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 former 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?

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 a reputation for being one of the lowest paying reward cards (see our article on the best reward cards to carry), 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 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. One Nectar point is worth 0.5p. There are 200 Nectar points to the pound, not including bonuses or special offers. If you use Nectar regularly though it’s not uncommon to have thousands or tens of thousands of points. 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 Nectar points calculator displays the value of your points in pounds, but Nectar regularly runs offers that when redeemed can boost the value of your points.

How much is a Nectar point worth?

We commonly get asked ‘what’s one nectar point worth?’ The answer is one nectar point is worth 0.5p, not to stop there though, we’ve also listed out some of the most common Nectar point amounts.

1 Nectar point = 0.5p
2 Nectar points = 1p
100 Nectar points = 50p
200 Nectar points = £1
500 Nectar points = £2.50
1,000 Nectar points = £5
2,500 Nectar points = £12.50
5,000 Nectar points = £25

So after all that, what are 3000 Nectar points worth? 3000 Nectar points are worth £15. Unfortunately Nectar points aren’t always dished out in nice even numbers. That’s where our calculator above comes in.

Where can I collect Nectar points?

There are several large retailers signed to the Nectar rewards program, so be sure to scan your card wherever you see the Nectar sign. Outside of the Sainsburys group, i.e. Sainsburys’ supermarkets, Argos, and Homebase, we’ve listed some of the less obvious places you can collect Nectar points.

Esso Petrol Stations

If you regularly visit Esso petrol stations then collecting Nectar points is a no-brainer. You’ll get one point per litre on fuel and 2 point for every £1 spent in store.

Be sure to check fuel prices locally though to ensure you get the best possible deal. If there is more than 0.5p (one nectar point) difference between the best available price and your local Esso, then you’ll save more by filling up elsewhere.


Frequent eBay shoppers can collect Nectar points on auctions and ‘buy it now’ items. You’ll earn one point for every pound spent. You need to link your Nectar account to eBay to collect the points, but you only have to do that once. Then it’s fire and forget. Points collection is limited to a maximum of 300 per item.

You can also spend your Nectar points on eBay, but you need to convert them into eBay vouchers first. This is done by hovering over the ‘My eBay’ menu option then clicking the ‘Collect and Spend’ Nectar option at the bottom. You can covert points in increments of 500. Once converted you have 12 months to spend the eBay voucher before it expires.


Proof that thrifty is fashionable. ASOS is amongst one of the most generous retailers when it comes to collecting Nectar points. Customers earn 6 points per pound when shopping online, including on sale items. However, this can often be beaten by collecting cashback instead which can be up as much as 10% off.

See below for more information on getting cashback when you shop online.

Just Eat

Love a takeaway on a Friday night? You can now collect Nectar points when ordering via Just Eat. To earn these point though you have to click through to Just Eat from your account on the Nectar website or App, so not quite as convenient as just firing up the Just App and ordering your favourite dish.

Spend your Nectar points

argos logosainsbury's logoHombase logoExpedia logoeBay logovue cinemas

Nectar double events

Nectar and its partners used to run annual ‘double up‘ events. Often held in spring or autumn, these events were popular as they allowed Nectar card holders to effectively double the value of their Nectar points. For example 2,000 Nectar points would normally be worth £10, but during a double up event, you could swap these 2,000 points for a £20 voucher.

Unfortunately, Sainsbury’s cancelled the Nectar double up event in 2021, claiming that fewer users had been making use of it. Instead it trialed a promotion called ‘My Nectar Prices‘ that offers tailored priced based on your individual spending habits.

Many customers have been critical of the new offer as it is limited to specific items at Sainsbury’s whereas double up vouchers could be spent on a wider range of items and stores. It is unclear if double up events will return in the future particular in 2022, however they do, November would be a perfect time to hold one.

Get Cashback instead

As mentioned earlier, Nectar is one of the lowest paying reward cards out there. A better way to earn cash from your spending is to use a cashback site. Cashback websites pay you when you spend a retailers via their links.

It doesn’t cost you anything extra and doesn’t affect your purchase or relationship with the retailer in any way at all. The cashback is effectively a bribe by the retailer to the cashback website to encourage you to visit them. The cashback website then pays some or all of this money to you.

