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Loyalty Points Boosting

Boost Tesco, Boots points etc up to 4x

Loyalty cards and points boosting

It's possible to boost the value of your loyalty points by up to four times without spending a penny.

This guide's jammed with tips and tricks for Tesco Clubcard, Nectar, Boots Advantage and Morrisons' Match & More card, plus the unique LoyaltyChecker tool which helps you assess the value of your points stash.

When loyalty pays

Loyalty is a consumer disease. Retailers utilise every tactic possible to keep us shopping in their stores without checking out the competition, rewarding new customers over existing ones.

Their prime weapon is loyalty cards. They allow you to collect points in specific shops when you spend - usually requiring you to return there to redeem them. While credit or store card reward schemes work in a similar way, loyalty cards don't allow you to pay with them (except when redeeming points).

When to use loyalty schemes

Never feel the shop's giving you something for nothing, as schemes are incorporated into pricing policies. To evaluate the overall cost, consider loyalty points gained like a discount. The difficulty is that their value is often deliberately misted, so use the LoyaltyChecker to reveal the real value of each point.

This story should help...

Irma Rightone loves the Boots Advantage card scheme, believing it's very generous as it gives four points, each worth a penny, per pound spent. So in she pops to buy her favourite matt foundation for £6, then shines in the glow of her 24 points.

Ivor Secret loves the same foundation, and while his wife's not looking, sneaks out to buy it. He's seen it at the local supermarket for £5.50. He realises Boots points are an effective 4% discount, and calculates its real cost in Boots at £5.76, so buys it in the supermarket instead.

Yet of course it's not practical to weigh up every single product's overall price, therefore the golden rule is...

Never choose where you shop due to loyalty schemes, yet always use it if you shop somewhere with one.

Don't think "points are better than cash" - you can't spend them in nearly as many places.

Watch for the vicious circle of loyalty

The vicious circle of loyaltyMany in-store promotions give discounts as extra points rather than money off. This is very clever, because while £1 of points may feel like a £1 discount, of course it only costs the store what it paid its suppliers, not the full retail price.

Add to that the fact it ensures you must return to that store to spend the points. When you do, it's likely you'll spend again, earning more points, requiring you to return yet again to redeem them; earning more points, requiring you to return again...

Loyalty credit cards... beware the marketing spin

Most of the big loyalty schemes have a credit card too. Here you don't just accumulate points on spending in a specific chain, but on all spending.

Beware the spin of loyalty cards This can be a boon, provided you repay in full each month, so you don't pay any interest. Yet always check the actual gain from using the credit card rather than just a loyalty card, then compare this to what you could earn on the Top Cashback Credit Card or other Credit Card Reward Schemes.

Watch the multi-earn argument

You need to be careful here, as promotional leaflets for many credit card schemes use a neat double-counting trick. Take the Tesco Clubcard Credit Card* for example, which gives you one Clubcard point for every £4 you spend everywhere outside Tesco (falling to 1 point for every £8 from 1 December 2015).

While the marketing hints using this card in Tesco is a hefty boost, its normal loyalty card pays one point per £1 anyway. So the credit card only adds one extra point. Put another way, you gain a quarter of a point per pound spent. It's this amount you should compare to Top Cashback Cards.

Boost your loyalty points

Every loyalty scheme has its quirks and can be manipulated. There are two obvious routes: first, try to earn more points for the same spending; next, try to beat the average point's value on whatever you redeem. To help, here are scheme-by-scheme point-maximising tips.

Tesco Clubcard points boosting

You accumulate Tesco Clubcard points* at a rate of one per pound spent. You earn them in-store at Tesco, or via partners such as E.on.

Each point is worth a penny if used for in-store shopping, and they're sent out in vouchers (if you've at least 150 points on your account) every three months.

Tesco Clubcard

It's possible to get back lost or unclaimed Clubcard vouchers if they're less than two years old. Follow the steps in our Reclaim Tesco Vouchers guide to see if you've got any hiding from you.

  • Triple or quadruple your points when redeeming with Boost Partners

    This is the powerhouse of the Tesco points boosting method. Trade in normal vouchers for Tesco's special Clubcard Boost* tokens, and each £10 voucher becomes worth up to £40 in exchange and rewards with Boost partners.

