Maximise your Avios, air miles and hotel points

You can now spend £500 of Nectar points (62,500 Avios) at Argos and Habitat

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Back in March, we wrote about an increase in the number of Avios / Nectar points that you could spend in one go at Argos and Habitat.

It seemed that Nectar had jumped the gun, however. Whilst it was promoting a new £500 cap, the Argos website still said £200. It turned out that the company had not fully completed the task of updating all its tills and the website.

It now seems to be working. Both Argos and Nectar are saying that you can spend 100,000 Nectar points (£500) in one transaction at Argos or Habitat, instead of £200.

Nectar Avios light

For HfP readers with large Avios balances, could be very attractive.

You can now convert 62,500 Avios into 100,000 Nectar points and spend them on a £500+ item at Argos or Habitat.

This is potentially a good way to, for example, pick up a new iPhone 12 minisee here at for £624.

Remember that the maximum monthly transfer of Avios to Nectar points is 50,000 Avios. If you do want to make a major purchase at Argos you will need to move 50,000 Avios by Monday, in May, and the rest on 1st June.

Avios to Nectar transfers are currently only possible by telephone whilst ‘two factor authentication’ is added to the website. You are told to wait 10 days for the transfer to be processed – many are quicker but some readers are also reporting them taking longer.

Argos will be better value for some people than Sainsbury’s

Whilst a Nectar point is worth the same 0.5p at Sainsbury’s, Argos or Habitat – or indeed eBay, Eurostar or various other partners – some readers felt that you weren’t getting ‘true’ value at Sainsbury’s.

True or false, some people see Sainsbury’s as overpriced or poor value for money compared to Waitrose at the higher end or Aldi / Lidl at the lower end.

You can’t say that about Argos which is well known for its competitive pricing, and of course convenience.

Can I use Nectar points for online shopping at Argos?


You need to go to this page of the Argos website and link your Nectar card to your Argos account.

You will then be offered the opportunity to pay with Nectar points during checkout. You can top up your purchase with a credit card as usual, although you cannot pay the balance with an Argos gift card.

As we found out when buying a new monitor for my wife’s home office last year, Argos has a very efficient ‘click and collect’ service. Many items are available for next day collection from your local Sainsbury’s store, including Sainsbury’s Local.

Can I use Nectar points for in-store shopping at Argos?

Yes. You can swipe your Nectar card, or scan your Nectar app, at the till and pay any remaining balance separately.

The Argos website now reflects the £500 limit

This page of the Argos website explains how the Nectar deal works. It is also where you need to go to link your accounts.

It now shows that the maximum Nectar spend is 100,000 points (£500) per transaction. If you look on the Nectar website here it also says, in multiple places, that the cap is now 100,000 points (£500) per transaction.

The Argos home page is here if you want to have a look around for ideas.

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 (41)

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

  • The Urbanite says:

    Argos are selling Bose 700s for £349.95. John Lewis are selling the same product for £229, Currys for £279 and even Bose themselves are selling for £304.95. Even with the Nectar payment option I’m unimpressed with Argos being so out of step.

    • Andrew says:

      You will always be able to find a specific item with a price variance that isn’t in your favour.

      Let’s face it, find someone whose employer doesn’t offer a generous discount at Bose.

    • cinereus says:

      It’s always out of step if you bother to shop around so it’s bemusing to suggest Argos is “well known for its competitive pricing”. And ebay is almost always superior anyway plus obviously has far more choice.

      • Rob says:

        These are pointless statements though. When it was bought by Sainsburys in 2016 it had sales of £4bn, which as this is ex-VAT means around £5bn at the headline level. This is £75 per year for every man, woman and child in the UK. Clearly the buyers of almost £5bn-worth of stuff thought it was decent value, or that the service / delivery / value trade off made sense.

  • Char Char says:

    FYI the Aavios to nectar phone line is usually open on Bank Holidays (done twice now)

  • Sam G says:

    I’ve kitted out a holiday home and my partially my own home having moved back to the UK and find the Sainsbury/ Argos homewear ranges pretty decent, also good for pillows duvets etc. Their click and collect options are good and usually you can get a same day delivery for 4 quid whereas the Amazon same day range here seems very limited.

    I find them not so competitive on electronics particularly and usually can be better by eBay if you’ve got the time to wait / aren’t impatient like me…

  • Luca says:

    Can you buy amazon gift cards with nectar points?

  • PJJ says:

    anyone use Nectar hotels ?
    You can earn and spend your Nectar points
    Ok, you lose on status
    Looks like it’s backed by Rocketmiles

    • Rob says:

      Better off using Rocketmiles and taking Avios (or Heathrow Rewards and convert).

  • Andrew says:

    Heavily promoted on the App. I did well with it last time.

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

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