Morrisons More Card explained: points, Fivers and the quirk most shoppers miss

The More Card pays you per product, not per pound, which changes how much it's really worth. Here's how the points, Fivers and member prices work, and the expiry traps to dodge.

The Morrisons More Card is free, takes a couple of minutes to set up, and works differently from every other big supermarket loyalty card. While Tesco's Clubcard and Sainsbury's Nectar reward you based on how much you spend, Morrisons rewards you for how many things you buy: 5 points for every eligible product, whether that's a 45p tin of beans or a £12 joint of beef.

That one quirk decides how much the card is actually worth to you. It also means a lot of the advice floating around online is wrong or out of date, including claims that points are earned per pound, or that there's still an NHS or student club (there isn't, Morrisons removed those from the app to focus on personalised offers).

This guide covers how the scheme really works in 2026, what your basket is likely to earn, the three expiry rules that quietly cost people money, and whether it's worth your wallet space at all.

What is the Morrisons More Card?

The More Card is Morrisons' free loyalty scheme. It replaced the old My Morrisons programme in 2023 and gives members four things:

• More Points – 5 points on every eligible product you buy in store, online, in selected Morrisons Daily stores and on Morrisons Groceries at Amazon
• Fivers – every 5,000 points converts into a £5 voucher to spend at Morrisons
• More Card Prices – member-only discounts on hundreds of products, flagged on shelf-edge labels in store and on product pages online
• Personalised offers – money-off coupons and bonus-point deals based on what you actually buy

You can use it as a physical card, in the Morrisons More app, or saved to Apple or Google Wallet. However you carry it, the rule is the same: scan before you pay, or the points don't count.

How Morrisons More points work: 5 points per product, not per £1

This is the bit most guides get wrong, so it's worth being precise. You earn 5 points per eligible product. Each point is worth 0.1p, so every item you buy is worth half a penny back, regardless of its price.

That sounds trivial, but it reshapes who wins from the scheme:

• A £50 trolley containing 50 budget items earns 250 points, worth 25p
• A £50 basket containing 10 premium items earns just 50 points, worth 5p

Same spend, five times the reward. If your shopping is lots of low-cost essentials, the More Card treats you relatively well. If you pop in for a few expensive bits, the base points are close to worthless, and the real value for you sits in More Card Prices and personalised offers instead.

Here's what realistic shopping habits earn in base points over a year:

If you fill up at a Morrisons petrol station, you'll also earn 5 points per litre of fuel, and you can earn points on EV charging too. Forty litres a week adds roughly another £10 a year in Fivers.

Be honest with yourself about these numbers: base points alone won't transform your food bill. Where regular Morrisons shoppers genuinely save is by stacking the points with member prices, activated offers and Points Boosters, monthly opt-in challenges in the app that pay bonus points for spending on particular products or categories. You have to activate boosters and personalised offers before you shop, so a 30-second check of the app while writing your shopping list is the single best habit the scheme rewards.

How to get a Morrisons More Card for free

(Image credit: Getty Images)

Signing up is free and takes a few minutes:

1. Via the app - download the Morrisons More app for iPhone or Android, register, and you'll get a digital card to scan straight away
2. Online – sign up at the official Morrisons More page; existing Morrisons.com customers can use their usual login
3. In store – ask a colleague at any Morrisons

If you'd like a physical card, request one through the "Manage My Card" section of the app or website, or ask in store.

One warning worth knowing: Morrisons has flagged that fraudulent websites and QR codes have tried charging people for More Cards. The card is always free. Only sign up through the official Morrisons site, the official app, or in store.

Even if you prefer a plastic card, it's worth having the app too. It's where you activate offers and boosters, check your balance, convert points and fix missed scans, none of which you can do with the card alone.

Morrisons Fivers explained: value, expiry dates and the mistake to avoid

Once you hit 5,000 points, you can turn them into a £5 voucher, which Morrisons calls a Fiver. How that happens depends on how you use the scheme:

• App users convert points manually in the Fivers tab, choosing whether to redeem in store or online
• Card-only members get their Fiver printed automatically at the till once they pass 5,000 points

Now the trap. Physical Fivers printed at the till are valid for 12 months, but digital Fivers converted in the app are only valid for around 3 months. So don't convert points in the app "to be safe" , leave them as points until you're actually planning a shop, then convert.

Three more rules that catch people out:

• Points expire 12 months after you earn them if they haven't been converted into a Fiver
• Your whole balance is wiped if your card goes unused for 52 weeks, so even occasional scans keep your account alive
• Fivers can't be spent in Morrisons Daily stores, and can't be used on things like fuel, tobacco or lottery

Forgot to scan at the checkout? The app has a "Forgot to scan your card?" feature: scan the barcode on your receipt within 14 days and your points are added retrospectively. It won't refund missed More Card Prices though, those only apply if you scan at the time.

If a printed Fiver goes missing or you leave it at the till, call Morrisons customer services on 0345 611 6111 and they can cancel the voucher and put the points back on your account.

More Card Prices, personalised offers and hidden perks

Points get the attention, but for most members the bigger savings come from everything else attached to the card.

More Card Prices work like Clubcard Prices or Nectar Prices: member-only discounts on hundreds of products, marked on shelf-edge labels in store. Scan your card at the checkout and the lower price applies; online, just make sure you're logged in. Usefully, if an online item on a More Card Price is substituted, Morrisons applies the same discount to the replacement.

