Maximise your Avios, air miles and hotel points

TopCashback stopping Tesco Clubcard (and on to Avios) as a payout option

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One of the easiest ways of earning Avios points or Virgin Flying Club miles is via cashback site TopCashback.

TopCashback allows you to take up to £50 of cashback from your day-to-day online shopping and convert it into 5,000 Tesco Clubcard points.  This means that it will turn into 12,000 Avios points – you are basically ‘buying’ Avios points for just 0.4p each.  This is repeatable every year.

This is a great deal and was a fairly easy 12,000 Avios points per year for Head for Points readers.   If you had a British Airways household account you could do even better.

TopCashback 350

Last night, TopCashback announced that Tesco is withdrawing on 31st July.  TopCashback transfers to Tesco will be ending on that date.

This move appears to be linked to the broader restructuring of the Clubcard scheme which is currently underway.  We have already seen the ending of Clubcard Boost ‘double up’ in store (the current promotion will be the last).  It has also been reported that Clubcard points will soon be instantly redeemable – like Nectar or Boots Advantage points – by swiping your card at checkout.

Interestingly, TCB said that 33% of users who chose Clubcard converted their points into Avios.  30% used them for restaurant vouchers and 20% for family day out vouchers.

There isn’t much more to be said, except that you should ensure that you do what you can to ensure your Clubcard money is paid out before 31st July.

You will still be able to convert TopCashback money directly into Avios points.  This is an acceptable deal – you get 1.05 Avios points for every 1p of TopCashback money you convert – but nowhere near as generous as routing your points via Tesco Clubcard.

If you used TCB to earn Virgin miles then there is no alternative option.

If you want to sign up for TopCashback and try to earn some cashback very quickly, my refer a friend link is here.  You are reliant on the merchant paying TCB before 31st July, however, so there is no guarantee the money will arrive in time.

This move could also be problematic for TCB itself.  It is generally seen as having poorer customer service than Quidco, but people put up with it because of the Tesco conversion option.

With that gone, TCB loses some appeal. Remember, however, that you can still buy Avios via TCB with zero effort for a touch under 1p and that is not a bad deal at all.


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 (70)

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

  • David says:

    This is most frustrating, as my next 12 month cycle begins on 1st August. I’ll miss out on converting another £50 into Avios by one day 🙁

  • Olly Loosemore says:

    I’ve only recently started doing this thanks to Your site 🙁

  • Andrew Stock says:

    How long will Tesco keep the 2.4 avios per clubcard point rate?

    • James67 says:

      I’m guessing it will be devalued or eliminated within a year along with most of clubcard scheme. I can see no benefit to tesco maintining the current scheme, I doubt it is keeping customers in tesco at expense of aldi and lidl, and clubcard seems to me at least to be very expenive to run in comparison to Sainsburys and Morrisons loyalty schemes. Consequently I suspect it us facing the chop, just remins to be seen whether tesco will do this gradually or take a bigger risk by doing it all at one go.

      • Yuff says:

        we don’t have an aldi or lidl, where we live, but even if we did I wouldn’t shop there.
        Since I really got into the points collecting game I’ve only ever bought shopping from tesco, albeit that’s helped by there only bring a tesco and co-op near where we live so it’s not a difficult choice.
        The tesco brand match is very handy and I used it last week to pick up some good wines plus some Tattinger at 16.75 in their wine and champagne promotion.

        • James67 says:

          Personally I’ve always tended to shop at my nearest supermarket regardless of brand. Never considered the cc points on day to day spend a big attraction, I focussed more on the big cc promotions and loopholes. The facts soeak for themselves though, all four main supermarkets have been losing customers bug time to the discounters.

  • Oyster says:

    I’m more worried by Clubcard becoming instantly redeemable. I presume this means my Clubcard has now become an £800 pile of cash attached to my car keys?

    • Rob says:

      Nectar has a (modest) security element by only letting you redeem at a store where you have made a purchase in the last 6 months. All that means, though, is that anyone who nicks your key fob has to buy a newspaper, wait 24 hours and then clear you out.

    • Michael says:

      I’m glad. I missed the transfer for this current statement by a day or two and now need to wait months to transfer to BA points.

  • Steve R says:

    Luckily my wife’s & mine are eligible to transfer to CC (again) at the end of this month, so that’s £100 on its way then onto Virgin.
    Hopefully we might gat some nice promotions from Tesco bank. Just got my 4000 points from the home insurance

  • Pol says:

    Very concerned this is the start of Clubcard devaluation and payouts to Virgin/BA may be next. Went to concert my CC vouchers to Avios.com but, unlike when converting to BA or Virgin I can’t see anywhere to put my account number, any ideas how they know where to send it?

    • Liz says:

      They just match up your info – I converted £50 last week and it posted into my Avios account a couple of days later.

  • Kathy says:

    This does worry me, long-term, as if Avios become harder to collect via clubcard I will struggle to build up enough to fly business class again. I don’t travel for work, and with only c. £7k-£8k credit card spend a year I simply can’t build up that many from sign-up bonuses and daily spend.

    • Alex says:

      Get a Lloyds Avios dual pack. 7k spend will let you fly BA’s (admittedly premium economy-like) Business for the price of Premium Economy.

      The ongoing QR C sales make even that redemption route look poor value though… Once you fly in their business pod (787, a350, a380) it would make BA C feel like taking the bus…

      • Kathy says:

        That was my long term plan – to get the Lloyds card and build up enough Avios to do LHR-SYD return in club using the upgrade voucher (obviously depending on midnight booking a year in advance for the availability!). But I’d still need to save c.150k Avios for that to work, and I was relying to Clubcard points for a lot of that. Those QR ex-EU fares are looking better and better – unless I really luck out and win a million Avios!

  • NS says:

    I’m just checking the payout tab and the tesco clubcard option appears to have disappeared. is anybody else seeing it as an option?

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

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