The two best cashback websites are Quicdo which is currently offering a £10 bonus if you sign up through the links on this site, and Top Cashback (also offering a £10 bonus). Your bonus will be added to your account once you’ve earned at least £5 cashback. That could be as quickly as a single purchase.

See our guide to cashback websites

Use a cashback debit or credit card to increase value

In some cases when using cashback sites above, retails might not add Nectar points in addition to the cashback. Yet if you use a specialist cashback debit or credit, you can earn as well as collect, thus increasing your overall value.

We previously published our long term review of the Chase UK bank account, this is a digital bank account with full FSCS protection, that offers 1% cashback on spending. Due to the ease and speed at which the account can be opened, it’s our go to card for cashback.

For larger purchases (over £100) a cashback credit card such as the Amex Platinum Everyday card could be the one to opt for. In additional to 5% cashback for the first three months, you’ll also benefit from Section 75 protection, so if there is a problem with your purchase and the issue can’t be remedied by the retailer, you can claim via the credit card provider.

There are also two Nectar points cards to consider. The Amex Nectar and the Sainsbury’s Bank Nectar Mastercard. The Amex Nectar card offers a 20,000 Nectar points bonus (worth £100) on a £2,000 spend within the first three months. While the Sainsbury’s card offers 8,000 Nectar points (worth £40) on a £400 spend in the first 2 months.

Swap your Nectar points for Avios (air miles)

The Nectar – Avios partnership means you can swap your Nectar point for Avios points which can then be spent on flights (with British Airways and partners), hotels, and car hire. Due to the limited number of places Nectar points can be spent, this can be a great way to make use of points that would otherwise be sitting doing nothing.

You’ll need a British Airways Executive Club account to collect Avios points, but once you have that you will be able to convert either Nectar to Avios or Avios to Nectar. Here is the Nectar link to connect your two accounts together and begin converting points

The conversion rate is 400 Nectar points to 250 Avios, or 250 Avios to 400 Nectar points.

There are minimum and maximum limits on the number of points you can covert. The lower limit is 250 Nectar points, and the maximum is 40,000. You must convert the points in multiples of 250, 500, 750, 1,000 etc..

We know that one Nectar points is worth 0.5p, that makes one Avios point worth 0.8p when when do the reverse conversion. That means that:

  • 1,000 Avios points are worth £8 in Nectar points
  • 5,000 Avios points are worth £40 in Nectar points
  • 10,000 Avios points are worth £80 in Nectar points

You need around 4,000 Avios to get a free short haul flight from London to Paris, where you’ll still have to pay £17.50 in taxes. In Nectar that works out around 6,400 points or £32.

UPADTE November 2022: British Airways will be devaluing Avios points as of 16 November 2022. While 400 Nectar points will still buy 250 Avios points, conversion in the opposite direction will now require 300 Avios points to 400 Nectar points. That effectively lowers the value of Avios points from 0.8p to 0.67p per point, or 16.25%.


  • 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

    • Steve Woodman

      This incoherent rant is a bit of an overreaction – the Nectar Card scheme is hardly fraudulent. It is what it is and is entirely free to the customer whether they want to utilise it or not.

      • CraigMicheliPhotography

        I totally agree, I am an avid eBayer, I sell on eBay and also buy, I have a local BP which has been the cheapest in the area but recently closed so I now go to Sainsburrys which is same distance and comparable in price…I only put fuel in once a week but the card is free and I just hand it over every time and registered my card on eBay…it has been a few years now but I have almost £70 on my card….Just recently installed the Nectar/Yahoo tool bar and you get 1 point for every 2 searches…not the same search by the way, in two days I have earned 100 points = 50p, BUT, this is 50p for doing something I naturally do with my work and general browsing etc….it’s not a Millionares tool or instant fortune thing but free cash for doing what you do day to day….I will be cashing it in for a years family pass to English Herritage eventually…..the morrissons miles card is really great too as when their prices are way cheaper I go to them and fill up on fuel, my wife takes the card and does the same….not long ago I was getting a £5 store voucher almost EVERY 6 WEEKS as my 3 litre vehicle was being used for work related jobs, came in so handy when we were short of cash and had £20-25 in vouchers…..can’t ever hurt to use it….you wont get rich from it but it’s money for nothing. Morrissons is slightly better but it’s only an in store thing and can’t be used for fules, cigs or booze…Nectar is a little more universal but seems harder to save with.

