If you shop at Tesco regularly, you’ve probably come across Clubcard Plus and wondered whether it’s another pointless subscription — or something that could genuinely reduce your food bill. With grocery prices rising and loyalty schemes becoming more complicated, it’s worth cutting through the noise.

So, is Tesco Clubcard Plus worth the £7.99 a month?
For many families, yes — and in 2026 it’s better value than ever.

Let’s break down exactly what you get and how much you can realistically save.

What Is Tesco Clubcard Plus?

Clubcard Plus is a paid upgrade for Tesco Clubcard holders. For £7.99 per month, it gives you:

• 10% off two in-store Tesco shops per month
• 10% off selected Tesco own-brand ranges anytime
• Double data on Tesco Mobile pay-monthly plans
• Access to the Clubcard Plus Credit Card, offering extra points, 0% purchase periods and fee-free overseas spending

Importantly:

You do not need Clubcard Plus to get Clubcard Prices — those come with the free Clubcard.

Why Tesco Launched Clubcard Plus

I still remember when Tesco looked unstoppable in the early 2000s. They dominated everything — groceries, banking, insurance… you name it. Fast-forward, and things took a turn. Shoppers flocked to Aldi and Lidl, their US expansion collapsed, and even their mortgage business disappeared.

Now Tesco is fighting back with loyalty schemes. And Clubcard Plus is its attempt to keep customers coming into stores rather than heading to cheaper rivals.

What Benefits Do You Get With Tesco Clubcard Plus?

1. 10% off your shop – twice a month

This is the main perk. Each month, two digital vouchers appear in your Clubcard Plus app. Scan one at the till to get 10% off that entire shop, up to a maximum saving of £20 per shop (so £40 total per month).

2. 10% off selected Tesco own-brand ranges

This discount applies every time you buy:

• F&F clothing
• Fred & Flo (baby essentials)
• Carousel (children’s toys)
• Tesco Pet products
• Fox & Ivy (homeware)
• Go Cook (kitchenware)

For anyone with kids, pets or a home to run, these savings add up fast.

3. Double data with Tesco Mobile

If you’re a Tesco Mobile pay-monthly customer, your monthly data allowance is doubled for free. Not life-changing, but still a useful extra.

4. Clubcard Plus Credit Card

This includes:

• Extra Clubcard points everywhere you spend
• Up to 24 months 0% interest on purchases
• No foreign exchange fees — ideal for holidays

Like any credit card, it only works in your favour if you pay it off in full.

What’s Excluded From the 10% Discount?

Tesco has quite a long list of exclusions, including:

• Fuel
• Lottery
• Gift cards
• Stamps
• Tobacco
• Baby formula
• Newspapers & magazines
• Electricals
• Mobile phones & accessories
• Sports, DIY, toys, gardening, entertainment
• In-store cafes or concessions
• Alcohol that’s already on a “25% off 6 bottles” deal

The key thing to remember: The discount favours food, clothing and household ranges — not general merchandise.

Can You Use Clubcard Plus Online?

No.
The discount is in-store only.

Tesco loses money on most online orders and doesn’t offer the 10% discount for delivery or click-and-collect.

How Much Does Clubcard Plus Cost?

The subscription costs £7.99 per month.
You can cancel anytime — no ties, no minimum term.

Can You Use Clubcard Vouchers to Pay for It?

Sadly, no. Tesco doesn’t allow vouchers to cover the subscription fee.

Is Tesco Clubcard Plus Worth It in 2026? (Let’s Run the Numbers)

This is where most people get confused, so let’s make it simple.

Updated 2026 spending data

The latest ONS figures show:

• Average household grocery spend: £581 per month

But what matters is not what you spend overall — it’s what you spend in a Tesco store.

Break-even point: £80 per month in-store

The subscription costs £7.99.
You save 10% on two shops.

So:
£7.99 ÷ 0.10 = £79.90

This means:

If you spend at least £80 per month in a Tesco store, Clubcard Plus pays for itself.

Any more than that = real savings.

Realistic Examples (based on updated 2026 prices)

Example 1: Two £70 shops

• Spend: £140
• 10% saving = £14 + £14 = £28
• Subscription = £7.99
• Net saving = £20.01

This is the typical family scenario.

Example 2: Two £50 shops

• Spend: £100
• Saving = £10 + £10 = £20
• Subscription = £7.99
• Net saving = £12.01

Still worth it.

Example 3: Two £40 shops

• Spend: £80
• Saving = £4 + £4 = £8
• Subscription = £7.99
• Net benefit = 1p

This is your break-even point.

Example 4: Anything under £80 total per month

Not worth it.

Is Tesco Cheaper Than Aldi With Clubcard Plus? (2026 data)

A recent Which? study shows:

• Aldi remains the cheapest supermarket overall
• But the price gap between Aldi and Tesco with Clubcard Prices has narrowed to around 6–9%

Because Clubcard Plus gives:

• 10% off two big shops
• and points
• and sometimes cheaper Clubcard Prices

You genuinely can make Tesco cheaper than Aldi twice a month.

The smartest approach?

Do your two big shops at Tesco each month, then shop at Aldi or Lidl for everything else.

That way you use the discount to your advantage.

My Verdict: Is Tesco Clubcard Plus Worth It?

When I first reviewed Clubcard Plus years ago, the value wasn’t great. Groceries were cheaper elsewhere and the 10% didn’t make enough of a difference.

But things have changed.

Food inflation, tighter competition and Tesco’s aggressive Clubcard pricing mean:

✔ Clubcard Plus is now very good value for regular Tesco shoppers

✔ If you spend £80 or more per month in-store, you’ll save money

✔ If you buy clothes, pet food or baby products, you’ll save even more

✔ Use the vouchers on your biggest shops and Tesco can beat Aldi for two weeks each month

For online-only shoppers or those who rarely visit Tesco, it’s not worth the £7.99.

But for everyone else?

Clubcard Plus is absolutely worth it — and one of the few supermarket subscriptions that genuinely pays for itself.

If you found my post ‘is Tesco Clubcard Plus worth it’ helpful, why not look at my post about getting the best value from your Clubcard vouchers?

FAQs