I was updating this thread: Best interest free period for shopping, pay 0% interest for 15 months with M&S. where I was looking at the difference between the Tesco Clubcard Credit Card and the M&S Rewards Credit Card. It got me thinking about shopping at Tesco (my closest supermarket) and the fact that you'd actually earn 10p extra by using the M&S Rewards Credit Card for every £40 you spend, making it better value than the Tesco Clubcard Creditcard!

If you do a lot of shopping in Tesco and already have a clubcard you're probably better off getting an M&S credit card!

£40 shopping trip at Tesco paying with Clubcard Credit Card:
If you spend £40 at Tesco with your clubcard credit card you'd get:
40 clubcard points (double at present so 80)
+ 10 credit card clubcard points
= 90p worth of points

£40 shopping trip at Tesco with Clubcard (not Clubcard Credit Card) and paying with M&S Rewards Credit Card:
40 clubcard points (double at present= 80)
+ 20 M&S reward points (1 for every £2 you spend)
= £1 worth of points, 80p at tesco + 20p at M&S.

It all depends if you go to M&S & Tesco obviously!