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UK Grocery Credit Cards 2026
We've analyzed the credit cards available in the UK, in order to find cards for saving money on your grocery shopping. The following cards offer rewards according to different criteria—perhaps you want a card that pays you great rewards when you dine out also, or a card that doesn't charge a fee. Picking the best card for you depends on your individual situation.
Grocery Credit Cards
In pound terms, the average UK household now spends £3,877 a year on food at home and £1,419 on food out (takeaways or restaurants), totaling an annual food budget of £5,296. These updated January 2026 benchmarks show that food spending is significant for British households, so it makes sense to try to earn rewards on this spending.
With that in mind, we analysed the grocery credit cards in the marketplace, we found that the following cards offer the rewards in their respective categories. We based our calculations on average UK household credit card charges of around £1,800 a month, and incorporated all relevant annual fees, rewards rates, bonuses and perks. Actual results may vary depending on how you use a card. Finding the best card for you will depend on your personal needs and spending patterns, and may also depend on where you like to shop! Those wanting to shop for groceries using an app for convenience can read about our study on the most popular grocery delivery apps.
Overall Grocery Credit Card: Nectar Credit Card
With the Nectar Credit Card, cardholders earn around 1% rewards on ALL spending, wherever American Express is accepted. The welcome bonus of 20,000 Nectar points (earned when you spend £2,000 in the first three months) is worth £100. While not technically a grocery card as its not co-branded with a grocery chain, the rewards you earn are Nectar points, the same rewards program used by Sainsbury's. One other notable feature of this card is that you get flexibility to shop at different grocery chains. You'll earn the same 1% rewards rate on all shops, regardless of brand. While you are not limited in how you earn points, you can only redeem points at one grocery chain (Sainsbury's) or other Nectar partners. We estimate that cardholders can earn Nectar points worth over £500 in their first two years with the card, assuming an average UK household spending level (if you can use Amex where you typically spend—Amex isn't accepted everywhere).
Summary
- May be used at all grocery stores, not a particular brand
- Earn 1% on all purchases
- Rewards earned as Nectar points
- 20,000 point welcome bonus
- £30 annual fee (waived first year)
- 29.1% variable APR on purchases
- 35.8% APR (variable)
Waitrose Grocery Credit Card with No Fee: The John Lewis Waitrose Partnership Card
The John Lewis Waitrose Partnership Card is a free rewards card that offers 1.25% on spending at John Lewis or Waitrose. However, shoppers should note that the reward rate for spending elsewhere has dropped to 0.1%, making it significantly less competitive for non-Waitrose purchases than it was previously.
Note: Check for active offers. While the card has previously offered welcome bonuses, such as double points for the first 60 days, these promotions have been paused or removed periodically. It is best to verify current incentives on the official John Lewis site before applying.
Summary
- 1.25% at John Lewis and Waitrose, 0.25% elsewhere
- No annual fee
- double points on eligible spend at John Lewis and Waitrose for the first 60 days
- 29.9% on purchases (variable)
Summary of Grocery Credit Cards
Below is a summary of grocery rewards credit cards.
| For... | Card | Rewards Type | Quick Overview |
|---|---|---|---|
| Overall | Nectar Credit Card | Nectar Points | Earn 1% on all spending, plus a 20,000 point welcome bonus |
| No Annual Fee | The Partnership Card | John Lewis/Waitrose Vouchers | Earn 1.25% on John Lewis/Waitrose spending, 0.1% elsewhere. No fee. |
You might be wondering why we haven't mentioned any Tesco credit cards here. That's because they are not as highly rewarding as the cards mentioned above. For example, using a Tesco credit card to buy groceries at Tesco, you'd earn 1 Clubcard point for every £4 you spend (in addition to the 4 Clubcard points you'd earn for every £4 spent in Tesco just for being a Clubcard member). That means that using a Tesco credit card only increases your rewards a small amount (bumping points from 4 to 5 per £4 spent). Assuming a value per Clubcard point of 1p, that's a 1.25% reward rate—but most of that is earned just for being a Clubcard member, not for having their credit card.
Also, readers should be aware that Tesco Clubcard points are now worth 2x their value with Reward Partners (down from the historical 3x). This devaluation means the 'boosted' return is now lower, which may impact how the card compares to Nectar-based alternatives for certain shoppers
Instead, for example, using the Amex Nectar credit card (free in the first year) and swiping a Clubcard when shopping at Tesco would earn you 2% (1% from the Clubcard points and 1% from the Nectar card).