With petrol at 135p per litre and diesel at 143p, every penny counts at the pumps. Yet most drivers hand over their money without collecting a single reward point. That's money left on the table.
By strategically combining loyalty cards, fuel apps, and cashback credit cards, the average UK driver can realistically save £50-150 per year – without changing where they fill up or how they drive.
Supermarket Loyalty Cards: The Foundation
If you fill up at supermarkets (and you should – they're typically 3p per litre cheaper than branded forecourts), you're already in prime position to earn rewards.
Tesco Clubcard
Tesco's scheme is the most straightforward for fuel:
- 1 point per £2 spent on fuel (compared to 1 point per £1 in-store)
- Each point equals 1p
- Minimum 150 points to receive vouchers
- Vouchers can be spent on fuel at Tesco petrol stations
A driver spending £150 per month on Tesco fuel would earn 900 points (£9) per year from fuel alone, plus whatever they earn on groceries.
Nectar Card (Sainsbury's & Esso)
Nectar is the UK's largest loyalty scheme, and it works at both Sainsbury's petrol stations and Esso forecourts:
- 1 point per litre at Sainsbury's
- 1 point per litre at Esso stations
- Each point worth 0.5p (so 200 points = £1)
- Redeem in 500-point blocks (£2.50)
- Special offers let you swap points for 5p off per litre
The Esso partnership is particularly valuable if there isn't a supermarket forecourt near you. Look out for "Nectar Double Up" events where your points are worth more.
Morrisons More Card
Morrisons offers 5 points per litre (worth 0.5p), making it one of the more generous schemes for fuel. The catch? Vouchers cannot be used to buy fuel – only groceries. Still worth having if you shop there anyway.
Asda Rewards
Asda's app-based "Cashpot" system is now nationwide. Scan your app when fuelling to build your balance, then convert to vouchers for fuel or shopping. Watch for bonus offers on fuel purchases.
Oil Company Apps: Visit-Based Rewards
Shell Go+
Shell takes a different approach with visit-based rewards:
- Earn 1 "visit" per £10 spent on fuel (or £2 in-store)
- Every 10 visits unlocks a reward
- £3 reward for every 300 litres of V-Power fuel
- 10% off hot drinks, food, and car washes
Shell tends to be pricier than supermarkets, so this works best if you're passing a Shell station anyway or specifically want premium fuel.
BPme Rewards
BP's scheme offers:
- 1 point per litre on standard fuel
- 2 points per litre on BP Ultimate
- Points redeemable on fuel, in-store purchases, or rewards catalogue
The Secret Weapon: Cashback Credit Cards
This is where the real savings stack up. Several UK credit cards offer cashback on fuel purchases:
Top Fuel Cashback Cards (January 2026)
- American Express Platinum Cashback Everyday: 0.5% cashback on all spending (up to 1% in year one)
- Santander All in One: 0.5% cashback on all purchases
- Chase Debit Card: 1% cashback on all spending for the first 12 months
For a driver spending £1,800 per year on fuel, 1% cashback equals £18 – on top of any loyalty points earned.
Stacking Strategy: Maximum Savings
The key is combining methods. Here's an example for a driver spending £150/month on fuel:
- Fill up at Tesco (saves ~3p/litre vs average = £1.65/tank)
- Scan Clubcard (earns ~75p in points per tank)
- Pay with 1% cashback card (earns ~75p per tank)
Total saving per tank: ~£3.15
Annual saving (filling up twice monthly): ~£75
Add in promotional offers, Clubcard Prices on groceries, and the occasional Nectar Double Up event, and £100-150 per year is achievable.
Quick Wins You Might Be Missing
Supermarket Voucher Offers
Watch for "Spend £60 in-store, get 10p off per litre" promotions. Time your big shop to coincide with needing fuel, and a family shop could save you £5+ on a full tank.
Price Lock Apps
Some apps let you "lock in" a fuel price when it's low and redeem later. Check Shell Go+ and BPme for occasional price freeze promotions.
Company Benefits
If you have a company fuel card, check whether you can still earn personal loyalty points. Many drivers don't realise they can double-dip.
The Bottom Line
No single loyalty card will transform your finances. But treating them as a system – combining supermarket rewards, fuel apps, and cashback cards – turns small savings into meaningful money.
The maths is simple:
- Supermarket vs branded forecourt: £40-60/year saved
- Loyalty points: £10-25/year earned
- Cashback card: £15-25/year earned
- Promotional offers: £20-40/year saved
That's potentially £85-150 per year for about five minutes of setup and the habit of scanning an app before you pay.
In a year when fuel duty rises are coming (from September 2026) and prices remain volatile, every saving helps. Why leave money at the pump?