I’ve been collecting Nectar points for over 20 years, and I’ve redeemed them for everything from free weekly shops at Sainsbury’s to discounted fuel.
If you’re wondering how much your Nectar points are worth right now, this calculator will work it out instantly based on Nectar’s standard 0.5p per point value, the same rate used across most partners.
Nectar points value calculator
Nectar Points Calculator
After checking your balance, scroll down for a quick-reference table of common point values, plus practical tips I’ve used to stretch my Nectar points further including double-up events and bonus offers that can boost their value.
How much is a Nectar point worth?
1 Nectar point is worth 0.5p. And if you’re wondering how many Nectar points for £1, it’s easy. There’s 200 Nectar points to a £1.
Nectar points to pounds table
If you’re just looking for a quick answer, use the table below to see how much some of the most common Nectar point amounts are worth in pounds.
| Nectar points | Cash value |
|---|---|
| 250 | £1.25 |
| 300 | £1.50 |
| 400 | £2.00 |
| 500 | £2.50 |
| 600 | £3.00 |
| 800 | £4.00 |
| 900 | £4.50 |
| 1,000 | £5.00 |
| 1,500 | £7.50 |
| 3,000 | £15.00 |
| 4,000 | £20.00 |
| 5,000 | £25.00 |
| 6,000 | £30.00 |
| 8,000 | £40.00 |
| 10,000 | £50.00 |
| 20,000 | £100.00 |
How much is 1,500 Nectar points worth?
1,500 Nectar points are worth £7.50.
How many Nectar points for £100?
You need 20,000 Nectar points for £100.
What is Nectar?
Nectar is a popular reward card used by stores such as Sainsburys, Argos, Homebase, and many other high street store.
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 I still think it’s still worthwhile for those who regularly shop at Sainsbury’s, or fill up with fuel at Esso.
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.
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 1 point per litre on fuel and 2 points 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.
Important: Don’t redeem points at Esso. If you do, you’ll only get 5p for every 300 points. Rather than the £1.50 they’d normally be worth.
eBay
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.
ASOS
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.
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.
Where can I Spend Nectar points?
Nectar points can be spent in many of the same stores and retailers where they are collected.
Popular stores include Sainsbury’s, Argos, Vue cinemas and Cafe Nero. If you’re feeling altruistic, you can even donate Nectar points to charities.
Below are some of the ways to spend your Nectar points.
- In-store at Sainsbury’s: Simply scan your Nectar card or app at the checkout to redeem points towards your groceries.
- Online at Argos: Use your points to pay for thousands of products when shopping on Argos.co.uk.
- Fuel with Esso: Redeem points against fuel purchases at participating Esso stations. Not recommended
- Gift Cards: Exchange points for e-vouchers from popular retailers like John Lewis, Starbucks, and more via the Nectar app or website.
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 and thus doubling the value of your Nectar points.
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‘ (see below) that offers tailored priced based on your individual spending habits.
Nectar prices – (discounts plus points)
Nectar prices is a new initiative by Sainsbury’s to turn the Nectar card into more of a rewards cards like Tesco’s club card. If you regularly shop at Sainsbury’s using your Nectar card, you’ll be offered discounts on items based on your spending habits. Here’s an example of the type of discounts available.
The average discount is 25%, and it is a true discount, meaning you won’t find the products have been cheaper before. Unfortunately, you only get around 4-5 discounted offers a week. The good news though is that you still earn Nectar point even on the discounted items.
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 food and transport.
For cashback on a wider ranger of products, you can’t beat the Trading 212 debit card. It offers 0.5% cashaback (sometimes boosted to 1.5%), across household and daily items.
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. don’t worry though if you’ve a stack of points, we’ve developed a nifty little Nectar to Avios calculator to speed things up.
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.
MyMail and Nectar
If you’re a Daily Mail reader and signed up to its MyMail rewards programme, you could earn up to 80 Nectar points a week with the newspaper. We’ve separate this out into its own article so we could better detail the process, and assess whether or not it’s worth it.
See our breakdown on the Daily Mail Rewards programme, and MyMail Nectar Points.
Frequently Asked Questions
1. How much are Nectar points worth?
Nectar points are generally worth 0.5 pence each when redeemed in most partner retailers (for example, in Sainsbury’s or Argos). That means:
100 Nectar points = £0.50
1,000 Nectar points = £5.00
10,000 Nectar points = £50.00
Occasionally, certain partners (like Esso) run promotions where your points can be worth slightly more, sometimes up to 1 pence each. Always check current offers in the Nectar app or on Nectar’s website before redeeming.
