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Nectar Connect is growing on me, because it doubles up with Amex cashback offers

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Nectar has a ‘card linked offers’ programme called Nectar Connect.

This allows you to earn Nectar points (and therefore Avios) when you link your credit and debit card details to your Nectar account and spend at participating retailers.

What is good about Nectar Connect is that it doubles up with other deals, such as American Express statement credit offers. I am finding this increasingly valuable.

Nectar Connect cashback rewards how it works

We wrote a long introductory article on Nectar Connect here. The reason we don’t cover it more is that, if you read the small print, you are required to give Nectar a huge amount of access to your financial data.

Nectar accesses the transaction history on your linked cards

To quote from the T&C:

“After you link your payment card account(s) to Nectar as part of Nectar Connect we receive between 6 to 36 months of your historical transaction data, depending on your payment card.”

Nectar will NOT just be using your card data to award you points from participating retailers.  It will be actively mining all of your credit card spending information to find ways of pushing new deals at you.

The only upside is that, under FCA rules for accessing such a level of data, you need to renew your permission every 90 days. If you connect your cards to take advantage of a one-off offer, you don’t need to worry about Nectar having access your spending data until you die (or your card expires).

If you are concerned about Nectar harvesting your financial data, you could register a credit or debit card that you rarely use. However, you’d be missing out because the real value – at least for me – is doubling up on American Express offers.

Nectar Connect cashback rewards

If you are not a Nectar Connect member already, you need to know two things:

  • you cannot see your offers until you have registered a payment card, so you have to give up your financial history before you find out what offers you will get
  • offers do not appear immediately after registration – you need to wait a couple of days for Nectar to analyse your card data first

(EDIT: Nectar Connect seems to be throwing up an error message today when people try to link new American Express cards.)

I got a good result with LNER last week

The reason I am mentioning Nectar Connect today is that I have had a good couple of weeks in doubling up with American Express cashback deals.

Last week I had to spend £201 with Grand Central trains. I booked this via the LNER trains website because:

  • I had a 12% LNER cashback deal on my American Express Platinum card
  • I was offered 10 Nectar points (6.25 Avios) for every £1 spent at LNER via Nectar Connect

Because I redeem 100% of my Nectar points at Caffe Nero, where I get 0.9p per Nectar point (350 Nectar points gets you any drink), I value 10 Nectar points at the equivalent of 9% cashback. This means that I got a total of 21% back on my LNER spend – 12% via Amex and 9% via Nectar.

The rewards have already posted on both cards: £24.12 from Amex and 2,010 Nectar points.

You can combine Nectar Connect with Amex offers, but not necessarily other payment cards

You can be certain, because of the way that American Express sets up its cashback deals, that you will always be able to double up an Amex offer with a Nectar Connect offer if there is one.

This is not necessarily the case with other credit card offers. If you have a cashback deal on your Virgin Atlantic card, for example, it may cause ‘offer clash’ with a similar Nectar Connect offer. Most of the schemes are run by the same company behind the scenes and a merchant will only pay them once on any transaction. This ‘clash’ is one of the biggest issues facing the card linked offers sector, because people are not being paid out for offers they think they are entitled to receive.

Use an American Express cashback offer alongside a Nectar Connect offer and you should be perfectly fine.


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 (54)

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

  • truthbetold says:

    can someone post some typical ongoing Nectar Connect offers. NOT the regular App offers. Trying to see why this may be a good idea once AMEX connection is up again

    • Rob says:

      It’s basically the same as Amex Offers – you’re unlikely to see someone there who has never been on Amex. Ralph Lauren, Apex Hotels, IHG, Paul Smith, Five Guys, LNER, Sweaty Betty etc.

  • Martin says:

    I Have received this explanation and update from Nectar CS on the Nectar Connect AMEX issue, seems the fix will not be instant 😟

    “ Thanks for contacting us regarding being unable to link to Nectar Connect with your American Express card.

    Amex has made a breaking change to the way in which customers grant permissions.

    The change aligns them with the Open Banking standards set out by the FCA.

    Whilst this is going on, we have temporarily closed the Amex page on Connect, which is why you’re seeing the error.

    We dont have a definitive timescale for it being reopened, but please keep checking in the meantime.

    I apologise if this has caused any inconvenience.

    If you need any further assistance, please contact the Nectar helpline on 0344 811 0 811 (Open Mon- Fri 9am – 5.30pm and Sat 9am – 5pm), or you can speak to us online via our chat service and social media platforms where one of our agents will be happy to help you further.

    Kind regards,

    Kelly

    Nectar Product Specialist”

    • Johnny5a says:

      Thanks for this. I was wondering why I couldn’t reauthorise my cards. I assume if you’re already connected, they’ll honour the points collecting until expiry

  • Martin says:

    I guess so, but other banks still working just fine – but to be safe perhaps link another card. I just did Barclaycard and all good.

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

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