How to save money at Tesco
Every way to pay less at Tesco, compared across 6 cashback sites, 9 gift card apps and Clubcard. Rates checked daily.
Ways to save at Tesco
- Pay with a discounted Tesco gift card Buy it in Gift Card Store on TopCashback before you shop. The card only works in store. You still get Clubcard points when you pay with it. 5%
- Shop online through a cashback site Rakuten has the highest percentage rate of 6 sites. Online orders only. TopCashback pays £12 per order instead: check who qualifies. 3.5%
- Collect Clubcard points 1 point for every £1 you spend at Tesco, and 1 point for every 2 litres of fuel. 1 point per £1
- Get Clubcard Plus if you do a big shop £7.99 a month. One in-store shop of £80 or more covers the fee. 10% off 2 shops
Putting it all together: a £200 shop at Tesco
How much you get back if you use every saving that works together. Worked out from today's rates. The debit card line assumes your card pays 1% cashback.
In store
| Clubcard Plus 10% off the shop | £20.00 |
| 5% back on a Tesco gift card from Gift Card Store on TopCashback | £9.00 |
| 180 Clubcard points, worth £1.80 at Tesco | £1.80 |
| Total back on £200 | £30.80 (15.4%) |
|---|
Clubcard Plus costs £7.99 a month and covers 2 shops like this.
Online
| 3.5% cashback from Rakuten | £7.00 |
| 1% from a cashback debit card | £2.00 |
| 200 Clubcard points, worth £2.00 at Tesco | £2.00 |
| Total back on £200 | £11.00 (5.5%) |
|---|
TopCashback pays £12.00 per order instead, if you qualify: more than Rakuten on this shop.
Tesco cashback rates compared
What each site pays you for shopping at Tesco online. Percentage rates first, highest first.
| # | Cashback site | Cashback | Type | Action |
|---|---|---|---|---|
| 1 | Rakuten | 3.5% | Percentage | Go to site* |
| 2 | Budgey | 2.4% | Percentage | Go to site* |
| 3 | Swagbucks | 1% | Percentage | Go to site* |
Fixed amounts per order
These pay a set amount per order, not a percentage, so they aren't ranked against the rates above. Fixed amounts are often for new customers only or need a minimum spend: check the site's terms. If you qualify, TopCashback's £12 is worth more than Rakuten's 3.5% on orders up to £342.
| # | Cashback site | Per order | Type | Action |
|---|---|---|---|---|
| 1 | TopCashback | £12 | Fixed amount | Go to site* |
| 2 | Quidco | £6 | Fixed amount | Go to site* |
| 3 | KidStart | £2.5 | Fixed amount | Go to site* |
Complete Savings lists 10%, but it's a paid membership you can only join through an offer at another shop's checkout, so it isn't ranked.
Cashback is often excluded on gift cards, marketplace sellers and orders using a voucher code the cashback site doesn't list. Check the site's Tesco terms before you buy.
Tesco gift card cashback
Buy a Tesco gift card in one of these apps before you shop and get a share of its value back.
Tesco gift cards only work in store. You can't use them for online orders. You still get Clubcard points when you pay with one, so scan your card as normal.
| # | Gift card app | Back on the card | Card works | Action |
|---|---|---|---|---|
| 1 | Gift Card Store on TopCashback | 5% | In store only | Go to app* |
| 2 | EverUp | 3.7% | In store only | Go to app* |
| 3 | Gains | 3% | In store only | Go to app* |
| 4 | Airtime | 3% | In store only | Go to app* |
| 5 | TopCashback | 2.6% | In store only | Go to app* |
| 6 | Sprive | 2.5% | In store only | Go to app* |
| 7 | JamDoughnut | 2.25% | In store only | Go to app* |
| 8 | Quidco | 2.25% | In store only | Go to app* |
| 9 | Custard | 2% | In store only | Go to app* |
Clubcard: the Tesco loyalty scheme
- You earn
- 1 point for every £1 you spend at Tesco, and 1 point for every 2 litres of fuel.
- With a gift card
- You still get points when you pay with a Tesco gift card, so you can have both: 5% back on the card from Gift Card Store on TopCashback plus your points.
- Points are worth
- 100 points turn into £1 to spend at Tesco, £2 at selected retail partners or £3 at selected restaurants.
- Also
- Since 14 October 2026 you can also earn points at over 500 other retailers through Tesco's Clubcard shopping portal.
Source: Tesco Clubcard, checked 2 Nov 2026. Check the latest rules with Tesco before you rely on them.
Clubcard Plus: the paid version
£7.99 a month. One in-store shop of £80 or more covers it: 10% off £80 is £8. Your second 10%-off shop each month is pure saving, up to £40 a month off if both shops are £200 or more.
- 10% off two in-store Tesco shops a month, up to £20 off each (£40 a month). Not on delivery or click and collect.
- 10% off selected Tesco own brands, such as F&F clothing.
- Double data on Tesco Mobile pay monthly plans.
- Cancel any time.
Source: Tesco Clubcard Plus, checked 2 Nov 2026.
Tesco cashback rate history
Today's best percentage rate is 3.5%. Over the 136 days we have tracked Tesco (since 21 Jun 2026), it has ranged from 1% to 3.5%, so today's rate is the highest we have recorded. Gift card rates are tracked from 1 Nov 2026.
How to save at Tesco, step by step
Cashback, online
- Start at the cashback site
Click through to Tesco from the top site above.
- Check out in one go
Same browser and session, with ad-blockers and coupon extensions off.
- Wait for it to confirm
It tracks in days and pays once Tesco confirms the order, often weeks later.
Gift card, in store
- Buy the card in the app
Pick the top app above and buy a Tesco gift card for what you plan to spend.
- Get your money back
The app adds 5% of the card's value to your account.
- Pay with the card
Use it at the till in a Tesco store. Scan your Clubcard as normal: you still get points.
Cashback missing? See the cashback guide.
