Loyalty Points Boosting

Boost Tesco, Nectar, Boots, Morrisons points etc up to 3x

loyalty points boosting

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

This guide's jammed with tips and tricks for Tesco Clubcard, Nectar, Morrisons More and Boots – on how to earn more points, and how to get the max value when you redeem them.

In this guide

When loyalty pays

Loyalty's a consumer disease. Retailers use every tactic possible to keep us shopping with them and away from 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.

This story should help...

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

Eileen loves the same foundation but she's seen it at the local supermarket for £5.50. She 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.

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

Many 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, in reality the item you buy 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...

Apps to replace ALL your loyalty cards

It's all very well for us to say "if you've got a loyalty card always use it", but that can lead to a chunky wallet or purse. Yet there are free apps that let you upload your loyalty cards, so you don't need to carry them all with you. (Don't throw the cards away though, as you usually need them to redeem your points.)

How do they work?

Scan your loyalty card barcode with your mobile (it takes seconds) – the app logs the barcode, then reproduces it when you show it in store. Alternatively, you can usually enter the card number. 

It's worth noting Boots says it doesn't "recommend" these apps and MSE forumites report that Boots cashiers won't accept them. But you can now use the Boots app to scan your Advantage card instead. Let us know how you get on in the Loyalty card app forum thread.

Martin's a fan as his wallet is a lot lighter, and MSE Eesha has been using one for ages and swears by it:

I've found Stocard really quick and simple to use. I've loaded around 15 loyalty cards on to it, which means I'm not carrying around a stack of cards in my purse, and I can collect points in any shop I'm in. I also get a notification when I'm in a store that I've loaded a loyalty card for, so I don't forget to use it.

  • Stocard (available on iOS and Android). Works with Tesco Clubcard, Nectar, Morrisons More and 100+ other schemes, including those run by Nando's, Ikea, Hobbycraft and Waterstones.

    For anyone who doesn't like giving personal details out, it's possible to store the card information without giving any logins or passwords for your loyalty accounts.
  • FidMe (iOSAndroid and Windows). This European app works with plenty of big UK loyalty schemes, including Tesco Clubcard, Nectar, Morrisons More, MyWaitrose and Ikea Family.

    It works with a few other devices too – see the full list.

Apple Wallet
  • Apple Wallet (iOS). Lets you store credit and debit cards, boarding passes, cinema tickets and, yes, loyalty cards. But you can't scan the physical card directly – instead you need to download the relevant loyalty scheme app, register your card and, provided the app is Wallet-enabled, add it from there. For a full how-to, see the 'Add passes' section on the Apple website.

Google Pay
  • Google Pay (iOS and Android). Allows you to save and use not only credit and debit cards, but also most of the major UK loyalty cards, including Tesco Clubcard, Nectar, Morrisons More and Boots Advantage. To add them, just choose the relevant scheme in the app and scan the barcode on your card.

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.

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 with Cashback Credit Cards or Credit Card Rewards.

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 £8 you spend everywhere outside Tesco, and one point for every £4 you spend in Tesco.

While the marketing hints that using this card in Tesco provides 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 £1 spent. It's this amount you should compare to Cashback Credit 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 can earn them by shopping in store or online at Tesco and when buying fuel at Tesco petrol stations. Previously you could also collect points at any Esso petrol station, but you can now only earn at Esso stations with a Tesco Express shop.

Each Clubcard 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 also now offers a Faster Vouchers scheme allowing Clubcard holders to request vouchers for their entire points balance whenever they want. To get them, log in to the Clubcard app or your online account and say you'd like to turn your points into Faster Vouchers. They'll appear in your Clubcard account within 24 hours.

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.

  • Get 25% extra points with Pay+ wallet-free app

    The Tesco Pay+* app (a revamped version of its old PayQwiq app) is available on Android and iOS. It lets you store your credit or debit card and Clubcard details, then quickly pay for shopping and automatically collect Clubcard points at Tesco by scanning the barcode in the app.

    Tesco is currently offering an extra Clubcard point for every £4 you spend in store until 31 August 2019. That's on top of the usual one point per £1 – meaning you'll get five points for every £4 spent.

    You can also stack the extra point with other Clubcard offers – so, for example, if you pay with a Tesco credit card (which also offers an extra point per £4 spent) you'd collect a total of six points per £4 spent in store.

