Supermarket Credit Cards compared….How to grab £300 a year in Tesco clubcard vouchers or Nectar Vouchers.

So one of my friends recommended the Sainsbury’s credit card to me, for the nectar point benefits. Now I’m a hardcore Tesco credit card person, so I thought…great idea for a blog. Which card nets the savvy shopper the most on you will be surprised. Don’t forget to like Mrs Mummypenny on facebook.

So firstly the basics…this research is done today 30th July. Both offer deals on balance transfers and purchases. Tesco will give you 27 months interest free on balance tfrs…but you’ll have to pay a fee of 3.15%…so a tfr of £5,000 will cost you £157.70. Or they offer 18 mths interest free period on purchases. Sainsbury’s offer 15 months interest free for balance tfrs and 6 months interest free for purchases. Again theres a 3% fee. But I’m not focussing on that…..

I’m interested in the free stuff you get with clubcard vouchers and Nectar points/vouchers.

So 2 examples, one for Tesco then one for Sainsburys.

For both assume you push all your monthly spending through the credit card and pay the full balance each month. Spend £1500 each month, £600 on grocery, £300 on petrol and the remaining £600 elsewhere (ie not in Tesco or Sainsburys).

Tesco Clubcard Rules
Tesco stores – five Clubcard points for every £4 you spend.
Tesco fuel – five Clubcard points for every £4 you spend (excludes Esso Fuel).
Everywhere else – one Clubcard point for every £4 you spend.
Sainsbury’s Clubcard Rules
10 Nectar points per £1 spent on Sainsbury’s shopping for the first 3 months from account opening (capped at £1,000 spend per month)
and 1 Nectar point for every £5 spent on your card elsewhere
After the first 3 months collect 4 points per £1 on Sainsbury’s shopping# and 1 Nectar point for every £5 spent on your card elsewhere
Tesco Clubcard Voucher Tracker
£ Spent Points Earnt Value of vouchers per month Double Up value per mth
Tesco Grocery 600 750
Tesco fuel 300 375
Other Spending 600 150
1500 1275 £13 £26

Sainsbury’s Nectar Point 

£ Spent Points Earnt Value of Nectar Points £2.50 vouchers for every 500 points
Sainsburies Grocery 600 6000
Sainsburies fuel 300 3000
Other Spending 600 120
1500 9120 27360 After mths 1-3 55 £137
Sainsburies Grocery 600 2400
Sainsburies fuel 300 1200
Other Spending 600 120
1500 3720 11160 Mths 4-6 22 £56

To be fair, compare the value of vouchers earnt over 1 year..and guess what they are pretty much the same!!! Tesco wins by £2…..but amazingly they are both worth £300 each in clubcard vouchers or nectar vouchers per year.

Overall Voucher Value
Tesco Sainsburies
Months 1-3 £77 £137
Months 4-6 £77 £56
Months 7-9 £77 £56
Months 10-12 £77 £56
£306 £304

In the short term the Sainsbury’s card gives you more, but then slows down beyond month 3. And to be fair to Tesco I have assumed that the vouchers are used in double up promotion periods. If yo are extra savvy clubcard rewards will more often give you 3 times the value and sometimes 4. I have had a tesco credit card for years, here is what I’ve got for free over the past 2 years.

1) 1/2 Diamond necklace from Goldsmiths (3 x voucher value)

2) Legoland tickets for family (£10.50 in vouchers for 2 adults and 2 children)

3) Complete replacement of Denby dinner set (4 x voucher value in special promotion)

4) Eurotunnel ticket to france for our holiday in June (2 x voucher value for tickets)

5) 5 months worth of contact lenses (2 x voucher value spent in tesco opticians in store)

I really do love my clubcard vouchers;-)

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Lynn Beattie

Aka Mrs MummyPenny

Personal Finance Expert

I write about personal finance made simple, lifestyle choices that will save you time and money, as well as products and services that offer great value.

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3 Responses

  1. Aw, this was a very nice post. Finding the time and actual effort to make
    a very good article… but what can I say… I procrastinate a
    whole lot and never seem to get anything done.

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