1.Tesco Clubcard Credit Card
Tesco Bank
- 5%Points per £4 spent at Tesco
- 1%Points per £8 spent elsewhere
No direct, up-front points-based welcome bonus; benefits structured as long-term 0% interest periods.
Earn 5 points per £4 at Tesco, 1 point per £8 elsewhere.
12.9%-30%
The Tesco Clubcard Credit Card stands out as a great choice for Tesco shoppers, allowing them to earn extra Clubcard points on their purchases, which can be converted into vouchers for savings on shopping.
Pros:
- Collect Clubcard points
- No annual fee
Cons:
- No direct welcome bonus
- Variable APR
2.M&S Bank Rewards Credit Card
M&S Bank
- 1%Points per £1 spent at M&S
- 0.2%Points per £5 spent elsewhere
Earn 4,000 bonus points (worth £40) when you spend £1,000 in the first 3 months.
Earn 1 point per £1 at M&S, 1 point per £5 elsewhere.
23.9%-24.9%
What sets the M&S Bank Rewards Credit Card apart is its attractive welcome bonus and the ability to earn points that convert into vouchers, making it ideal for frequent M&S shoppers.
Pros:
- No annual fee
- Generous welcome bonus
Cons:
- Higher APR
- Limited to M&S for maximum rewards
3.John Lewis Partnership Credit Card
John Lewis Finance
- 5%Points per £4 spent at John Lewis and Waitrose
- 1%Points per £10 spent elsewhere
Earn double points for the first 60 days.
Earn 5 points per £4 at John Lewis and Waitrose, 1 point per £10 elsewhere.
29.9%
The standout feature of the John Lewis Partnership Credit Card is its double points offer for new cardholders, making it an excellent choice for those who frequently shop at John Lewis and Waitrose.
Pros:
- Double points for new customers
- No annual fee
Cons:
- High APR
- Limited to John Lewis and Waitrose for maximum rewards
4.Lloyds Bank Ultra Credit Card
Lloyds Bank
- 1%Cashback on all purchases in the first year
- 0.25%Cashback on all purchases thereafter
No traditional upfront welcome bonus; main incentive is cashback.
Earn 1% cashback on all purchases in the first year, 0.25% thereafter.
12.9%
This card shines for its straightforward cashback rewards, especially in the first year, making it a strong contender for those looking for a no-fee card with initial high returns.
Pros:
- No annual fee
- 1% cashback in the first year
Cons:
- Lower cashback rate after the first year
- Limited rewards structure
5.Amex Cashback Everyday Credit Card
American Express
- 5%Cashback on spending for the first 5 months
- 0.5%Cashback on up to £10,000 annual spend
- 1%Cashback on spend over £10,000
5% cashback on spending for the first 5 months, up to £125.
5% on spending for the first 5 months, then 0.5% on up to £10,000 annual spend, 1% on spend over £10,000.
29.4%
The Amex Cashback Everyday Credit Card is the best option for those looking to maximize their cashback in the first few months, with a generous introductory offer that significantly boosts initial rewards.
Pros:
- Strong introductory cashback rate
- No annual fee
Cons:
- Higher ongoing APR
- Requires minimum spend for base cashback
6.Barclaycard Rewards Credit Card
Barclaycard
- 0.25%Cashback on eligible purchases
- 1%Cashback on Amazon purchases
No specific welcome bonus mentioned.
0.25% cashback on eligible purchases, 1% on Amazon purchases.
28.9%
A key differentiator for the Barclaycard Rewards Credit Card is its cashback on Amazon purchases, making it appealing for frequent Amazon shoppers while maintaining a no-fee structure.
Pros:
- No annual fee
- Cashback on Amazon purchases
Cons:
- Lower cashback rate
- Limited to specific retailers for higher rewards
Final Words
As you consider the best grocery credit cards this January 2026, remember that the right choice will depend on your spending habits and rewards preferences. Take time to compare your options and make an informed decision that aligns with your financial goals.
Frequently Asked Questions
The Tesco Clubcard Credit Card offers no direct, up-front points-based welcome bonus; benefits are structured as long-term 0% interest periods. You can earn 5 points per £4 at Tesco and 1 point per £8 elsewhere, providing great rewards for grocery shopping.
With the M&S Bank Rewards Credit Card, you can earn 4,000 bonus points (worth £40) when you spend £1,000 in the first 3 months. Additionally, you earn 1 point per £1 at M&S and 1 point per £5 spent elsewhere, making it a solid choice for regular shoppers.
The John Lewis Partnership Credit Card allows you to earn double points for the first 60 days. After that, you earn 5 points per £4 spent at John Lewis and Waitrose, and 1 point per £10 spent elsewhere, offering excellent rewards for loyal customers.
Grocery credit cards can be worth it if you frequently shop at specific supermarkets that offer rewards. They typically provide higher points or cashback rates on grocery purchases, which can lead to significant savings over time.
When selecting a grocery credit card, consider the reward rates, welcome bonuses, and any annual fees. It's also wise to evaluate where you shop most often to maximize your rewards based on your spending habits.
Many grocery credit cards have no annual fee, making them accessible for most consumers. However, it's important to review each card's terms as some may charge fees, particularly those that offer premium benefits.
To apply for a grocery credit card, visit the issuer's website, fill out the application form with your personal and financial details, and submit it for review. Approval usually depends on your credit score and income.
