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If you have a Nectar card, are you making the most of your points?

If you shop at Sainsbury’s you may as well collect the points. Unlike Clubcard and other loyalty schemes, you can rack up points at other retailers including Argos.

And if you’ve got points, you’ll need to spend them. Most of the time they’ll be exchanged at face value, though you can also swap them for Avios points.

In this article, we’ve explained how Nectar works and how you can sign up, plus we’ve shared more tips for both collecting and spending Nectar.

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How Nectar points work

One Nectar point is worth 0.5p, meaning if you earn 1 point from a purchase it’s the equivalent of 0.5% cashback. 100 points are therefore 50p, 200 points £1 and so on.

This is half the value of a Tesco Clubcard points. We’ve written more extensively about the value of different points in this loyalty cards article.

Value of Nectar points

• 1 Nectar point = 0.5p
• 2 Nectar points = 1p
• 100 Nectar points = 50p
• 200 Nectar points = £1
• 500 Nectar points = £2.50
• 1,000 Nectar points = £5
• 2,500 Nectar points = £12.50
• 5,000 Nectar points = £25

How Nectar works

Nectar is the loyalty scheme for Sainsbury’s and Argos. It’s actually owned by Sainsbury’s, though points can be collected and redeemed with other brands.

How to collect Nectar points

You earn points when you shop at participating retailers. We’ve listed the best places to earn Nectar points below.

When shopping in stores you’ll need a Nectar card, which can be a physical plastic one or a digital one stored on the Nectar app. Online you’ll need to either connect your Nectar card to the relevant account, or shop via the Nectar website.

You can also earn them on all spending via a couple of Nectar credit cards, or by converting Avios points.

How to spend Nectar points

Your options for using Nectar points are quite limited. It’s most likely you’ll use them in-store at Sainsbury’s and at a handful of partners.

Most of the time you’ll swipe your card to redeem your points in-store, or select to use them online. With some partners you need to convert your points into vouchers. You can also swap them to Avios points.

How to sign up to Nectar

You can get a Nectar card online, via the app or by picking up a form in a Sainsbury’s store.

Once you’ve done this a physical card will be posted out, though you’ll have a digital card via the app straight away.

How to check your Nectar points balance

Not sure how many Nectar points you have? The Nectar app and website both contain your current points total, as well as a record of where and when you earned your points.

How to lock your Nectar points

One downside of Nectar has been if someone stole your card they could use your points – particularly bad news for those who’d earned tens of thousands of points via credit card welcome offers. Well, now you can lock your points to ensure they can’t be used without your authorisation.

To do this you need the latest version of the app.

• You’ll then see your points balance near the top of the app screen, and below that a line telling you whether the points are locked or unlocked
• Tap this to bring up a locked/unlocked switch
• Toggle between these for when you want to use your points
• It should unlock immediately, but it’s worth doing it a little before you want to spend the points to be safe rather than wait until you’re at the checkout

This feature will only work for the main account holder, not additional card holders.

The best places to collect Nectar points

Sainsbury’s

Earn points as you spend

You’ll get one point for every £1 spent at Sainsbury’s. 500 points are worth £2.50, so this works out at 0.5%.

Swipe at the till to get your points, and keep an eye on the app or digital account for special offers which boost the number of points you’ll get.

You might also get vouchers for extra points at the till, sometimes double or triple points on your next transaction. If you can be bothered to buy a single, cheap item at the start of your shop, you should then get any vouchers printed out ready for you to use on the rest of your shopping.

Get bonus points via weekly offers

As well as generic offers, you’ll also get ones tailored to your shopping habits. These change every Friday.

You have to save the offers to your account, though there’s a handy “save all offers” button. And of course you still have to scan your card at the till.

Nectar Prices

Nectar Prices are discounts for Nectar holders, similar to Tesco Clubcard prices. To get these, you just shop as normal, looking out for the Nectar price on the shelves. At checkout, you need to make sure you remember to scan your Nectar card and the discount will be applied. You can read more about Nectar Prices here.

Your Nectar Prices

This seems like it’s the same as above, but Your Nectar Prices is specific to you. These come through weekly and will be based on your shopping history, potentially saving you money on things you’ll actually buy. There are only a few offers each week, but it’s worth having a peek when you get the notification.

Argos

You can also earn points at Argos. It’s one point per £1 spent, though it’s occasionally doubled. You’ll need to link your Nectar and Argos accounts.

