Maximise your Avios, air miles and hotel points

Get 150 Clubcard points per £50 Amazon purchase with 3V cards

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The easiest way to earn a lot of Avios points or Virgin Flying Club miles in 2013 was with 3V Virtual Visa cards – as long as your local Tesco sold them.

As with all non-Tesco branded gift cards, you earn 150 Clubcard points for every £50-worth you buy.  This meant 360 Avios or 375 Virgin Atlantic miles.  Because Tesco accepts American Express, it was also an easy way to increase your spending if you needed to hit a sign-up bonus on a new Amex card.

The deal was so great because you could use 3V cards for financial transactions.  Most blatantly, you could pay them into certain bank accounts so you got your entire £25 per card back immediately.  The only limit to the number of free Avios you could earn via this route was the number of 3V Virtual Visa cards stocked in your local Tesco.

The wheels came off the bus in December 2013.  Overnight, 3V changed their acceptance rules.  The cards are now rejected if you attempt to use them for a financial services transaction.

However, Tesco is still selling 3V cards at face value.

You still earn 150 Clubcard points for every £50-worth you buy.

If you use an Amex Gold to buy them, you would also earn 100 Membership Rewards points as it is a supermarket purchase which earns double points.

Where can you still use them?

I saw my first 3V cards for at least a year whilst on holiday last week.  I bought £50-worth and redeemed them for Amazon gift certificates at £25 each.

This is the easiest way, for most people, to redeem 3V cards.  You can order Amazon gift certificates for yourself and pay them into your Amazon account.  You then have a credit balance which you can work through for future purchases.

(If you do this, please consider using our Amazon affiliate link by clicking here or clicking the Amazon logo in the right-hand margin.  We earn a small commission on each gift card purchase.  You cannot earn cashback anywhere else for buying Amazon gift cards so you don’t lose anything.)

There are some other places that still take 3V cards.  If you have regular monthly payments to any of these companies then it is something you should take a look at:

Sky

Vodafone

BT

EDF, Scottish & Southern and E.ON

TV Licensing

Parent Pay

Virgin Media

Apple Store e-gift cards bought direct

You can also purchase gift vouchers via TopGiftCards, High Street Vouchers and Love2Shop.

If you have a direct debit for bill payment with any of the above, you can use a 3V card to make a partial payment onto your account.  The next direct debit will then be adjusted.

Some merchants may put a £1 block on your card when you attempt to use it as a security check.  The maximum you can then pay is £24.  The remaining £1 will be released within 7-10 days and can be used to buy an Amazon gift voucher.

Some merchants will also restrict the number of different card numbers that a single customer can use to 2+ in a 24 hour period.  Do not expect to be able to use up 10 3V cards with the same merchant on the same day.

Any updates to the above list are welcome.


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 (355)

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

  • Paul says:

    Are there any any central London stores with consistent availability? I’ve never seen 3Vs on sale!

    • colibob says:

      Yes, lots.
      No, I won’t tell you cos then i won’t be able to buy them 😛

  • avidsaver says:

    Does anyone know if Anglian Water accept them?

  • Alex says:

    Sky take 4 per month without any problem. I done 6 at first and all were refunded. Virgin Media wouldn’t take them last time I tried.

    • Col A-B says:

      That’s excellent to hear about SKY. I’ll now get onto it.

  • Tariq says:

    Interesting! Been looking for a way to pay for TV Licence by Amex as it’s due very soon…! I take it that you need to have their ‘Savings Card’ to be able to make split payments from separate cards?

    • James says:

      Yes, I called them and they provided a savings card within a few days, no problems using 3v now

    • Trevor says:

      You need to have at least 3 months validity on your TV license before they’ll issue a savings card, but if you are too close to expiry you can’t get 3 months anyway fast – direct debit will slowly creep up, and you can’t pay a lump sum in advance without paying the full annual bill. However, you can get a payment card anytime, and while they provide a payment plan, you can pay any amount at any time, and you can pay this with 3V.

      • Tariq says:

        Thanks Trevor, I had this conversation with them this morning – my licence fee is due in 3 weeks time! 🙁 I will call back and ask for the payment card to be set up rather than the savings card and then start bashing away at it… 🙂

      • Sully says:

        Simply not true.
        I applied for my first TV licence and savings card at the same time.

