Maximise your Avios, air miles and hotel points

Free Avios with 3V Virtual Visa – our list of places where you can use the card

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My article last week on buying the fee-free 3V Virtual Visa giftcard in Tesco has attracted a huge number of comments, over 170 at the time of writing.

(If you missed the original post, you can buy 3V Virtual Visa cards in Tesco for £50, earn 150 bonus Clubcard points – 360 Avios points – and then use the cards to pay off online bills where only debit cards are accepted.  My main 3V Virtual Visa article is here.)

I have been through all of your comments on 3V cards.  Here is a list of places where they definitely can and cannot be used online:

Works fine:

Amazon (Amazon sells online gift vouchers from 10p.  Ordering a voucher to be sent to yourself is a great way to empty your 3V card if you have a small balance left.  You can then add your gift voucher to your Amazon account as a credit, and it will be used next time you order.  If you use our Amazon link here, Head for Points gets a commission when you order a gift voucher.)

Barclaycard (works to settle Priority Club and Hilton HHonors credit cards, does not appear to work with standard Barclaycard bills)

Council tax (varies by authority, of course, but most accept debit cards these days)

EDF

E.ON

Freemans

Hargreaves Landsown

highstreetvouchers.com (lets you use the cards for a wide range of vouchers eg John Lewis)

HMRC (treated as a debit card so no 1.4% fee to pay)

Next (to pay off account balance, although you can also use Next gift cards from Tesco for this)

Npower

O2

Orange

Sky (Sky also lets you prepay online, using that balance up before recommencing your normal direct debit)

South West Water

TalkTalk

Virgin Media

With caveats:

Scottish Power (will take it but treat it as a credit card with a 1.4% fee)

TV Licence (cannot split payment, so would need to pay the £1.75 per card transfer fee to move £150 onto one 3V card)

Does not work:

American Express (to pay bill)

British Gas

MBNA credit cards (to pay bill)

Scottish Gas

Selftrade

Tesco online shopping (surprised by this, any other reports?)

Tesco savings account (when depositing using a debit card)

Please continue to add your own experiences with utility companies, credit card companies etc.  We know that they should work as ‘normal’ with online retailers so that is less important unless there is a special tweak involved.  Other ideas apart from Amazon for cashing out very small remaining balances are also welcome.


How to earn Avios from UK credit cards

How to earn Avios from UK credit cards (April 2024)

As a reminder, there are various ways of earning Avios points from UK credit cards.  Many cards also have generous sign-up bonuses!

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

There are two official British Airways American Express cards with attractive sign-up bonuses:

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

British Airways American Express

5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £15,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

40,000 bonus points and a huge range of valuable benefits – for a fee Read our full review

Run your own business?

We recommend Capital on Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, along with a sign-up bonus worth 10,500 Avios.

Capital on Tap Business Rewards Visa

Huge 30,000 points bonus until 12th May 2024 Read our full review

You should also consider the British Airways Accelerating Business credit card. This is open to sole traders as well as limited companies and has a 30,000 Avios sign-up bonus.

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

American Express Business Platinum

40,000 points sign-up bonus and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and FREE for a year Read our full review

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.

Comments (129)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • James says:

    The only other way I think is to add them to your paypal account and then email 3V to reverse paypal’s £1 authorisation, but then you must spend them with an existing paypal balance

  • Ben E says:

    anyone had success with Oyster yet?

    • jonny says:

      it has been reported as working, see comment above from jamie

  • Ed E says:

    Do you know if you can use these for cardholder not present transactions over the phone? I have some boat things, such as marina fees, where they haven’t got online processing but they will put the number in their machine with the expiry date and CVV. I will also see if they guy is nice and will let me put £1500 of next year’s mooring fees on there but I think 60 transactions might be a lot of paperwork for him.. can’t help but ask though!

    Does anyone have any experience of these Cardholder Not Present transactions?

    • Ed E says:

      Sorry,

      I found a new page on the the 3V site which I hadn’t found before!
      “To shop online, by mail order or by phone, you need your 3V Visa Number, the expiry date and the 3-digit security code.”

      So from this, I would say that it should be absolutely fine!