2. What is the value of one Nectar point?
Typically 1 Nectar point = 0.5 pence. So if you have, say, 2,000 points, you’ll get £10.00 of value when you spend them at standard rates.
Promotional periods or specific partner deals can occasionally boost this (e.g., 1 pence per point), but those are time‑limited and clearly advertised.
3. How do I redeem my Nectar points?
You can redeem Nectar points:
In-store at Sainsbury’s: Scan your Nectar card or app at the checkout.
Online at Sainsbury’s: Choose “Spend Nectar points” at payment.
At other partners (e.g., Argos, Esso, Debenhams): Present your Nectar card/app at checkout or follow the partner’s online redemption process.
Via gift cards or vouchers: Through the Nectar app or website, you can choose e‑vouchers (e.g., John Lewis, Starbucks) that convert your points at the standard 0.5 p per point rate.
4. Can I convert Nectar points to cash or bank transfer?
No, Nectar points cannot be converted directly into cash or transferred to your bank account. They can only be spent with Nectar’s approved partners (e.g., Sainsbury’s, Argos, Esso, Debenhams) or exchanged for gift cards and third‑party vouchers. If you’re looking for a cash‑equivalent, consider choosing a gift card that you’d spend anyway (e.g., a supermarket voucher).
5. Do Nectar points expire?
No, Nectar points themselves don’t expire but Nectar can deactivate your account if you haven’t spent or earned any point in the last 12 months. To avoid losing points:
- Log into your Nectar account at least once every 12 months to keep the account active.
- Redeem or earn at least one point within any rolling 18‑month window.
- If your balance reaches zero (or you use points), the countdown resets from when you last earned new points.
Terms do change so don’t leave it until the last minute. It’s best to check the Nectar website for more details on expiring points
6. Are Nectar points worth collecting?
Yes, especially if you shop regularly at Sainsbury’s, Argos, or Esso. For every
£1 spent at Sainsbury’s (in-store or online) = 1 point (i.e., £0.005 back per £1 spent).
£1 spent at Argos = 0.5 points (i.e., £0.0025 per £1).
If you shop strategically (e.g., during bonus‑point events or partner promotions), you can boost your effective return to closer to 1 pence per point. However, if you rarely use partner retailers or forget to check for promotions, the default rate is fairly low (0.5 p per point).
7. How many nectar points is £100?
£100 is 20,000 Nectar points. The average Nectar will likely reach that in a year, but you can speed up the process by collecting Nectar points on fuel, and looking out for double up opportunities.
53 comments on “Nectar points calculator – How much are your Nectar points worth?”
How much is 0.04
0.04 GBP is 4 pence.
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
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.
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.
@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
@Rockiffe 1808 points would be £9.04
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
Are the people on here seriously incapable of not being able to carry out simple calculations themselves???
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
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.
They have no obligation to give you points.
Go elsewhere!!!
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 ?
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.
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.
The points are not worth the bother !!!…What a load of crap…
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.
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.
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.
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
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
I can’t find out how many nectar points I have
If will be listed on any receipts you have when you use your card. The only other way is to visit the Nectar website.
…. 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…
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.
It’s a 0.5% discount on your shopping
Not if you’re savvy. cursor up and see my reply to D J Lewis.
Get a sainsbury cashback card and get your points and another 3% off including petrol all adds up ..
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
Totally agree. In fact this was covered in the article http://moneysavinganswers.com/shopping/loyalty-schemes-reward-cards-pays-unfaithful/ which has a comparison of loyalty cards vs just shopping at the cheapest place.
have 220,000 points so waiting to see how best to spend over £1,100 ..
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.
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!!
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.
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!
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
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.
Shop at Sainsburys just to gain peanuts. May as well shop at Aldi and save real money
You have a point, and this is something that is alluded to in the article https://moneysavinganswers.com/shopping/loyalty-schemes-reward-cards-pays-unfaithful/
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
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.
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.
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.
Shop at Sainsbury’s if it is convenient and get Nectar points. Simples!
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.
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.
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
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”
I have an AMEX Nectar card that I use for al my regular and online shopping and then pay off in full every month.
It gives 2 nectar points for every pound spent.
I also use it for all purchases on ebay which effectively means I get 3 points per pound for those items, 1 off ebay and 2 off my card.
I then periodically convert the points into ebay vouchers to get discounts on more expensive purchases.
It works for me and feels like free money to help out now and again.