonus events frequently — the app always shows the current offer.
Supermarket fuel cards in detail
Tesco Clubcard
- Earning: 1 Clubcard point per £2 spent on fuel
- Value: effectively ~0.5p per litre back
- The real win: periodic money-off-fuel coupons and Clubcard Prices in store — the grocery side is where Clubcard pays
- Best for: anyone already shopping at Tesco
Sainsbury's Nectar
- Earning: 1 Nectar point per litre (also at Esso — same card)
- Value: ~0.5p per litre
- The real win: app bonus events ("collect 100 extra points this weekend") and Double Up promotions
- Best for: Nectar collectors — earning at both Sainsbury's and Esso makes it the most flexible scheme
Asda Rewards
- Earning: Cashpot percentage on qualifying purchases and promotions
- Value: variable, typically 0.5–1% during fuel promotions
- Best for: Asda regulars — Asda's headline fuel prices are usually among the cheapest anyway, which matters more than the points
Morrisons More
- Earning: 5 points per litre
- Value: ~0.25p per litre (500 points = £5 Morrisons Fiver at 5,000 points)
- Best for: Morrisons shoppers; watch for the frequent "10p off per litre with £40 grocery spend" vouchers — those beat every points scheme
Branded forecourt programmes
Shell Go+
- How it works: visit-based — after 10 qualifying fuel visits you get 10p per litre off one fill (max 60 litres), plus 10% off shop hot drinks and deli
- Value: if you fill 50L every visit, that's effectively ~1p/litre spread across the cycle — the best branded scheme going
- Best for: drivers who genuinely pass a Shell often (don't detour for it)
BP BPme Rewards
- Earning: points on fuel and shop purchases, frequent app offers and occasional price promotions
- Value: ~0.25–0.5p per litre depending on offers
- Best for: BPme app users; the app's pay-at-pump is genuinely convenient
Texaco Star Rewards
- Earning: points per litre, periodic money-off promotions
- Value: ~0.25p per litre
- Best for: areas where Texaco independents are price-competitive
Costco — the non-points cheat code
Costco doesn't do points: members simply pay some of the lowest fuel prices in the UK, often 5–10p per litre below the local average. If you're a high-mileage driver near one of the UK Costco fuel stations, the membership can pay for itself on fuel alone. Full breakdown in our Costco fuel guide.
Fuel loyalty cards vs business fuel cards
Searching for "fuel card rewards" often turns up business fuel cards — a different thing entirely:
- Loyalty cards (everything above): free, personal, earn points on your own fill-ups.
- Business fuel cards (Allstar, fuelGenie, Shell Card, Esso Card, UK Fuels): payment cards for companies and the self-employed. They offer fleet pricing (often a few pence off pump price at motorway sites), consolidated HMRC-compliant invoicing and mileage reporting — but usually carry monthly fees and are only worth it for genuine business mileage.
If you're a sole trader doing serious miles, a business fuel card plus a price-comparison habit beats any loyalty scheme. For everyone else, stick with the free apps.
The maths: what loyalty is really worth
Typical driver: 12,000 miles/year at 40 MPG ≈ 1,360 litres/year.
| Strategy | Annual saving |
|---|---|
| Best loyalty scheme alone (~0.5p/L) | ~£7 |
| Loyalty + 1.25% cashback credit card | ~£30 |
| Always filling at a forecourt 5p/L cheaper | ~£68 |
| Cheaper forecourt + loyalty + cashback | ~£100+ |
The pattern is obvious: price first, points second. No loyalty card compensates for filling up at a forecourt that's 5p dearer.
Our strategy for 2026
- Compare prices before you drive — the live map shows every forecourt near you, cheapest first, updated every 15 minutes.
- Collect whatever the cheapest station offers. Points are a free bonus, never a reason to pay more per litre.
- Activate app offers — most bonus events (double points, money off) need a tap in the app before you fill.
- Stack a cashback credit card if you clear the balance monthly — 1%+ cashback beats every points scheme.
- Grab supermarket fuel vouchers — "5p–10p off per litre with £40+ grocery spend" promotions are worth more than a year of points.
- Set a free price-drop alert so you fill up on the dips.
Verdict: which fuel loyalty card should you get?
- Most people: Tesco Clubcard or Nectar — whichever matches where you already shop. Free money, zero effort.
- Shell regulars: Shell Go+ is the strongest branded scheme.
- High-mileage drivers near a Costco: membership beats every points scheme outright.
- Business drivers: a proper fuel card (Allstar, fuelGenie) plus price comparison.
And whichever card lives in your wallet, the biggest saving in fuel retail is still the same: the forecourt you choose. Find the cheapest fuel near you now — it's free and takes ten seconds.
Frequently Asked Questions
What is the best fuel loyalty card in the UK in 2026?
For most drivers it's Tesco Clubcard or Sainsbury's Nectar (via Esso too), because points combine with grocery spending and regular bonus events. But the honest answer is that all loyalty schemes save well under 1p per litre — finding a forecourt that's 5–10p cheaper saves far more than any card.
How do I get a fuel rewards card?
Nearly all UK schemes are free: download the retailer's app (Tesco Clubcard, Nectar, Asda Rewards, Morrisons More, Shell Go+, BPme Rewards, Texaco Star Rewards) or pick up a card in store, register, then scan at the till or pump every time you fill up.
Are fuel loyalty cards actually worth it?
Yes, but only as a bonus on fuel you'd buy anyway. Typical value is 0.25p–1p per litre — about £5–£15 a year for an average driver. The price gap between forecourts in one town is often 10p+ a litre, so compare prices first, then collect points at the cheapest station.
What's the difference between a fuel loyalty card and a fuel card?
A loyalty card is free and earns points on personal fill-ups. A 'fuel card' (Allstar, fuelGenie, Shell Card, Esso Card) is a business payment card for company drivers, giving fleet discounts, HMRC-friendly invoices and centralised billing — not something individuals typically need.
Which supermarket fuel scheme pays the most?
As of 2026: Nectar and Tesco Clubcard are effectively worth around 0.5p/litre on fuel, Asda Rewards varies with Cashpot promotions, and Morrisons More is roughly 0.25p/litre. Bonus events (double points, money-off-fuel vouchers with grocery spend) matter more than the base rates.
Do any schemes give money off fuel instantly?
Shell Go+ gives 10p/litre off once you've collected on 10 visits, supermarkets run periodic 5p-off-per-litre vouchers with qualifying grocery spends, and Texaco Star Rewards runs money-off promotions. Costco members pay the lowest headline prices outright — usually cheaper than any points scheme.