      Ed

    • Rob says:

      In theory they should work for phone and mail order transactions, anything which is set up as ‘cardholder not present’

      • jonny says:

        yes you can do it over the phone, I have done it no problem.

        the only reason it does not work in store is there is no physical card just a virtual number on an email.

        the retailer does not have to be an “internet retailer”, just willing to take details over the phone.

  • Max says:

    How about a new post which lists the Tesco stores with stock of 3V cards? 🙂
    Let’s begin with London 😉

    • Ed E says:

      Hammersmith – Shepherd’s Bush Road, empty rack. (Should have bought them last week!)

      • Max says:

        Ha Ha!…now re-read my post…emphasis on “stores with stock”

        • Trevor says:

          There is a link on the Tesco giftcard page to find stores that stock giftcards, though I found the link didn’t work. After scanning the HTML code, I did manage to get the search working, but of course you cannot specify which giftcard you would like, and it shows almost every store as stocking giftcards, even if they are only (from experience) Tesco and iTunes giftcards.

          So, using the tool is pointless, and hoping to find stock is wishful thinking 😉

  • Squillion says:

    Here’s an interesting one 😉

    Just spoke to my council tax people to check the balance. I’m now in 3V credit for the year, all as I expected.

    Nice lady asked if I’d like a refund of the credit back to the a/c where my direct debit goes out from.

    Not just yet, I replied 😉

  • Squillion says:

    That’s because you get 150 points per 2x£25 3Vs 😉

    • flyingflea says:

      You’re so right!!! I feel so stupid now!

      • Trevor says:

        Didn’t wanna say it 😉 lol
        That said, I have read that there is a 5 card limit, so interesting reading that so many people have bought so many at once.

        • Sinizter says:

          I have bought 8 at once. No problems at all.
          4 more in another transaction a few minutes later.
          All on the same clubcard. Points were credited correctly too.

  • Jamie says:

    Anyone tried using the self scan tills yet ?

    • Gordon says:

      You cant put any gift cards through at self scan

  • Gordon says:

    Does anyone know how often these cards get refilled. Its been a week since my two local stores sold out and there’s no sign of them getting replaced. They have split the paid cards across the holders where the 3v ones used to be.

    Do we have a definitive list of which shops sell the cards. I know there is a list on the 3v website but tesco doesnt appear on it. Has anyone seen them in boots? I also found a page on homebase saying they sell them but again no mention on the 3v site

    • Squillion says:

      In my part of the world, Tesco staff said the card racks don’t even get refilled every 2 weeks.

      • Fidelityutensils says:

        And apparently not by Tesco themselves. We were told the “Giftcard Store” shelves are restocked by a “guy from the Giftcard company”?!

    • Colin says:

      But only Tesco will give you the clubcard bonus, so buying them in other shops wont be much use.

      • Trevor says:

        Exactly! Then you’re just swapping one payment method for another, more complicated one.

        • Neil Spellings says:

          There is still a benefit buying these from other stores than Tesco if you find them, it’s just not as lucrative.

          You can buy the 3V cards from the retailer using a CREDIT card, thus accumulating points on your spending, and perhaps meeting spending targets to gain bonus points.

          I visited 5 shops at the weekend including many that 3V list on their website as stocking them (WH Smiths, Boots, Clintons, Sainsburys) – none had any stock of the 3V cards.

          • Trevor says:

            You’re right, Neil, you could still use as advanced spend for churning, or paying some bills to earn points, though the mission to pay in lots of £25 is annoying and in many cases not possible, and to transfer credit between cards will wipe out any points gains (ie to join 2 cards at £1.75 to pay a £50 bill means paying £1.75 for possibly only 50 points on the original credit card, or paying 3.5p/point!) or cost you 7% per extra £25 spent in a single transaction. You can buy Travelers Cheques to churn cards through Amex’s site and pay only 1.5%.

      • Rob says:

        But it still lets you earn credit card points – and work towards a signup bonus target if applicable – at retailers who only accept debit cards or don’t take Amex or charge a fee for credit cards.

        Not so generous that I would go out of my way to find them in other shops, but if I came across them I would buy them.

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