Maximise your Avios, air miles and hotel points

Big news – you can now transfer ALL TopCashback money to Avios

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For over a year now, there has been a fantastic deal available for earning Avios very cheaply from cashback site TopCashbackYou could convert up to £50 of cashback per year into Tesco Clubcard points.  Those Clubcard points could then be transferred to avios.com or British Airways Executive Club.

This allows you to effectively ‘buy’ Avios points for just 0.39p each.

(£1 of TopCashback gets you 105 Clubcard points which gets you 240 Avios or 250 Virgin Flying Club miles).

You can read the full details of how to earn Avios from TopCashback in this article.

For heavy cashback earners, the £50 annual cap was an issue – although you could get around it by having a separate TopCashback account for anyone else who shares your Avios household account.

There is now a way of transferring your cashback ABOVE £50 to Avios.

Yesterday TopCashback announced that you can convert cashback money DIRECTLY into avios.com or British Airways Executive Club.

Before you get too excited, check out the conversion rate.  It is 1 Avios point per 1p of cashback.

As you get the 5% bonus for not taking your earnings as pure cash, you are actually getting 1.05 Avios per 1p of cashback.  This means you are paying 0.95p per Avios.

0.95p per Avios is a lot cheaper than you can buy them from British Airways.  It is not a fantastic deal, however.  My general recommendation on Head for Points is that – unless you specifically need to top-off your account for a redemption – 0.75p is a decent target to aim at.  You will never lose money at 0.75p.

For a lot of redemptions, 1p to 1.25p is roughly the value you will achieve.  You should therefore think carefully before turning something VERY flexible (ie cash!) into something which is not flexible (ie an Avios point) and which might not be worth much more than the cash alternative.

One possible upside is that this is a cheap way of stopping Avios expiring if your account has had no activity in three years, although I doubt many Head for Points readers fall into that category.

You can read more about this new deal at the TopCashback blog.

If you are not already a TopCashback member, you can sign up via this link.  This is my refer-a-friend link, which unfortunately doesn’t get you anything special but does help support Head for Points.

PS.  There is one piece of small print to this deal.  Cashback from travel companies cannot be transferred to Avios.


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 (44)

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

  • Anon says:

    Wonder if Virgin will jump on the bandwagon too?

    Let’s hope they are watching and follow suit (bit like when BA have a web fare sale)

    • Jason says:

      Mine was 7.5% at the time! however I did use one of Raffles codes which saved £100 on both bookings, plus another £100 with the Amex trip advisor offer.

    • RogerWilco says:

      For me some tracked originally as £5,5 instead of 5,5% – I raised a claim at once they tracked and the claim form calculated the correct amount of missing CB. Those are all still pending, so no idea about the final outcome.

      Of course sub £100 orders tracking £5,5 were not claimed

    • Andrew (@andrewseftel) says:

      Affected me too

  • Manuel says:

    Hello,

    Is it the first 50 at old rate of 0,39 and the rest at 0,95. Or did all went to 0,95?

    • squills says:

      It’s a completely different payout method. So you can do both.

    • Graeme Archer says:

      The first £50 goes to Tesco for Clubcard vouchers rather than directly into Avios.

      • squills says:

        Not exactly right. You can decide which withdrawal method to use.

  • Brian says:

    True – but there are lots of restrictions on the use of hotel and restaurant vouchers obtained through Tesco. You can’t combine the restaurant ones with offers, as far as I know – so all the voucher deals that are available, or tastecard 2for1, can’t be used. This reduces the value of the voucher, since you’re missing out on great deals. So unless you happen to be eating at one of these restaurant chains on one of the (few) days when other deals are not valid, the chances are you aren’t actually getting 3-4 times the value of the Clubcard voucher.

    • Jason says:

      I suppose it depends what you collect clubcard points for? I only collect for conversion to air miles( Avios currently) and then to use for flying business or first. Travelling as a family of 4 is difficult in business, so have had to book in first. However now having a discussion with my wife about flying air Berlin next year on 2 separate flights( as only 2 business seats available per flight), the savings seem too good to ignore IMO, however my wife would prefer to travel together- decisions decisions!!!

    • squills says:

      Yep I’ve never found the Clubcard deals that brilliant vs Avios. Even boosts seem a waste of money vs Avs on the whole, though I suppose if you needed a Hudl and could find a MOC it wasn’t so bad. But that’s just us – we fly quite a bit (x5 in family) so Avs means good savings vs alternative air fares especially if you can get their real cost down to the sub 0.5p mark 😉

  • Idrive says:

    i am working towards the £50 limit for this year (missing a few quids) and have £50 lined up for september already, when i enter year 2, to be converted straight away to CC. I don’t know if I will benefit of the direct exchange (but it is definitely good news! to have this direct connection. but you might consider this as a “travel fund”, so you work out a little “tax” on everyday life expenses for the leasure piggybag!:-)

  • Joel says:

    Just performed a transfer of £35 to Avios, the majority of which was BA Holidays (i.e. flight plus hotel). Seems to have allowed it, so apparently BA is not a travel company!

  • Tim says:

    Also remember that there are many, many creative ways of generating cash back – many more so than there are opportunities to accrue large amounts of Tesco CC points. Some particularly lucrative ones are life insurance policies where one is only required to pay £5 or £6 per month for a few months to obtain £100-£150 cash back. These drastically change the Avios arithmetic, though, yes, as the cash back can always be taken as actual cash, a value equation does nominally still apply.

  • James67 says:

    Like the BA buy avios promo caution is needed here. If you can get avios at about 0.75p each via cash & avios redemption then these transfers make no sense. Best to just do cash & avios redemption. Also, if you are going to buy maximum avios now (and assumming you don’t want more avios than that) then it would still be brtter just to take the cash from TC and buy the avios under current promo at the maximum bonus.

  • Idrive says:

    did anyone manage to find a way to split the pay outs? ie a 140 from sky into 40tesco/50cash/50paypal or 50/90

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

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