    You can use Pay+ to pay at all Tesco stores and petrol stations. There's no minimum spend and you can pay for up to £250 per transaction. It's worth noting Tesco checks your card is genuine by making a £2 request to your account – the money won't actually be taken but in some cases will appear in your transactions and then disappear.

  • You now get 3x value with almost every Reward partner

    You can get the biggest boost to your points' value by exchanging vouchers for Clubcard Reward Partner* tokens. They can be spent on train tickets, bicycles, jewellery and more.

    Until June 2018, you could swap your Clubcard vouchers for between two and four times the value in rewards, but they're now worth three times the value in almost every case (ie, 500 points gets you £15 in vouchers).

    A few partners let you exchange vouchers for something without a strict cash value, eg, Avios points, though the boost's roughly the same. See our updated top 10 picks under the Boost scheme.

  • Earn one extra point per £4 with Tesco's credit card

    The Tesco Clubcard credit card gives you one extra Clubcard point for every £4 you spend in Tesco (you get one extra point per £8 spent elsewhere). That's on top of the points you'd normally collect.

    You could get a better return with a cashback card though – for full help and options, see Cashback Credit Cards.

    Ordinarily, you should repay IN FULL every month to avoid interest. However Tesco offers up to 26 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 26 months.

    Remember to repay before the 0% period ends to avoid the 19.9% rep APR. More info in the 0% Cards and Stoozing guides.

  • 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 extra Clubcard point for every £1 spent in store or on fuel with Tesco.

    • One point per £8 you spend anywhere outside Tesco (min £8 spend).

    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.

    You can find better bank accounts though – see Best Bank Accounts for how to get up to 5% interest or a £100+ bonus.

  • 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. Check our Mortgage Best Buys 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 via your online account or by texting 'CLUBCARD' to 28578 for free from your mobile.

    You'll need to top up online, using a Tesco store or by calling Tesco Mobile's top-up phone line 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.

  • 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 Boosting your Tesco Clubcard points forum thread.

Nectar points boosting

Use a Nectar card when spending at Sainsbury's, Esso, Asos, eBay, Expedia and others (see the 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.

  • Boost Nectar points' value via the website

    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 get a slight boost.

    In the past, the boost could be as much as 2x or even 3x the value, but when we last checked we couldn't find many strong deals. However, there are some offers without a strict cash value, which may work out as a boost if you max them.

    These include 350 points (norm £1.75) for any Caffe Nero hot drink, and 1,000 (norm £5) for an individual pizza at Pizza Hut restaurants. Choose the priciest hot drink or pizza available, and you could get a decent boost.

    The redemption process varies by retailer. See the Nectar website for more info.
  • Collect points on train tickets, incl Virgin Trains & LNER

    You can earn two points per £1 spent on tickets (standard and first class), booking via the website or app of Virgin Trains for a west coast line journey, or LNER (formerly Virgin Trains East Coast) for east coast. To be eligible for the points at least part of your journey must be on one of the lines.

    You can also collect points when you buy advance tickets for South Western Railway, TransPennine Express and GWR. See the Nectar website for more info.

  • The Nectar credit card – earn wherever you spend

    If you're an avid Nectar collector, 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 22.9% representative APR interest, which dwarfs any points gain.

    You'll earn two Nectar points (worth 1p) per £1 spent on the card (plus your usual Nectar points). Plus spend £2,000+ in the first three months and you get an additional 20,000 bonus points (worth £100).

    The £25 annual fee is waived for the first year (representative APR incl fee is 28.2%).
    Overall this makes it a decent alternative to the top-paying cashback credit card, provided there's something you want from the Nectar catalogue.

  • Get an extra point per £1 spend in store with the Sainsbury's credit card

    If you don't want to get, or aren't eligible for, the Amex Nectar card above, you could consider the Sainsbury's Nectar Dual* credit card instead. You get:

    • One extra Nectar point for every £1 spent in store or on fuel with Sainsbury's.

    • One point per £5 you spend anywhere outside Sainsbury's.

    New customers will get 750 bonus Nectar points worth £3.75 each time they spend £35+ in Sainsbury's in the first two months from receiving their card – up to a maximum of 7,500 points in total. But don't use this as an excuse to spend more than you normally would.

    Sainsbury's offers up to 26 months' 0% on new spending. Make sure you fully clear the card(s) by the end of the 28 months or you'll be charged 20.9% APR interest on any remaining balance.

Earn Nectar points without spending

You can add to your stash of points without spending anything at all using the tricks below.

