Best fuel cards in the UK for 2026
Loyalty schemes and business fuel cards compared, and how to use them without overpaying.
A loyalty card won't replace finding a cheap station, but it's free and adds a little on top. Schemes change often, so check current terms before relying on any rate.
Key points
- Fill up at the cheapest station first, then use whichever card matches it.
- Never pay more per litre, or drive further, just to earn points.
- Supermarket in-store fuel offers usually beat points on the fuel itself.
Loyalty schemes
Tesco Clubcard
Earn points on fuel at Tesco forecourts, and look out for Clubcard fuel offers linked to your grocery spend. Combined with competitive supermarket prices, it's one of the better-value options.
Nectar (Sainsbury's and Esso)
Earn Nectar points on fuel at Sainsbury's and participating Esso stations. The return per litre is small, but bonus-point promotions can lift it, and the two networks give wide coverage.
Morrisons More
Earn points on fuel, plus regular money-off-fuel offers when you spend in store. Worth it if you do a big shop there anyway.
Shell Go+
Rewards lean towards the shop (drinks and food) with occasional personalised fuel offers. Shell's pump prices are usually above supermarkets, so it rarely pays unless Shell is already your cheapest option.
BP rewards
BP's app lets you pay at the pump and earn points towards fuel or shop purchases. Like Shell, its prices tend to sit above supermarkets.
Our take: sign up to the free schemes, then let price decide where you fill up. Being 5p a litre cheaper beats any points scheme.
Business fuel cards
If you're self-employed or run vehicles for a business, a fuel card consolidates spend into one invoice and simplifies VAT reclaims.
- Allstar: multi-brand acceptance across most UK networks, with HMRC-compliant invoicing. Good if you need flexibility.
- Esso Card: offers fixed weekly pricing at Esso stations. Suits predictable routes.
- BP Plus: BP's network plus partner sites, with online reporting. Suits larger fleets.
Getting the most from them
- Stack: find the cheapest station on Tanki, then use its card.
- Watch in-store offers: "pence off fuel when you spend £X" deals are often worth more than points.
- Don't chase points: if the cheapest station near you is an independent with no scheme, fill up there anyway.
More ways to cut costs: 10 ways to save money on fuel.
Questions
Are fuel loyalty cards worth it?
Yes, they're free and add a small return, but only use them at stations that are already cheap. A lower price per litre beats points every time.
What is a business fuel card?
A card for company or self-employed drivers that consolidates fuel spend into one invoice and makes reclaiming VAT simpler.