TopCashback now paying in Tesco points – a gamechanger? (Part 1)

First, a (sort of) apology for being a week or so late in writing about this.  Blame the holiday plus the launch of the new site.  This has, however, allowed me to draw on quite a lot of experimental data from other people to present some good suggestions.

So, what is all the fuss about?

For a long time – I have been a member since 2006 – Quidco has been the UK’s leading cashback site for online shopping.  It was reliable and it had good customer service.  Only the £5 annual fee counted against it, but that did pay for a responsive customer services team.

TopCashback launched a few years ago and has been making aggressive strides in the market.  Most in the industry expect it to overtake Quidco at some point.

Historically, TopCashback had three benefits over Quidco:

• It paid 1% more on all sales (ie £1.01 instead of £1 – not a great improvement)
• There was no £5 annual fee (although, when you earn £500 a year as I do, saving £5 is not a major reason to move)
• You could withdraw money as soon as it was received (although Quidco pays fortnightly, and the £1 minimum is not a major barrier)

For a lot of people, including myself, it wasn’t worth the trouble of moving from Quidco.  Now, though, TopCashback has rolled out a new feature which, frankly, makes a massive difference:

TopCashback will now pay your cashback into your Tesco Clubcard account.

This dramatically increases the value of TopCashback cashback versus Quidco. Let’s assume that you value an Avios at 1p.  This means that £10 of cashback, when transferred to Tesco Clubcard, is worth £24 of Avios.

If you assume that Tesco will have another 40% bonus on transfers to Avios at some point, your £10 of cashback would get you £34 of Avios.

(Put another way, TopCashBack allows you to ‘buy’ up to £50-worth of Avios for 0.42p each, each year.  If you assume there will be a 40% conversion bonus, it is letting you buy £50-worth for 0.3p each!).

In reality, you will receive even more Avios than I indicated above, because TopCashback gives you a 5% bonus on top of your cashback if you agree to transfer it to Clubcard.  (In reality, they could have offered 5% less and it would still be a great deal!)

There are very few conditions, except:

You are capped at £50 per year (a year runs from the date of your first Tesco transfer, not the calendar year or from the date you joined)

You can choose for each individual transaction whether it is paid to you as cash or paid into Clubcard.

As you cannot split up each individual transaction, do NOT do a transaction that earns you more than £50 cashback, as it is impossible to split it to send £50 to Clubcard and the rest to your bank account.

TopCashback accounts are strictly limited to one per person.  Extra TCB accounts at the same address would require separate Clubcards.  It is not yet clear if the Clubcard name must match the TopCashBack account name.

How do I join TopCashback?

Use this link here, please!

TopCashback offers a £5 referral bonus if you refer a friend, payable when your friend earns over £10.  The link above includes my referral code.

I am grateful to anyone who chooses to help support the blog by using this link.  You will not get a better deal if you sign-up directly on the TopCashback website.  Thank you!

What’s next?

Nothing stops you opening a TopCashback account now and using it for your day-to-day online shopping instead of Quidco.

In Part 2 of this article, I look at some of the sites that can help you earn the £50 as quickly as possible, with the minimum cost and effort.

PS. If you are not a regular Head for Points visitor, why not sign up for our FREE weekly or daily newsletters? They are full of the latest Avios, airline, hotel and credit card points news and will help you travel better. To join our 65,000 free subscribers, click the button below or visit this page of the site to find out more. Thank you.

How to earn Avios from UK credit cards (April 2025)

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 Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios Mastercard

Get 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

30,000 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.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on the ‘free for a year’ American Express Preferred Rewards Gold card is increased from 20,000 Membership Rewards points to 30,000 points. Points convert 1:1 into Avios (30,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on American Express Platinum is increased from 50,000 Membership Rewards points to a huge 80,000 points. Points convert 1:1 into Avios (80,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large 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, and the standard card is FREE. Capital on Tap cards also have no FX fees.

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

There is also a British Airways American Express card for small businesses:

British Airways American Express Accelerating Business

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

50,000 points when you sign-up 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.