    • Paul Quartermain

      @Andrew Wallington: Sorry, but unless the number of Nectar points awarded per whole pound spent has drastically changed over the last three years four months, you’re very wrong, sad to say.

      You get one Nectar point for every full pound spent. Each Nectar point is worth 0.005 GBP (or a ha’penny, in olde English parlance). Twenty points is worth just ten pence. To get two pounds-worth of Nectar points, you’d have to spend an astonishing FOUR HUNDRED pounds.

      So very sorry to disappoint.

      Unless, of course, you had meant to type ‘shillings’ (1/20th of a pound, or five ‘new’ pence since 1971) instead of ‘pound’, because if you had done that you’d be 100% correct!

  • 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!!!

    • Heather Bee

      You are not utilising your Nectar card very well! Get the Nectar App, you get sent favourite purchases from Sains and about 10x more points. For instance, for buying one bottle of Verdicchio wine (£6) I got 170 points. That’s equivalent of spending £170 ( to get the 170 points. You really really must take advantage – it’s brilliant. Also use the 3x vouchers that spill out nearly every time you shop. Get a Sainsbury’s Nectar credit card – spend £400 in first two months at Sains or Argos – and get 10000 points!! There’s far more too! Come on – get savvy.


    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

    • Lesley

      You can redeem in multiples of £2,50 so if you have £60 of points and your shopping is £60 you can redeem all points if your shopping over 57,50or under 60 you can redeem 57,50 worth and pay difference

  • 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

    • Heather Bee

      Not if you’re savvy. cursor up and see my reply to D J Lewis.

  • Andy

    Get a sainsbury cashback card and get your points and another 3% off including petrol all adds up ..

  • Hilary cailceta

    Sainsburys may not have to offer you anything butvim actually think iff the goods are cheaper elsewhere you will save more by NOT shopping there as even the points system is futile .Just get your shopping elsewhere seriously .it’s a fact not a moan as all the money you save could get you on a little holiday over the years shoppingcosts saved on NOT GOING THERE LOL

  • Tom

    have 220,000 points so waiting to see how best to spend over £1,100 ..

  • Dribfunk

    I use Sainsbury’s for their petrol, get nectar points and then save money at Argos on Black Friday.

    If you don’t like the deal, don’t use it.
    Truly, it is that simple.

  • Kookaburra Kate

    I book trains with Virgin, buy petrol at Sainsburys and use ebay and then in November check my total nectar points. they usually round up to about £100 which I convert to a gift card or two for Christmas gifts. The gift card can be used in so many different ways it is always appreciated – especially by the older members of my family who use it for groceries in January and treat themselves to things they really want – and it costs me absolutely nothing. No moaning from me!!

  • Mark shepherd

    If people think that nectar is like a savings bank then think again,it is a small thank you for shopping at certain stores,they do NOT have to give you anything at all,if you pay more for your shopping just to get points then you are doing it wrong,you can save more just by shopping at cheaper shops but if you regularly shop at certain shops that do offer nectar points then they soon mount up.

  • Lisa Stevens

    This is totally free to do, so why no?! I’m also a member of e-rewards online, which works in conjunction with nectar. If you don’t mind completing a few surveys every week, they earn points that can be transferred across to your nectar card, and the more you acrue, the higher value of nectar points they are worth. By buying diesel every week and a couple of bits of shopping at my Sainsbury’s Local garage (they regularly give triple points vouchers at the til) in the last 3 months I’ve made over £55! Not bad i think!

