I am now the proud owner of a Tesco Clubcard MasterCard!
This is the highest paying MasterCard or Visa on the market if you want to collect Avios.
Now, of course, that does not mean that it has a great earnings rate. You earn 1 Clubcard point for every £4 you spend, which works out at 0.6 Avios per £1.
Annoyingly, this is calculated on a ‘per transaction’ basis. A £4 transaction gets you 1 point. However, a £7.99 transaction also gets you just 1 point. And any transaction of £3.99 or less earns nothing! It has a big impact on your earnings if you put through lots of small transactions. However, on larger transactions, this is not a major issue.
0.6 Avios per £1 is just about OK. However, remember that you can save your Clubcard vouchers for the next Avios (or Virgin Flying Club) transfer bonus.
Another 40% transfer bonus, for example, would mean you were earning 0.84 Avios per £1, which isn’t bad at all for a MasterCard.
As I now have the card, I am able to refer Head for Points readers. You will receive 1,000 Clubcard points (2,400 Avios / 2,500 Flying Club miles) if you are referred, and I receive 1,000 points for referring you.
Remember that there is NO sign-up bonus if you apply directly, so you should definitely get a referral.
The process for being referred is slightly odd. You need to apply for the card FIRST! Once you have received it, email me at rob at headforpoints.com and I will email or post you a referral form and my card details. You then fill in your card details and post the form to Tesco, who credit the points to your account.
Want to earn more points from credit cards? – June 2021 update
If you are looking to apply for a new credit or charge card, here are our June 2021 recommendations based on the current sign-up bonus.
You can see our full directory of all UK cards which earn airline or hotel points here. Here are the other top current deals:
British Airways American Express
5,000 Avios for signing up, no annual fee and a companion voucher for spending £20,000 Read our full review
British Airways American Express Premium Plus
25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review
American Express Preferred Rewards Gold
Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review
The Platinum Card from American Express
30,000 points and an unbeatable set of travel benefits – for a fee Read our full review
Virgin Atlantic Reward+ Mastercard
15,000 points bonus and the most generous non-Amex for day to day spending Read our full review
Earning miles and points from small business cards
If you are a sole trader or run a small company, you may also want to check out these offers.
American Express Business Gold
20,000 points sign-up bonus and free for a year Read our full review
American Express Business Platinum
40,000 points sign-up bonus and a long list of travel benefits Read our full review
British Airways Accelerating Business American Express
Earn both Avios and BA On Business points with your business spending Read our full review
Capital On Tap Business Rewards Visa
The most generous Avios Visa or Mastercard for a limited company Read our full review