If you have a Nectar card, are you making the most of your points?
If you shop at Sainsbury’s, you’ve probably got a Nectar card, and may even collect the points every time you visit without thinking much about it. And if you’ve been collecting points, you’ll need to spend them to get the most out of your rewards. But do you know how to use your Nectar points?
Unlike Clubcard and other loyalty schemes, you can rack up points at other retailers, including Argos. When it comes to redeeming points, you can spend them when shopping, exchange them at face value, or even swap them for Avios points.
In this article, we’ve explained how Nectar works and how you can sign up. Plus, we share tips for both collecting and spending Nectar.



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What is the Nectar loyalty scheme?
Nectar is the loyalty scheme for Sainsbury’s and Argos, where you can earn points on your purchases. It’s actually owned by Sainsbury’s, though points can be collected and redeemed with other brands. As a member of Nectar, you can also access discounts on specific items when shopping, a bit like Tesco Clubcard Prices.
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 equal £1 and so on.
The value of different loyalty card points varies quite a bit, with Nectar points equating to half the value of Tesco Clubcard points. However, when redeeming Nectar points at other participating retailers, you could get more value out of them – so it’s worth keeping an eye out for the latest deals.
Nectar points value conversion
- 1 Nectar point = 0.5p (or half a penny)
- 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 to collect Nectar points
You earn points when you shop at participating retailers and scan your Nectar card. Bonus points can be earned at specific retailers or through special deals and promotions.
To collect Nectar points when shopping in stores, you’ll need a Nectar card. Your card can be either a physical plastic one or a digital one stored on the Nectar app. When shopping online, you’ll need to either connect your Nectar card to the relevant account or shop via the Nectar website.
You can also earn when spending via Nectar credit cards, or by converting Avios points into Nectar points.
How to spend Nectar points
Your options for using Nectar points are more limited than other reward schemes. You can use them in-store and online, such as at Sainsbury’s, to donate to charity, or spend them with a handful of partners.
To redeem your points, you’ll need to swipe your card or scan the app in-store, while you can select to use them online. With some partners, you’ll need to convert your points into vouchers first. You can also swap them for Avios points.
How to sign up to the Nectar scheme
The Nectar loyalty scheme is free to join. You can get a Nectar card online, via the app, or by picking up a form in a Sainsbury’s store.
Once you’ve got set up, a physical card will be posted out, though you’ll have a digital card to use via the app straight away.
8 places to collect Nectar points
1. 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% cashback.
Scan your Nectar card 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 doubling or tripling points on your next transaction, it’s just a matter of remembering to bring them to your next shop. If you wanted to, you could even buy a single, cheap item at the start of your shop to use any vouchers printed out 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.
Your Nectar Prices
This sounds like it could be the same as Nectar Prices above, but Your Nectar Prices are 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.
2. 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 before you can earn points.
3. 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.
4. 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.
5. Via Nectar credit cards
If you shop at stores that are part of the Nectar scheme often, it might be worth getting a Nectar credit card.
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 when you first sign up and spend £2,000.
If you’re thinking of getting a Nectar credit card, check out our best cashback and reward credit card promotions to see if there are better options for you.
6. 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.
7. Via utilities & insurance
You can earn bonus points for signing up for other Sainsbury’s Bank products such as home insurance, as well as 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.
8. At 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% cashback, but they can be more or less. There are often points boosting offers to look out for.
Participating Nectar 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 for a better bonus.
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Where to spend Nectar points
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, simply scan your card. To spend online, you must have connected your card to your Argos account.
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 ways to redeem Nectar points
Nectar offers just a fraction of the partners you get with Tesco Clubcard, and fewer opportunities to boost the value. Some 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.
Spending your points isn’t particularly flexible or as straightforward as you might think. To recap, 500 points are usually worth £2.50. You also have to spend Nectar points 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. Other poor options include swapping for movie rentals at Sky Store since you can get far cheaper rentals elsewhere. There are much cheaper ways to rent movies out there, so don’t rely on Nectar to save you lots of cash.
Nectar points special offers
Occasionally, there are offers that increase your points at Sainsbury’s and other Nectar partners, both to earn extra points and sometimes (though more rarely) to use them.
You can usually find any points offers in the Nectar app and website, so it pays to check every now and again, before your weekly shop, or when you’re looking to save a little extra.
When we spot any really good Nectar points deals, we’ll share them on our loyalty scheme offers page.
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 in the past was that anyone who found or stole your card could use your points. This was particularly bad news for those who had earned tens of thousands of points using credit card welcome offers. Earlier this year, Nectar introduced a feature that lets you lock your points to ensure they can’t be used without your authorisation.
To lock your Nectar points, you’ll need the latest version of the app.
- Log in and you’ll see your points total 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 cardholders.