Forecourt loyalty schemes are genuinely worth having, and they are also routinely oversold. Below is what each of the main UK schemes says about itself on its own pages — earning rates where they are published, and mechanisms where they are not — followed by the comparison that actually decides where you should fill up.

Shell GO+ Rewards

Shell’s scheme runs through the Shell App and is free to join. Shell’s own page describes earning points by scanning your Shell App, card or key fob when you fuel up, when you charge an EV at Shell Recharge branded charge posts, and when you buy selected in-store products at participating service stations. Points can then either be spent directly — Shell describes scanning at the till and asking to pay with points, including at Pay at Pump — or exchanged for rewards and partner e-gift cards.

Alongside points, Shell lists member benefits including buy seven hot drinks and get the next one free, and 10% off selected deli by Shell items, car and jet wash, and Shell Helix engine oils. Shell does not publish a headline points-per-litre rate on that page, so we are not going to quote one; what is verifiable is that the scheme earns on fuel and converts into spendable value. Source: shell.co.uk.

BPme Rewards

BP’s scheme publishes its rates plainly. On the BPme Rewards site, one litre of regular fuel earns 1 point and one litre of bp Ultimate earns 2 points, while £1 spent in the shop earns 1 point. Points are redeemed at the till against fuel or shop purchases, or traded for vouchers and partner rewards. BP is running the scheme through the BPme app, which also handles paying for fuel from the car. Source: bpmerewards.co.uk.

BP separately promotes “BPme Rewards Price”, which it describes as unlocking lower prices on everyday shop items including M&S food and Wild Bean Cafe at participating stores, subject to its terms. Note what that is: a shop discount, not a fuel discount. Source: bp.com.

Esso Nectar

Esso’s scheme is the most transparent of the set, because both halves of it are published. Esso’s FAQs state that customers earn one Nectar point for every litre of fuel purchased at participating Esso branded service stations across Great Britain, and two Nectar points per pound spent in the shop and on car wash. On redemption, the same FAQs state that at participating sites you can swap 300 Nectar points for 5p off per litre, applied to the first 60 litres, on a minimum fill of 10 litres, with a maximum of 300 points exchanged in a single transaction. Esso reserves the right to change or withdraw the offer, so treat it as current terms rather than a standing promise. You collect by linking a Nectar card to the Esso app and scanning at Pay at Pump, or by scanning the card at the kiosk. Source: esso.co.uk FAQs.

Because both sides are published, the arithmetic is checkable rather than assumed: 300 points redeems for at most 5p on 60 litres, or £3, and at one point per litre, earning those 300 points from fuel alone takes 300 litres — across several fills, since Nectar caps points per transaction. That is a return on the order of a penny a litre on fuel spend, before anything you earn in the shop or elsewhere in the Nectar network. Esso also notes that Nectar collection does not apply at Esso stations with a Tesco Express shop attached — those run Clubcard instead.

Tesco Clubcard at Esso Forecourts

Tesco and Esso operate a forecourt partnership, and Esso’s FAQs set out the terms: at Esso branded service stations with a Tesco Express shop you collect one Clubcard point for every £3 spent on petrol or diesel, claimable on the first 100 litres of each fuel, and one point for every £1 spent on car washes or other in-store purchases. The same FAQs confirm those stations accept Clubcard vouchers — paper or digital — towards payment for fuel or shop purchases, and put the partnership at nearly 200 stores. Source: esso.co.uk FAQs.

The voucher side is the part worth noticing. Being able to pay for fuel with vouchers earned on a weekly grocery shop is a different proposition from earning a few points at the pump.

Morrisons More

Morrisons’ scheme is a supermarket programme with a forecourt component. Morrisons’ own More page states that members earn 5 More Points on every product when scanning their card in store and online, and that you can also earn points on every litre of fuel you buy and on every pound spent on EV charging. On redemption, Morrisons states that once you reach 5,000 points you can convert them into a “Fiver” to spend in store or online. Morrisons does not publish a points-per-litre fuel rate on that page, so we are not quoting one. Source: morrisons.com/more.

The Comparison That Matters

Now the part the schemes will not tell you. On 16 August 2026 we measured mean E10 prices by brand across the roughly 3,900 UK stations we track: Sainsbury’s 152.9p, Morrisons 159.3p, Jet 159.6p, Asda 159.9p, Shell 161.4p, Esso 161.6p, BP 162.0p.

That is a spread of about 9p per litre between the cheapest and dearest brand averages, and it is available to you before you join anything. Set it against the one scheme whose full arithmetic is published — Esso Nectar, at roughly a penny a litre back on fuel spend — and the conclusion is uncomfortable but clear: a loyalty scheme is a tie-breaker between forecourts that are already close on price, not a reason to drive past a cheaper one. This is our own measurement across the stations we cover, not a national statistic.

Where schemes do earn their keep is in the places the price board does not reach: vouchers from grocery spend that can be turned into fuel, shop and coffee benefits you would have bought anyway, and EV charging rates for drivers running two kinds of vehicle. Use them for that. For the price side, our guide to saving on fuel and our motorway pricing guide point at the larger levers, and business drivers should read our fuel cards guide instead — fleet cards work on a different basis entirely.

A Note on Checking Terms

Every figure above is quoted from the operator’s own published page as of August 2026, and every one of these schemes reserves the right to change its terms, its participating sites and its promotions. Rates that were accurate when we checked may not be when you read this, and “participating stations” is doing real work in most of these terms — Esso, for example, states that fuel prices at its branded stations are set independently by dealers even though the Nectar offer is the same everywhere. Check the scheme’s own page before you plan around a number.