A couple of years ago, Tesco changed the rules of their Clubcard scheme. A cap was brought in, with the maximum number of points you could earn per quarter capped at 30,000 (so 72,000 Avios or 75,000 Flying Club miles).
This cap was never enforced, though. Everyone assumed that Tesco had brought it in to cover its back if it discovered abuse of the scheme, so that it could strip people of points if it wanted.
This quarter, though, it IS being enforced. Not for everyone, but for some people. There are a number of reports on paidtoshop and Flyertalk of people having their balances reduced to exactly 30,000 points and receiving just £300 of vouchers.
Frankly, this is a bit of a poor show by Tesco, since the rule has never been imposed in the past. It is difficult to know if you would have any recompense against them, given that the rules do state this clearly.
There is at least one lesson to learn here, though: do not transfer TopCashback cashback to Clubcard until it is nearly at the end of a Clubcard quarter.
A number of people have had TopCashBack funds removed from their Clubcard account. This seems very wrong – Tesco is effectively taking real money away from you in this scenario, as you could have cashed out that TopCashBack money for real cash.
If you are considering moving TopCashBack money to Tesco, leave it until late in the quarter. If a great Tesco promotion comes along to earn Clubcard points very cheaply, you can fill up your account to 30,000 points that way and hold off from doing a TCB conversion until next quarter.
(You should, though, do a very small TopCashBack transfer to Tesco as soon as you can, since it starts the clock on the one year anniversary at which point the £50 cap resets.)
Even weirder, there are examples of Tesco taking away ‘change’ from Clubcard vouchers issued in a previous quarter! (If you redeem a £20 voucher for a £5 redemption, the £15 ‘change’ is credited back to your account and reissued next time.) This seems even crazier, since these points were clearly originally earned in a different quarter.
It will take some time before the dust settles on this and we can be clear about what is going on. At the moment, though, go above 30,000 Clubcard points at your own risk.
How to earn Avios from UK credit cards (December 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:
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.
SPECIAL OFFER: Until 9th January 2024, you will receive 30,000 Membership Rewards points (convertible to 30,000 Avios) with American Express Preferred Rewards Gold. You receive 25,000 points if you spend £3,000 in three months and a further 5,000 points if you hold the card for 15 months. You can apply here.
SPECIAL OFFER: Until 9th January 2024, you will receive a huge 100,000 Membership Rewards points (convertible to 100,000 Avios) with The Platinum Card. You receive 75,000 points if you spend £10,000 in six months and a further 25,000 points if you hold the card for 15 months. You can apply here.
American Express Preferred Rewards Gold
Your best beginner’s card – 30,000 points (TO 9th JANUARY), FREE for a year & four airport ….. Read our full review
The Platinum Card from American Express
Crazy 100,000 points (TO 9th JANUARY) 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.
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.