There's no doubt about it, reward cards can be rewarding, but it's not always easy to understand how your hard earned points translate into cold hard cash. In our Q&A section Marco asked the question “How much are my Nectar points worth?” to help we've created a tool to allow you to quickly and easily work out the true value of your Nectar points. How much are yours worth?

What is Nectar?

For the uninitiated Nectar is a popular reward card used by stores such as Sainsburys, Argos, Homebase, and even ebay. Every time you make a purchase at one of these stores, your Nectar card is swiped and points are added to your account. These points can be converted into cash, vouchers, or even used for purchases. Nectar has had a bad reputation of late for being one of the lowest paying reward cards, but while Amazon and Debenhams have both pulled out of the program, we think it's still worthwhile for those who regularly shop at Sainsbury's, or fill up with fuel at BP.

How do I get a nectar card?

You can apply for a Nectar card online at Nectar.com or pick one up in selected participating stores. If you do the latter, you can begin using it straight away, then register it with Nectar once you get home.

How do I work out what my points are worth?

The calculation is pretty simple. There's roughly 200 nector points to the pound, not including bonuses or special offers. Still, rather than doing the maths yourself, simply select Nectar as the reward card type, enter the number of points you have, and the tool will return the cash value.

Tip: Our calculator displays the value of your points in pounds, but Nectar regularly runs offers that when redeemed can boost the value of your points.

Spend your Nectar points

25 Comments

  • pat bolton

    How much is 0.04

    • carl

      0.04 GBP is 4 pence.

  • Andrew wallington

    Discusting discrasefull and fraudulent 3 pound for 600 points, tesco gives me 2 pound for every 20 spent. So 3 pound is an insult for my 600 pound diesel bought whic will now go to tesco

  • The value of 1808 nectar points

  • carl

    @Rockiffe 1808 points would be £9.04

  • Andrew Baird

    how can I find the total points on my card ?

  • Iv got 20000 Points worth £100 if I never collected them then I’d be £100 out so its like free Money even although we get charged for them one way or another do take them or the shops gain

  • diana

    Are the people on here seriously incapable of not being able to carry out simple calculations themselves???

  • Limara

    I think for what you spend to get nectar point is really shameful I have spent hundreds only only have £8 that’s just so wrong

    • Carl Michael

      Totally agree, but spend because it’s something you want/need to buy, from a place you want to buy it from, as oppose to spending because you might get some points.

    • DJ LEWIS

      They have no obligation to give you points.

      Go elsewhere!!!

  • GEMMA ROSS

    Saintsbury’s credit card says you get 1 point for every 5 transferred. So if we transfer 3000 they will give me 600 points = £3 What a scam, my credit card will go to Barclaycard.

  • I use the company’s fuel card to purchase diesel , costs me £0 .. is it worth the bother ?

    • Carl Michael

      If it doesn’t cost you anything, then why not? Nectar points aren’t worth much, but they can add up over time. Especially on something like fuel. Of course technically the points belong to the company but if they don’t mind then it shouldn’t be a problem. Beware, HMRC has yet to confirm its position on cashback and rewards on company credit cards/purchases.

  • Beannie

    I’ve been saving points all year and spent my points mainly on wine for Christmas. I got up to £95, which was extra to me because I shop there every week. Also I got a voucher for 6500 points, worth £30 about. That will start my saving for next year. Well worth it.

  • Geoff Marston

    The points are not worth the bother !!!…What a load of crap…

  • Kunle Jones

    I use the nectar card because Sainsbury’s is the closest supermarket to me. I think the Tesco reward scheme is much better value. That said forget about all the reward schemes shop at LIDL for best rewards. All my Sainsburys vouchers don’t add up to the savings I get at Lidl.

    If you must use Nectar, then wait till their double up week (I think they have them about twice a year). They double the value of the nectar points.

  • Stephanie Shaw

    They are hardly worth collecting, but it’s better than nothing. With the value of these points being so low it doesn’t encourage me to purposely collect them.

    • Carl Michael

      Agreed. My opinion is collected them if you are going to spending in a store that uses them, but don’t go out of your way to collect them. The article on reward cards makes this clear.

  • Mark Wilkinson

    Same as i have 12000 points =£60.I can spend £2.50 a day off my nector card at sainsburys wow what a rip proper it’s took about 2 years to get these points.Tesco for me now but I read i can spend their points on eBay convert them and spend so free deadliest catch season 12 for me well it’s not free it’s cost hundreds bye bye sainsburys lol

  • Mrs Josephine Durdy

    I can’t find out how many nectar points I have

    • Carl Michael

      If will be listed on any receipts you have when you use your card. The only other way is to visit the Nectar website.

  • Gary Nicholson

    …. Buy online with your £ 10 off a £50 voucher ….get them to bring your bulk…tins..tatties..veg…heavier stuff…do an in store top up shop …get another 20% off a 50£ shop…better than a kick in the nectars…

  • Spike T

    I can see a lot of professional moaners commenting on here. I have a nectar car just for having a Nectar card. If I use eBay, Sainsbury’s or BP I get points. At the time of writing this I have 11299 points which equates to £56.50…. £56.50 I wouldn’t have without the points.

  • Sven

    It’s a 0.5% discount on your shopping

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