ESSO

Esso replaced BP on Nectar back in 2019. You can earn 1 point per litre of fuel, or swipe in-store to get two points per £1 spent on other things, so roughly 1% back in points. When you get to 300 points it gets you 5p off every litre of fuel.

Avios

You can convert 400 Avios points to 400 Nectar points, which is handy if you’ve got a surplus of Avios points that you won’t use. You can also swap them back the other way (you’ll only get 250 points though). This is also a way to boost the value of Amex Reward points. Find out everything you need to know in our step-by-step guide to convert Avios to Nectar points and vice versa.

Via Nectar credit cards

If you shop at a Nectar store a lot, it might be worth getting a Nectar credit card. There are two main options.

The American Express Nectar credit card is your best bet and will earn you up to two points for every £1 spent, worth 1%. There’s also a bonus worth £100 pounds when you first sign up and spend £2,000.

If you’re thinking of getting a Nectar credit card, check out our guide to the best cashback and reward credit card promotions to see if there are better options for you.

Via Amex membership rewards

You can convert American Express Rewards points to Nectar points at a value of one to one, meaning one Amex point would be worth 0.5p. This could be a good use for large Amex welcome bonuses, which can be worth between £100 and £500, depending on the card.

Via utilities & insurance

You can earn bonus points for signing up for other Sainsbury’s Bank products such as home insurance and also Sainsbury’s Energy. Though they could be worth it, these offers shouldn’t be a reason to choose Sainsbury’s over other providers as they could work out more expensive than options you find via a full comparison.

Other retailers

You’ll see many other brands listed on the Nectar website, such as Expedia and Very. To earn points via these retailers you have to click through via the Nectar portal. Most of the time you’ll get two points per £1 spend, so the equivalent of 1% back, but they can be more or less and there are often boosted points offers.

Retailers include:

• ASOS
• Just Eat
• Expedia
• Groupon
• Europcar
• Very
• Dominos
• Wayfair

These extra places to earn points might sound appealing but I would avoid using them since you can usually beat these rates by clicking through a cashback site instead. Here’s our guide to the best cashback sites and welcome bonuses.

Where to spend Nectar points

Caffe Nero

The Caffe Nero offer is pretty decent compared to other Nectar partners. Currently, 400 points (worth £2) can be exchanged for a free hot drink (which costs around £3 or more).

That works out to about 0.81p in Nectar points for a regular Americano priced at £3.25, which is much higher than the standard 0.5p per point offered at other retailers.

At the current redemption rate, as long as the drink you buy is priced at more than £2 you’re getting better value than using points at other partners.

This partnership ends 18 August 2025.

Sainsbury’s shops

To use your points in Sainsbury’s stores you must have used your Nectar card in that specific store in the last year. You can also use them online on the Sainsbury’s website.

They can also be used on petrol but you have to pay in the kiosk, not at the pump.

Argos

You can use multiples of 500 points at Argos, each worth £2.50. To spend them in an Argos store you swipe your card; online you must have connected your card.

Converting to Avios points

We think that most people are better off using cashback credit cards and air mile reward credit cards. You’ve got the flexibility to use your earnings how you want, and not be restricted to certain flights.

However, if you are an Avios fan, then you can boost your points by converting 400 Nectar points to 250 Avios.

Donate to charity

Nectar Donate allows you to give your points to charities using Crowdfunder. The points are worth the same as usual, so 1,000 points will be a £5 donation. There’s a minimum of 200 points, and it must be in multiples of 200.

Other Nectar points redemptions

There are a fraction of the partners you get with Tesco Clubcard, and few opportunities to boost the value.

Once more 500 points are usually worth £2.50. You also have to spend them in chunks (usually 500 points or 1,000 points) rather than choose how many you’d like to use.

For example, you can exchange 2,000 points for £10 off purchases at Eurostar.

Poor options include swapping for movie rentals at Sky Store since you can get far cheaper rentals elsewhere. We’ve summarised the cheapest ways to rent movies here.

Some of these retailers let you swipe your card or link your card to use points. Others require you to exchange the points for a voucher or code via the Nectar website.

Nectar points special offers

Occasionally, there are increased points offers at Sainsbury’s and other partners, both to earn extra points and sometimes (though more rarely) to use them.

You can usually find these in the Nectar app and website, so it pays to check every now and again.

When we spot any really good ones we’ll share them on our loyalty scheme offers page.