Clubcard, Nectar, Boots Advantage - most of us are sitting on a pile of loyalty points. But what are they actually worth in pounds, and should you spend them now or save them for a bonus event? Enter your scheme below and find out.
Your loyalty scheme
When you spend the points
Example: £10 of Tesco Clubcard vouchers can be worth £20 to £40 with Rewards partners, and Nectar runs double-up events on selected categories.
Your balance is worth
At Face Value
Bonus Uplift
What you earn
Points per month:
Value per month:
Effective cashback:
Reaching your goal
Tip: Points are only worth what you can swap them for, and most schemes wipe points after around two years of account inactivity. Keep the account alive with an occasional small purchase, and never let points tempt you into buying things you would not otherwise buy.
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