As the miles and points market is almost entirely automated these days, the possibilities for losing your points to fraud are increasing.
Last year, for example, I wrote about how a lot of people had their Priority Club points stolen. If programmes offer instant redemption offers – Priority Club will let you redeem your points for an Amazon discount code which they email to you immediately – then fraud will be a risk.
Tesco had similar problems last year. A couple of weeks ago, a HFP reader, Mark, emailed me to say that he had recently been a victim. And, according to this moneysavingexpert report, it is still a major problem. If someone gets access to your Tesco Clubcard account, it is easy enough to order some e-codes for various retailers or to have paper vouchers sent to a different address.
It is not clear how people are getting access to Tesco accounts. It is possible that they are trying random email addresses and easy to guess passwords. Perhaps more likely, they are being harvested by spyware or people responded to a spam email and gave out their details.
The good news is that Tesco is reinstating stolen points very quickly when you report it.
There are two ways to help protect yourself against fraud.
The first is to use a service like AwardWallet to track your miles and points balances. With Tesco Clubcard, AwardWallet shows not only your current points balance but also your total of unredeemed vouchers. It is therefore easy to notice if someone redeems your vouchers fraudulently.
Secondly, use a secure password. If you have a lot of unspent vouchers sitting in your Clubcard account, treat its security with the same importance that you would your bank account.
How to earn Avios from UK credit cards (February 2023)
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:
There are two official British Airways American Express cards with attractive sign-up bonuses:
SPECIAL OFFER: Until 21st February 2023, the sign-up bonus on the British Airways Premium Plus American Express card is increased to 35,000 Avios from 25,000 Avios. You can apply here.
You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points.
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.
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.
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.
Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.