Just a reminder that tomorrow is the last day to earn 500 Tesco Clubcard points (1,200 Avios) for joining cashback site TopCashback.
TopCashback, like Quidco, is a site which allows you to earn a small amount of cashback on your day to day shopping by clicking through to participating merchants.
Last year, TopCashback launched a feature allowing you to pay your cashback directly into your Tesco Clubcard account – and give you a 5% bonus on top.
This dramatically increased the value of TopCashback cashback versus Quidco:
£10 of cashback earned at Quidco earns you £10
£10 of cashback earned at TopCashback earns you £10.50 (with the 5% bonus) paid into your Tesco Clubcard account. That gives you 1,050 Clubcard points. These convert into 2,520 Avios points or 2,625 Virgiin Flying Club miles. You are effectively ‘buying’ Avios points for just 0.4p each.
Until 10th February, if you join TopCashback via our refer-a-friend link, you will receive 500 Clubcard points when you have earned £10 of cashback.
There is no time limit on how long you have to earn your £10 cashback – a month, three months, six months, whatever.
Note that your 500 points are not deposited directly into your Clubcard account. Once you have earned £10 cashback, TopCashback will put a further £5 in your TopCashback account. However, you can only withdraw this £5 to your Tesco Clubcard account.
You can transfer up to £50 of cashback per year from TopCashback to Clubcard (a year runs from the date of your first Tesco transfer, not the calendar year or from the date you joined). This means that you can earn up to 12,000 Avios per year this way! Your £5 sign-up bonus does NOT count towards your £50 per year cap.
The only condition is that you join via a refer-a-friend link. If you sign up directly on the TopCashback site, you will not receive your 500 Clubcard points.
You should open a TopCashback account now and using it for your day-to-day online shopping instead of Quidco, at least for the first £50 of cashback per year you generate.
There are two membership levels at TopCashback – a free version and a £5 annual fee version. The £5 level pays slightly higher cashback and has improved customer service if you have any problems. However, you will receive the 500 Clubcard points whichever level you choose. To be honest, I would start at the free level anyway and only upgrade when you have decided that you like the site.
Unfortunately, there is no notice on the TCB site that you will be signing up for the Tesco offer. However, don’t worry, you will be fine! ALL refer-a-friend transactions until 10th February will be receiving it.
I receive a commission for referring you which helps to support HfP. Thank you.
How to earn Avios from UK credit cards (October 2022)
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.
EDIT: Until 25th October 2022, there is an exceptionally generous sign-up bonus on The Platinum Card. You will receive 60,000 Membership Rewards points – double the usual amount – and £200 to spend at Amex Travel. You need to spend £6,000 within six months to earn the bonus.
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 10,000 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.