        • Trevor says:

          “Simply not true” – really? I’d say my frustrating experience speaking to multiple people in multiple departments via multiple phone calls over multiple days and each stating the same rule doesn’t seem like “simply not true”, and when one person finally said I could get one, I still didn’t actually have 3 months credit (tho it had increased through some direct debit tricks), yet I still actually received the payment card (which I was pleasantly surprised to find worked just as well, despite advice to only apply for the savings card). And it would seem Tariq’s experience above matches mine, while the landing page about the “TV Licensing savings card” does explicitly state “Please note you must currently have a valid TV Licence.” So maybe you should share your experience/luck (which is what a forum/blog is for) but not try to invalidate other people’s experiences, or organisational rules that have been enforced, based on your own limited knowledge – there’s a pretty good chance we don’t make this stuff up! You also don’t explicitly state that you didn’t pay for your new license upfront at the time of application, in which case if you did you immediately had 12 months validity and your experience is invalid.

  • Alan says:

    They never seem to have gone away from the stores up here in Scotland, although they’re definitely less appealing now the NS&I route has gone! One of my 4 didn’t activate yesterday, thankfully with there being lots on the shelf I just grabbed another one (that worked) and took all 5 away – easier for me to work out which one didn’t activate than for them! Already got a big credit with Sky so probably the Amazon route next!

    • Phillip says:

      On one occasion last week, apparently the servers were down and none of them would activate. Had to go back the next day.

  • Zoe says:

    Kenwood Travel have been taking them. You have to ring up to make a payment and after I’d done a few I had to speak to a senior guy to convince him I wasn’t money laundering. 80 more cards and our Barbados hotel for half term will be paid for 🙂

    • Erico1875 says:

      Sunshine holidays take them too..
      I would think most travel companies such as travel republic and on the beach etc would take them too.

      • BP3 says:

        Interesting. Got £600 to pay Sunshine and I never though of 3V!

        • Sideysid says:

          I wouldn’t bother – I did this earlier in the year. Managed to do a few payments over the phone, but then they started kicking off, saying they would ‘investigate’ the payment method (and accused me of money laundering).

          In the end I just paid the fee to join the 3Vs up, and payed off the balance online (as £50 is their minimum transaction). And that’s also the end of my custom after several years of holidays with them.

          • Andrew S says:

            Did you clearly explain what you were doing? Every time this has happened to me the “fraud” dept has been in laughter and wished me well…

  • Phillip says:

    Personally, I haven’t stopped seeing them all year. In small batches but I use 4-5 different Tescos in Hertfordshire and they’re almost always stocked.

    Highstreetvouchers now unfortunately charges £1 for vouchers making a batch of £25 cost £26! It’s a shame because you were able to get M&S, Waitrose and allsorts of other vouchers. There was something amusing about shopping in M&S or Waitrose knowing you’ve earned Clubcard points for it.

    O2 still accept them but only up to 2 of them online. You can use more if you make a phone payment.

    • Phillip says:

      I hadn’t realised TopGiftCards existed. Thanks for pointing it out Raffles! Will do the trick!

      • craig says:

        I used 3V cards for Sainsburys and Asda giftcards from TopGiftCards and found that after my 2nd purchase they no longer accepted any new cards.

        Just to add to the list, as well as Skype and Amazon, I pay Ovo energy and Southern Water using 3V cards. I was also using them for O2 but they now are no longer accepted.

    • James Ward says:

      When did the £1 charge start? I ordered (yet another) batch of John Lewis vouchers just last week.

      Like you, I enjoy earning 300 CC vouchers every time I spend £100 at Waitrose!

      • Head for Points says:

        I thought High Street Vouchers brought in the charge and then dropped it quickly after negative feedback?

    • N says:

      I’ve just checked the HSV website and can’t see any mention of a £1 charge.

      • Phillip says:

        I last noticed it 2 weeks ago. So it sounds this has changed again – great! I did get the automated email asking why I hadn’t completed the transaction so here’s to someone listening to feedback!

    • Bsuije says:

      Are the John Lewis vouchers paper ones?

  • Zoe says:

    If after next Thursday your child has a place at Uni and has hall fees to pay it will be worth checking if they work with 3V.

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

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