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When I worked permanently, very often, I purchased an Annual Railcard and enjoyed the train journey.
Years ago when I purchased one, at the normal price, there was incentive, for some years, since one could, for a very reasonable cost, pay a sum to entitle a discount (I cannot remember how much but I, rightly or wrongly, think one-third.
Re Tesco Rewards £14 deal for £28 annual railcard. This allows each £1 Tesco Reward to be valued at £2, but many other Reward deals allow the £1 Reward to be valued at £4, e.g. many of the "Days Out" deals. It's better to buy the 3 year Railcard and to "spend" your Tesco Rewards on other deals.
Definitely worth the high initial outlay.