Maximise your Avios, air miles and hotel points

Get 2,400 Avios or 2,500 Virgin Flying Club miles with the FREE Tesco Mastercard credit card

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If you are looking for a way to give your Avios or Virgin Flying Club account a little free boost this Spring, this deal is worth a look.  I mentioned it briefly in my Avios credit card write-up yesterday but I thought it was worth a full article.

Tesco Bank is offering a rare sign-up bonus worth 2,400 Avios on the FREE Tesco Clubcard Mastercard. 

This deal is not being heavily promoted on the Tesco Bank website and only applies to one of the 10 versions of the card.  This is the link you need.

This version of the card has a representative APR of 18.9% variable.  There is no annual fee.

If you apply via the link above, you will receive a bonus of 1,000 Clubcard points when you make your first purchase or make a balance transfer within two months of receipt.  This is worth 2,400 Avios or 2,500 Virgin miles.

There are a number of different versions of the Tesco Clubcard Mastercard available.  The 1,000 points is only available with the ‘purchases’ version linked to here.  This also get you 0% interest on new purchases for up to 20 months.

What is your day-to-day earnings rate?

The Tesco Clubcard Mastercard is the most generous FREE Visa or MasterCard for earning Avios points unless you qualify for HSBC Premier.

The earning rate is one Clubcard point per £8 spent.  The ‘per £8’ is on a transaction by transaction basis and rounded down.  A £7.99 purchase earns you nothing.  A £15.99 purchase only earns 1 point.

This means that you receive:

0.125 Clubcard points for £1 which is 0.3 Avios points per £1 spent

When used in Tesco, you get 0.25 Clubcard points per £1, which is 0.6 Avios per £1 spent

The earning rate, before adjusting for rounding, is higher than the Lloyds Avios Rewards Mastercard – which, in any event, is no longer accepting new applicants.  The Lloyds card gives you 0.25 Avios per £1 and has a £24 annual fee.

This card is NOT a good way of earning Virgin Flying Club long term.  You are substantially better off with the new free Virgin Reward Mastercard which earns 0.75 miles per £1.  You can apply for the new Virgin credit card here.

The sign-up bonus is OK

Whether or not you decide that this is your best option for day-to-day Visa or MasterCard spending, you may want to get one purely for the sign-up bonus and the ‘0% interest on new purchases for up to 20 months’ deal.

1,000 Clubcard points are worth 2,400 Avios points or 2,500 Virgin Flying Club miles.

It is not a life changing amount, but still not a bad bonus for a free credit card application.

If you take advantage of the 0% interest deal, you won’t be too bothered about the low Avios earning rate anyway.  The real value in a 0% on purchases deal is to spend up to your credit limit, put enough money in a high interest bank account to cover the bill, hide the card in a drawer and then settle the bill just as the 20 months interest free period is about to end.

best travel rewards credit cards

Want to earn more points from credit cards? – July 2024 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current 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

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

Marriott Bonvoy American Express

20,000 points for signing up and 15 elite night credits each year Read our full review

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

British Airways American Express Premium Plus

30,000 Avios and the famous annual 2-4-1 voucher Read our full review

The Platinum Card from American Express

40,000 bonus points AND (to 27th August) £400 to spend at Amex Travel Read our full review

Virgin Atlantic Reward+ Mastercard

18,000 bonus points and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

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

Capital on Tap Business Rewards Visa

10,000 points bonus – plus an extra 500 points for our readers Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback Business Credit Card

1% cashback uncapped* on all your business spending (T&C apply) Read our full review

Comments (22)

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

  • karen green says:

    Its only offering 1000 points when I click through

    • Tony says:

      That’s correct. The offer is for 1000 Clubcard points which you can convert to 2400 Avios/2500 Virgin miles as Rob’s article states.

    • Geoff says:

      Any chance you could be bothered to read the six sentences that start the article? Raffles…. What have you done? :o)

  • Alex W says:

    Good point about the 0% interest. Can’t understand why that was never emphasised for the Lloyd’s Avios card, which had 29 months interest free on purchases.

    • Peter K says:

      Because most people wanted the upgrade voucher which required £7k of spending per year most likely.

      • Alex W says:

        No reason why you can’t earn the voucher and use the interest free purchases at the same time. In the 2nd year (6 months minimum from taking out the card) ask for a credit limit increase if you’re reaching the limit.

  • Drolma-la says:

    If I were to cancel the Tesco MasterCard I picked up on a similar deal 18 months ago, how long would it be before I could apply for a new one?

  • mark2 says:

    Letter just received from MBNA advising that Virgin co-brand coming to an end. Further information by 15th June.

    • Jonathan says:

      Me too, but i thought it was very badly worded. It effectively says nothing is changing (but I assume that’s only between now and 15 June) and they’ll contact us nearer the time with more details.

      • Catalan says:

        I received my letter this morning and found the wording slightly misleading in that it gives the impression it’s business as usual when we know very well it isn’t.

        • Rob says:

          Technically it is, because your account continues …. you just get a bland MBNA card and don’t earn miles any longer!

    • Jon says:

      My Virgin MBNA account is showing up some rather long balance transfer deals -0% until October 2020 with 4% fee. Think their logic is to get people transferring large balances across to stop them closing the card.

  • Anna says:

    I might be missing something but it’s not clear what the deal is for balance transfers? This would be my preference as I put my spend on better earning cards.

    • Lumma says:

      It’s 0% for 3 months on this card for balance transfers. It says in the PDF at the bottom of the Tesco page

  • JohnT says:

    Is it this same Credit Card that gets you more Tesco clubcard points if you scan it instead of the Clubcard tag (was it to do with Petrol – lost track of original article?)

    • Anne says:

      It is – 1cc point per £ on fuel instead of 1cc point per £2. I signed up for this card a few weeks back when Tesco emailed me the offer and the extra points on fuel are posting fine.

  • Johnny Tabasco says:

    Got the MBNA letter too.
    Incidentally has anyone received the sign up bonus for the new Virgin cards yet, in fact has anyone had ANY points posted from the new cards yet?!

    • johnny_c-l says:

      I had my statement yesterday and the points, including bonus were on there. Just checked award wallet and they’ve posted today so seems very straightforward with Virgin.

    • TGLoyalty says:

      Yep as above had them in my account 2 days before statement

  • Genghis says:

    I mentioned this too but my comment was deleted. Also comparison to Tesco debit.

    Rob, are you being a naughty boy and not giving the full facts?

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

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