  • Answer online survey questions for Nectar points

    You can earn extra points for completing surveys via Nectar Canvass – up to 120 points a pop. 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. You'll get an email when there's a new survey to complete. Plus, every time you attempt a survey, you'll get an entry in Sainsbury's quarterly £5,000 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 website, you can collect 100 Nectar points just by downloading its browser extension. You get a further one point for every two internet searches you make, up to a max of 200 points per month.

  • Check your account regularly for offers

    Make sure you log in to your Nectar account regularly to check for new offers. Some require a spend, eg, 100 bonus points on your next shop at Sainsbury's. But occasionally you can find an offer for bonus points without any spend required – you just have to log in and load it to your card.

    Nectar also has free Android and iPhone apps, which give smartphone and tablet users exclusive bonus points offers.

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

    Oxfam's Tag Your Bag scheme rewards you for donating items to the charity. 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 two 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.

Share tips or read others' experiences in the dedicated Boost your Nectar Points forum thread.

Morrisons More points boosting

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

  • Get five More points for every £1 qualifying spend

    Shoppers can collect the points at all Morrisons stores, at petrol stations on items other than fuel (you get more for fuel, see below) and at Morrisons.com. Spending at Morrisons' flower shops and garden centres is 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 five 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.

  • Join Morrisons' clubs for extra discounts

    Sign up to More for Students* or Baby&More*, and Morrisons says you'll get extra discounts and points, as well as all the benefits of Morrisons More listed above.

  • Download the app to load vouchers to your card

    If you download the new Morrisons More app (available for iPhone and Android), you can load your money-off vouchers straight onto your card and scan your More card at the till using your phone.

Boots Advantage Card points boosting

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 – don't forget about them, as your points will be wiped if you don't use the card for two years.

  • New. 200 free Boots points & how to earn them without the card

    Advantage Card members can now upload their card to the Boots app to scan it in store – so you'll never forget your card again. The app's available for Android and iOS.

    Once you've downloaded the app, link your Advantage Card to it by adding your card number, date of birth and postcode. Then simply select 'Advantage Card' in the app, and it will show a barcode for you to scan in store.

    Get 200 'FREE' bonus points...

    Newbies to the Boots app can currently get 200 bonus points 'free' (worth £2) when they download it for the first time and make a purchase in store.

    Once you've linked your Advantage Card, you'll need to go into 'My Offers' and load the 200 bonus points to your card. You'll get the points next time you spend at Boots – the T&Cs say 'no minimum spend required'.

    A few MoneySavers have reported they've been offered a '200 points on £20 spend' offer instead. We've checked with Boots, and it says this is being offered to those who've previously downloaded the app. If you don't think this is right, contact Boots.

    ... plus loads more offers via the app

    The app's also handy for boosting your points stash as you can load personalised offers to your card. In the past we've seen examples such as 100 bonus points when you buy two or more shampoo or conditioner products, and £1.50 off when you spend £15+ in a single transaction. Though of course, as the offers are personalised, not everyone will receive the same ones.

  • Delay big purchases for Mega Points weekends

    Boots sometimes has Mega Points weekends or days, where if you spend £50 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. Boots usually advertises these events and emails you about them, and where possible we'll include Mega Points weekends or similar promotions in the free weekly email.

  • Check the Advantage Card emails to maximise your points

    Boots sends out a weekly email to Advantage cardholders 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 mail-outs giving special offers on relevant goods, allowing you to get discounts and earn more points. The Boots Parenting Club gives an extra 10 points for every £1 spent on baby products and More Treats for Over 60s offers 10 points per £1 spent in store on Boots-branded items.

Share tips or read others' experiences in the dedicated Boots Advantage Card forum thread.

Choose the best value redemption

For all schemes, the key to maximising value is to choose the best value redemptions.

        Pick the redemptions you're interested in

For example, imagine a Blu-ray can be bought with 2,000 Nectar points, while a computer game costs 9,000 Nectar points.

        Value the points

Now check the value of those points. Here 2,000 points is worth £10 and 9,000 is worth £45.

        Check the cost to buy

Compare prices at other stores to see how much you'd pay for these items if bought in cash. Let's say the Blu-ray is available for £9.99, while the computer game can be bought for £39.99.

        Choose the best value redemption

Pick the one that's the best use of your points. While the Blu-ray is £10 in points and about the same in the shops, the game is £45 in points and can be bought for less in cash. Therefore the Blu-ray is a better use of your points.

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.

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