  • Linda watt

    I buy alot of items off ebay not all exspensive mostly crafting items i get the nectar points better than nothing and your getting them for nothing so the way i see it its a little bonus

    • Chris Radley

      I also buy a lot off e-bay. Pre-worn clothes rather than buying new, refurbished tech for the dame reason. I get Nectar points for every transaction and sometimes they’ll do 4 x points or even 10 x points. I don’t usually shop in Sainsburys (Asda is nearer) and buy petrol in the Esso garage, who also give Nectar points. When I’ve saved up over £10 worth, I change it for an e-bay voucher to get money off a bigger purchase. Bottom line is these points are for free; no-one is forcing you to shop at Sainsburys. Maybe those people complaining about how little the points are worth might consider donating them to charity, as clearly they don’t think they’re worth doing anything else with.

  • A Ward

    Shop at Sainsburys just to gain peanuts. May as well shop at Aldi and save real money

    • Carl Michael

      You have a point, and this is something that is alluded to in the article

      In it I discuss research by Which where a basket of goods from Aldi is compared to other supermarkets. Aldi came out at 30 per cent cheaper than Sainsbury’s

    • Lionel Drew

      I have never shopped anywhere to get Nectar points. I buy the Daily Mail seven days a week and have accumulated nearly £40 by entering the numbers on the back page of the paper. It is money for nothing.

  • Archy

    so SPIKE T has saved £56, great? Sainsburys is one of the most expensive shops on the high street and BP is the most expensive petrol on the market. How mush would you have saved if you did your shop at Tesco and filled your car up while you where there.? A LOT more because i have tried it.

  • Doreen Kavanagh

    I have been collecting mail points since it started. It has taken me some time to connect to nectar. It now seems i have lost a large amount of point since the change over. Can you please tell me why.

  • Maria

    Shop at Sainsbury’s if it is convenient and get Nectar points. Simples!

  • Rob

    I buy things off ebay anyway.
    I buy things at Sainsbury’s anyway.
    I get my fuel from Sainsbury’s for two reasons, 1 because they are 99% of the time cheaper than Morissons, and 2, because they give me Nectar points.
    One thing that hasn’t been mentioned here are the regular ‘money off per litre of fuel’ vouchers that you get.
    If I fill up my Ibiza that generally a free gallon of fuel, even more if I fill up my old Discovery which has an 89 litre tank.

  • Colin

    I discovered the American Express Nectar card while I was searching for a more loyalty driven credit card. I’ve been a Natwest MasterCard user for years and spent huge amounts with them for no reward. Amazingly the Amex Nectar card gives you points wherever you buy, so I can shop in every supermarket and still get points or double points. 1 year in and I have 50000 points = £255. The card costs £25 per year but year 1 is free. Obviously with Amex the trick is to pay of transactions straight away to avoid charges. It works really well for me just for doing my usual routine.

  • Robbie Russell

    I’ve got 110,000 nectar points. Mainly because I shop at brakes and spend 10k a month on stuff for work. It’s not long in adding up. Brakes also do triple points every couple of months

  • whocares

    I think this article is full of errors.
    It states that:
    1 Nectar point = 0.5p
    2 Nectar points = 1p
    100 Nectar points = 50p
    200 Nectar points = £1
    500 Nectar points = £2.50
    1,000 Nectar points = £5
    2,500 Nectar points = £12.50
    5,000 Nectar points = £25
    This should be 1 nectar point should be 0.05p as 0.5p is 50p surely?
    Also, I use the app for my points, I currently have 8385 points, if I multiply that by 0.05p it comes to £419.25 which is clearly incorrect.
    The top 2 calculations are incorrect.
    It should be 1 nectar point is 0.005p.

    • Hi, the list of points values in the article is correct. What are you seeing is difference in expression for low points value totals and higher points value totals.

      0.5p is the value of 1 Nectar point expressed in pence. £0.005 would be the value of one Nectar point expressed in pounds. So for your 8385 points, you can multiply it by 0.5 to get to get the pence value of 4192.5 then divide by 100 to get the pound value i.e. £41.93 (rounded). Alternatively as you point out you can multiply is by the pound value of a point i.e. 0.005 to get the same result.

      The former works best when talking about how much each point is worth, or when working with small amounts, e.g “50 Nectar points are worth 25p” and the later works best for calculating or talking about larger amounts of points e.g. “5000 Nectar points are worth £25”

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