Personalised offers appear in the "My Offers" section of the app or website and need activating before they work. They're based on your shopping history, so the more you scan, the more relevant they get. Make sure you're opted in to personalised offers in "Manage My Preferences", or you won't receive them.

The free café hot drink is the perk most members don't know about. At the time of writing, More Card holders can claim a free hot drink in Morrisons Cafés after 2.30pm, once a week, any day (hot chocolate and mocha excluded). If you're near a café regularly, that alone is worth more than most people's annual base points.

The Baby & Toddler Club offers extra coupons on nappies, baby food and café deals for members with a child under five. Join via the "More from Morrisons" section of the app. Note that this is now the only club: Morrisons has removed the NHS, teacher and student clubs, so ignore any guide still promoting them.

More Partners lets you earn points by clicking through the More app or website to over 300 retailers, including eBay, Very, Just Eat and ASOS, similar to a cashback site. It's fine if you're already in the app, but dedicated cashback sites usually pay more for the same purchase, so compare before you click.

Where you can earn More points: fuel, online shops and Amazon

At the pumps, scan your card or app before paying (or show it at the kiosk) and you'll earn 5 points per litre. Note that a Fiver can't be spent on fuel.

Online at Morrisons.com, log in to your account before checking out and points are added automatically — though they can take up to 72 hours to appear after a delivery or collection. Check out as a guest and you'll earn nothing.

On Amazon, Morrisons Groceries orders earn the same 5 points per product, but only once you've linked your More Card number to your Amazon account. It's a one-off job that takes a minute and is easy to forget.

How to add your Morrisons More Card to Apple Wallet or Google Wallet

If you don't want to open the app at every checkout:

1. Open the Morrisons More app
2. Tap your digital More Card on the home screen
3. Tap "Add to Apple Wallet" (or the Google Wallet option on Android)

Your card then sits with your other passes and scans from the lock screen. It behaves exactly like the app barcode, including for More Card Prices.

What Morrisons More Card points are not earned on

Not everything in your basket counts. Morrisons excludes a fairly long list from earning points, including fuel purchases themselves (the per-litre points are separate), cashback, fireworks, lottery and instant tickets, tobacco and vapes, prescription medicines and pharmacy services, infant milk and formula, carrier bags, gift cards and vouchers, phone top-ups, stamps, photo processing, car park tickets, online delivery charges, dry cleaning and vending machines.

Most weekly shops are barely affected, but if your basket regularly includes gift cards or baby formula, don't expect points on those items. The full, current list is in the More Points and Fivers section of Morrisons' More help pages.

Is the Morrisons More Card worth it?

If you shop at Morrisons regularly, yes, but not mainly for the points. It's fair to be sceptical: our own research found nearly two-thirds of UK adults think loyalty cards are just there to make you spend more. But a typical weekly shopper collects £10–£15 a year in Fivers from base points, and the real return comes from stacking:

1. More Card Prices on things you'd buy anyway
2. Activated personalised offers and Points Boosters before each shop
3. Base points ticking away in the background
4. The weekly free café drink if you're near one

Do all four and a regular shopper can realistically get £30 or more of value a year for zero effort beyond scanning. That's broadly competitive with Clubcard and Nectar, though those schemes reward big spenders better because they pay per pound.

If you only shop at Morrisons occasionally, it's still worth having, it's free, and More Card Prices apply from your very first scan, but keep expectations low on points, and remember the 52-week rule: an unused account eventually loses its balance.

One golden rule regardless: choose where you shop on price, not points. Half a penny per item should never send you to a more expensive store. And before any big Morrisons order online, check the latest Morrisons voucher codes, new-customer money-off codes can be worth more than a year of points in a single shop, and they work alongside your More Card.

Morrisons More Card setup checklist: what to do before your next shop

Do these once and the scheme largely runs itself:

• Sign up free via the official Morrisons More page or app (never pay a third-party site)
• Add the card to Apple or Google Wallet so you never forget to scan
• Opt in to personalised offers under "Manage My Preferences"
• Activate this month's Points Boosters and any offers in "My Offers"
• Link your card number to Amazon if you use Morrisons on Amazon
• Join the Baby & Toddler Club if you have a child under five
• Set a habit: check the app before writing your shopping list, and only convert digital Fivers when you're about to shop

Not near a Morrisons? The same logic applies elsewhere: see our guides to the Tesco Clubcard and the Nectar card to work out which scheme suits where you actually shop.

Morrisons More Card FAQs

Do Morrisons More points expire?

Yes. Points expire 12 months after you earn them if they haven't been converted into a Fiver, and your whole balance is removed if your card goes unused for 52 weeks.

How long do Morrisons Fivers last?

Physical Fivers printed at the till are valid for 12 months. Digital Fivers converted in the app are valid for around 3 months, so only convert when you're ready to shop.

Can I get points if I forgot to scan my card?

Yes, use the "Forgot to scan your card?" feature in the app to scan your receipt barcode within 14 days. You can't reclaim missed More Card Prices, though.

Is there a Morrisons NHS or student discount through the More Card?

No. Morrisons has removed the NHS, teacher and student clubs from the More scheme. The Baby & Toddler Club (for children under five) is the remaining club.

Does the More Card cost anything?

No, it's completely free. Morrisons has warned about fake websites and QR codes charging for cards, so only sign up via the official site, app or in store.