    Clubcard Boost includes offers for train tickets, days out, magazine subscriptions, travel, including holidays, gifts, hotel rooms and more. Among the options are an £18 RAC membership (see Breakdown Rewards), an adult cinema ticket for £4.50 in points, or a year's Merlin theme parks pass for £50. See our top 10 deals under the Boost scheme for more info.

    The list price of goods in the brochure is sometimes higher than the market price, so you may not always get 3x or 4x value. Yet if you're exchanging to buy something you would've bought anyway, it is a great deal.

  • Double your points value with the Christmas Clubcard Boost

    Tesco's jammy double-up Boost at Tesco promo has started again just in time for Christmas. For every £5 in Clubcard vouchers you can usually get a £10 Boost voucher to spend in certain departments in-store or online. Tesco run the promo on and off throughout the year.

    For full details see our Reclaim & Boost Tesco Vouchers guide.

  • Earn Tesco points when paying your energy bill with E.on

    Customers can earn up to 1,500 E.on reward points each year which can be exchanged for an equivalent number of Clubcard points (or you can turn your E.on rewards into vouchers for high street retailers).

    It equates to only £15 off Tesco shopping but can be worth up to £60 in Clubcard Boost Rewards. Choose to take your E.on rewards as Clubcard points and register your Clubcard with E.on. It's NOT worth switching to E.on purely for this, see Cheap Gas & Elec for how to find the cheapest provider.

  • Get an extra point per £4 spend with Tesco Credit Card

    The amount of points you collect while using your Tesco credit card depends on where you're doing your spending. You get:

    • Five points per £4 spent at Tesco.
    • One point per £4 you spend anywhere outside Tesco (falling to 1 point for every £8 from 1 December 2015)

    If redeemed in-store at Tesco this is a rather paltry 0.25% return on spending but trade them in for Clubcard Boost tokens and it becomes a more respectable 0.75% or 1%.

    Ordinarily, you should repay IN FULL every month to avoid interest. However, Tesco offers 21 months' 0% on new spending. This means you could do ALL normal spending on it to rack up the points, stashing away the cash you'd normally spend, then pay it off in full within 21 months. More info in the 0% Cards and Stoozing guides.

    Compared with the top cashback card, which pays up to 5% cashback initially (see Top Cashback Cards), this is weak. Following the 0% period, if you don't pay the Tesco card off in full, you'll pay 18.9% representative APR.

  • Earn clubcard points on all spending with the Tesco Bank current account

    Similar to the Tesco credit card, Tesco Bank Current Account customers can earn clubcard points for spending on their debit card. You earn:

    • One clubcard point for every £4 spent in store or on fuel with Tesco.
    • One point per £4 you spend anywhere outside Tesco (falling to 1 point for every £8 from 1 December 2015)

    Clubcard points can also be earned on purchases away from Tesco stores at the lower rate of 1 point for every £8 spent.

    As with the credit card, rather than use reward points to cut the cost of the weekly shop customers should convert points to Clubcard Boost tokens to get best value.

  • Get extra Clubcard points with Tesco Bank mortgage repayments

    Customers who have a mortgage with Tesco Bank collect one point for every £4 of regular payments and overpayments, but not from any charges or fees related to the mortgage. These points should be added to your Clubcard account within six weeks of each payment. Check our Mortgage Best Buy table first to compare though.

  • Earn bonus points with your Tesco mobile

    Tesco Mobile* customers can collect one Clubcard point for every £1 spent on pay as you go top-ups and monthly bills. You'll need to register your Clubcard with Tesco Mobile to start receiving points. You can do this through your online account or by calling 282 free from your phone.

    You'll need to top-up online, using a Tesco store or by calling Tesco Mobile's top-up phoneline on 4444 to get the points. Note, you won't get points if you top-up from a cash machine or shop that isn't Tesco.

  • Join Tesco's clubs to get special extra points vouchers

    If you join one of Tesco's clubs, such as its Baby Club* or Christmas Savers*, you'll get vouchers in its emails to earn extra points when buying relevant products.

  • You could even get paid to shop with in-store promotions

    Look out for any Tesco promotions offering extra Clubcard points. These can open up loopholes where it's worth buying the goods even if you don't want them.

