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?

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 (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.

Tip: You can earn but not spend Nectar points when shopping on eBay. This is particularly useful when buying higher value items like used vehicles. 

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. 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


argos logo

sainsbury's logo

Hombase logo

Expedia logo


vue cinemas

Get Cashback instead

As mentioned earlier, Nectar is one of the lowest paying reward card out there. A better way to earn cash from your spending is to use a cashback site such as Quidco or Top Cashback. 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 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 £5 bonus if you sign up through the links on this site, and Top Cashback


  • 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

  • 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.

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