Tesco imposing the 30,000 points (72,000 Avios) per quarter cap on Clubcard earning
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About four years ago, Tesco changed the rules of the 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 rarely enforced. 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. There is also an exception for people who earn points from Tesco Bank.
About two years ago, Tesco did have a period where it began to randomly enforce the rule. A number of people reported having their balances reduced to exactly 30,000 points and receiving just £300 of vouchers.
It all went quiet again.
Frankly, for the last year, it has been very difficult to earn more than 30,000 points per quarter. However, the emergence of pay.com virtual Visa cards – which I described in detail here – means that it is suddenly something that a lot of people could achieve relatively easily.
Last week I had a worrying email from reader Simon.
Simon had a substantial VAT bill to pay – almost £20,000. pay.com cards were freely available where he lived, and he bought as many as he could over the last few weeks. He ended up with 65,000 Clubcard points.
Just a few days before balances were zeroed out last week, he noticed that his balance had dropped to exactly 30,000 points.
When he rang Tesco to ask what had happened, he was informed that Tesco was imposing the 30,000 points per quarter cap that was outlined in the terms and conditions for the Clubcard scheme (clause 24 if you want to look it up). It was not willing to give him any further information.
There is very little that Simon can do. The rules are the rules. It is difficult to claim he was ‘abusing’ the scheme – buying the pay.com cards meant that he could pay his VAT bill with a credit card whilst avoiding the HMRC 1.4% surcharge, which seems a good enough reason to buy the pay.com cards. Unfortunately, he has fallen foul of Tesco’s ‘catch all’ rule to weed out what it sees as bad behaviour.
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How to earn Avios from UK credit cards (July 2025)
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 Mastercard
Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review
Barclaycard Avios Mastercard
Get 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 Card
30,000 Avios and the famous annual Companion Voucher voucher Read our full review
British Airways American Express Credit Card
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 Credit Card
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
50,000 bonus points and great travel benefits – for a large fee Read our full review
Run your own business?
We recommend Capital on Tap for limited companies. You earn points worth 0.8 Avios per £1 on the FREE standard card and 1 Avios per £1 on the Pro card. Capital on Tap cards also have no FX fees.
Capital on Tap Visa
NO annual fee, NO FX fees and points worth 0.8 Avios per £1 Read our full review
Capital on Tap Pro Visa
10,500 points (=10,500 Avios) plus good benefits Read our full review
There is also a British Airways American Express card for small businesses:
British Airways American Express Accelerating Business Card
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.
The American Express Business Platinum Card
50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review
The American Express Business Gold Card
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.
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