    The best examples are the famous Johnson's Baby Powder and beef-in-gravy loopholes which originated on this site and ended up in all the papers. They worked like this:

    When you bought any two Johnson's products, you got 100 extra points. The cheapest item was baby powder, at 76p. This meant you could spend £1.52 to get 101 points, worth £4.04 of Clubcard deals vouchers, making more than £2.50 PROFIT.

    With the similar beef-in-gravy episode, one MoneySaver bought a few hundred pounds' worth, donated it to a homeless shelter and used the points for a return trip for two to New Zealand. Be careful with these loopholes, as Tesco reserves the right to block people for fair usage breaches. All major loopholes will go in the free weekly email.

    Even if you can't make a profit, the bonuses can lead to serious discounts. For instance, Tesco once sold iPod Shuffles for £49 - a good price - adding 999 bonus points on top of the usual points. These were worth £42 of Clubcard Deals, so the iPod effectively cost £7.

Share tips or read others' experiences in the Tesco Clubcard Boosting Discussion.

Nectar points boosting

Use a Nectar card when spending at Sainsbury's, BP, British Gas, Ebay, Expedia, Homebase and others (see full list) to grab points. The amount you get varies - at Sainsbury's right now you'll usually earn one point for every £1 spent. You used to get two points, but this fell as of April (see the Nectar points cut in half MSE news story).

Nectar card loyalty scheme

Points are usually worth 0.5p, though it's possible to boost their value. Redeem them online or by phone for a range of days out, gifts or shopping discounts at member stores.

  • Nectar double-up at Sainsbury's - next one expected early 2016

    Nectar double-up promos usually happen quarterly - its Christmas double-up finished at the end of November. A new one is expected in early 2016, and the promotion usually includes about seven categories in which you double the value of your Nectar points.

  • Register for 'extra points' coupons at Sainsbury's

    Register your Nectar card with Sainsbury's' My Coupons* site and choose up to five coupons to add to your 'My Coupons Wallet', each of which offers you between 40 and 220 bonus points on products you usually buy - anything from grapes to washing powder. You can also sometimes get double or triple points coupons valid on your whole shop.

    You don't need to print anything off (although you can, if you want to remember what to pick up in store) - the points are added to your account when you buy the product either in store or online. If you don't use a coupon, after a few days it'll expire and you can pick another. Remember, this is a way to get extra points on items that you're going to buy anyway - never buy an item just for the extra boost.

    MSE Megan does this and has already amassed £50-worth of points:

    In four months I’ve collected an extra 9,967 points, worth £49.83. You’re able to use it alongside other in-store promotions too, so sometimes I’ve managed to bag double triple points. You can’t bank on a bonus as the coupons change weekly, but it’s really easy and only takes a couple of days for points to be added after the shop. - MSE Megan

  • Boost Nectar points' value

    Usually when spent in store at Sainsbury's, each Nectar point is worth 0.5p (so 500 points equals £2.50 off shopping). Yet if you redeem points through the Nectar website you can sometimes get 2x or even 3x the value:

    • 2x value. Use points to buy tickets for Merlin Attractions, including Madame Tussauds, Legoland, Alton Towers and Chessington. 500 points will get you get £5 off. Remember you can often get 2-for-1 offers elsewhere though.
    • 1.5x value. 500 points equals £5 off at Pizza Express - you can to exchange for points eVouchers to spend at your nearest restaurant. Choose vouchers for either £5 or £10.
    • 1.5x value. You need a minimum of 500 points to buy tickets on Virgin Trains East Coast website, which gets you a £2.50 eVoucher.

    The redemption process varies by retailer - eg, you can just use your card at Madame Tussauds to spend points, while you'll need to get an eVoucher to print and spend in Pizza Express. See the Nectar website for more info.

  • Answer online survey questions for Nectar points

    You can earn extra Nectar points for completing surveys - up to 120 points a pop. Register with Nectar Canvass and you'll get an email when there's a new survey to complete. Once you've registered and done the welcome survey, you'll be entered into a competition for a chance to win 10,000 nectar points. Plus, every time you attempt a survey, you'll get an entry to Sainsbury's quarterly £5000 prize draw.

