Both supermarkets offer a loyalty card scheme, Tesco’s Clubcard and Sainsbury’s Nectar Card. Unlike Tesco’s Clubcard, the Nectar card has far more partners you can use/spend your points with but Tesco’s has been perceived as more generous in terms of the points you earn. If you spend £200 a month with Tesco, you’d earn 2,400 points over the year, or £24. Unfortunately, the rate of return from Nectar is only half as good as Clubcard as each point is only worth 0.5p.