  • Earn 200+ bonus points searching online

    There are points to be had simply for using the internet. For instance, once you register with the Nectar card website, you can collect 100 Nectar points just by downloading its toolbar. You get a further 1 point for every 2 internet searches using the toolbar, up to a max of 200 points per month.

    Nectar also has free apps for Apple and Android for smartphones, tablets and laptops which offers users bonus points offers exclusive to the app.

  • Virgin Trains customer? Collect points on advance tickets

    You can earn two points per £1 spent on advance tickets (standard and first class). You must book through either the Virgin Trains East Coast website for an east coast line journey (until 30 November a promotion means you'll get four points per £1) or Virgin Trains for a west coast line journey. To be eligible for the points at least part of your journey must be on of the lines.

  • British Gas or Sainsbury's Energy customer? Remember to register your Nectar card

    If you receive your gas and electricity through British Gas or Sainsbury's Energy, you can register your Nectar card and collect more than 1,000 points each year.

    • 200 points for gas and 200 points for electricity (at a rate of 50 points per quarter).
    • 200 points just for linking your Nectar card to your customer account.
    • 480 points for submitting meter readings

    These points are paid out at different times, so you don't have to wait the whole year to get them: you'll receive points quarterly or annually, depending on the fuel you use and how you provide meter readings. Plus you can get additional points if, for example, if you book a service.

  • Donate goods to Oxfam and earn points when your items are sold

    Oxfam's Tag your Bag scheme rewards you for donating items to Oxfam. You'll receive 100 Nectar points just for signing up and registering your card. Then, if you donate any items with your personal tag attached, they'll be tracked and you'll receive 2 points per £1 when the item is sold.

    Oxfam may recycle or reuse the item if it doesn't sell. You won't get any points if this happens, but you'll still have done your bit for charity.

  • The Nectar credit card - earn wherever you spend

    If you're an avid Nectar collector, then you can earn more points by using the Nectar American Express* credit card, but always pay it off in full each month or you'll be charged 25% representative APR interest which dwarfs any points gain.

    In non-Nectar stores it gives two points (worth 1p) per £1 spent. With some Nectar partners (eg, Sainsbury's) you can earn up to four points per £1.

    Plus spend £2,000+ in the first three months and you get an additional 20,000 bonus points (worth £100).

    Overall this makes it a decent alternative to the top paying cashback card, provided there's something you want from the Nectar catalogue.

Share tips or read others' experiences in the Nectar Card Boosting Discussion.

Morrisons Match & More points boosting

The Morrisons Match & More* card allows you to collect points on shopping and fuel.

On Mon 2 Nov the Match &More scheme changed. Morrisons scrapped its automatic price match and changed the way points are collected, but you'll be able to keep points you accrued prior to the change. See the Morrisons shoppers dealt blow MSE news story for more.

  • Get five Match & More for every £1 qualifying spend

    Shoppers can collect the points at all Morrisons stores, petrol stations on items other than fuel (you get more for fuel, see below) and at Spending at Morrisons' flower shops, garden centres and pharmacies are also included. Morrisons also plans to run promotions to allow you to collect extra points on some products.

  • Get extra points when you fill up on fuel

    Boost your money-off vouchers when you buy fuel at Morrisons petrol stations. For every litre of fuel you buy you'll get 10 Match & More points.

  • Get £5 off every time you reach 5,000 points.

    You automatically get your money-off vouchers at the till in stores or petrol stations once you've accumulated 5,000 points.

    Vouchers are valid until the date printed on them (56 weeks from the date you reached 5,000 points), so you can hold on to them but our advice is usually to spend them as soon as possible to avoid losing them down the back of the sofa. They can't be used to buy fuel, lottery tickets, prescription medicines, infant formula milk, gift vouchers or cards, mobile phone top-ups, stamps or tobacco.

  • Turning points into prizes?

    Although points can currently only be used for money off your supermarket shopping, Morrisons has said it plans to expand the scheme to allow them to be turned into leisure vouchers for travel or eating out. As soon as details of this are announced, we'll update this guide.

Boots Advantage Card points boosting

Boots Advantage Card

Use the Boots Advantage Card* in-store and online (except for infant milk, prescriptions, stamps, gift vouchers and mobile phone top-ups) and you earn four points per pound.

Each point is worth 1p and can be redeemed on most things in-store.

  • Delay big purchases for Mega Points Weekends.

    Boots sometimes has Mega Points Weekends, where if you spend £50 either online or in-store, you get 1,000 extra points (worth £10). When one hits it's worth collecting together everything you were planning to buy in Boots to grab the excess.

    Or if you're doing a really big shop, split what you're buying into £50 units, as there's usually no limit on how many extra points bonuses you can get. Where possible, we'll include Mega Points weekends or similar promotions in the free weekly email.

  • Get tailored offer with the Boots App

    Download the Boots App on your phone and get tailored offers sent directly to you. The app is available for iPhone and Android. It'll allow you to select the best offer available to you while in store so you can get it when you pay at the check-out.

    A barcode scanner in the app allows Advantage members to access product information and reviews on the go.

  • Check the Advantage Card weekly email to maximise your points

    Boots sends out a weekly email to Advantage Card-holders with deals to earn extra points and coupons which can help you maximise existing points. For example, it might offer a bonus 500 points for buying a particular product.

  • Join Boots' clubs for extra or double points on specific items

    Both the Boots Parenting Club and More Treats for Over-60s club send mailouts giving special offers on relevant goods, allowing you to get discounts and earn more points. The parenting club gives an extra 10 points for every £1 spent on baby products and the over-60s club offers 10 points per £1 spent in store on Boots-branded items.

  • Select offers for extra points or money off

    If you've registered your Advantage Card and created a* account, the My Offers page will present you with a range of specialised offers tailored to your shopping habits.

    These offers range from discounts on products to bonus points when you buy certain items or spend more than a specific amount. All you have to do is select the offers you're interested in and they'll be "loaded" onto your Advantage Card, ready to be used the next time you shop in a Boots store.

  • Beware Advantage Card rewards you can often get more in cash

    Boots' Advantage Card offers a variety of different deals paid in points. Always evaluate the cash value of the points (see the LoyaltyChecker) to compare that with the cash equivalents that are available (see

Share tips or read others' experiences in the Boots Advantage Card Boosting Discussion.

Choose the best value redemption

For all schemes, the key to maximising value is to choose the best value redemptions. The LoyaltyChecker tool can help you do this for different schemes.

  • Pick the redemptions you're interested in

    For example, a Blu-Ray copy of a new film could be bought with 2,600 Nectar points, while a DVD of the same film would cost 2,000 points.

    If customers buy online via Sainsbury’s website, they exchange points by getting a Nectar voucher from to use for their purchase. They go to and select the value of the Sainsbury's voucher they require (£1, £5, £10, etc). They then click 'Get it now'. The voucher's then ready to use.

  • Value the points

    Now use the LoyaltyChecker to see what the value of those points is. Here 2,600 points is worth £13 and 2,000 is worth £10.

  • Check the cost to buy.

    See how much you'd pay for these items if bought in cash. One way is to use the MegaShopBot. Say in this case, the DVD the film was available for £9.99, while the Blu-Ray could be bought for £12.99.

  • Choose the best value redemption.

    Pick the one that's the best use of your points. While the DVD was £10 in points and about the same in the shops, the Blu-Ray cost £13. Therefore the DVD was a slightly better use of points.

Value your loyalty points

Loyalty points are awarded for credit card spending, shopping and much more. But it's deliberately difficult to evaluate most schemes, instead a feelgood factor which doesn't promote their true worth is promoted.

The LoyaltyChecker tool gives you a quick assessment of your current stash of over 40 schemes, based on points' average, not boosted value.

Loyalty points compared
Scheme Points value
Nectar points 0.5p
Tesco Clubcard points In store 1p
Boots Advantage points 1p
For info on the valuation scheme used, see the LoyaltyChecker. Morrisons' new loyalty card scheme is not currently covered by the tool.

How to complain about a retailer

If you're not happy about your product or the service you receive, you should first contact the shop in person, by phone, or in writing. However, if you're still not satisfied, then...

Free tool if you’re having a problem

This tool helps you draft your complaint and manage it too. It’s totally free, and offered by a firm called Resolver which we like so much we work with it to help people get complaints justice.

If the complaint isn't resolved, Resolver will nudge you when it's time to escalate it to the relevant ombudsman or trade body.