Free Avios with 3V Virtual Visa – our list of places where you can use the card
Links on Head for Points may support the site by paying a commission. See here for all partner links.
My article last week on buying the fee-free 3V Virtual Visa giftcard in Tesco has attracted a huge number of comments, over 170 at the time of writing.
(If you missed the original post, you can buy 3V Virtual Visa cards in Tesco for £50, earn 150 bonus Clubcard points – 360 Avios points – and then use the cards to pay off online bills where only debit cards are accepted. My main 3V Virtual Visa article is here.)
I have been through all of your comments on 3V cards. Here is a list of places where they definitely can and cannot be used online:
Works fine:
Amazon (Amazon sells online gift vouchers from 10p. Ordering a voucher to be sent to yourself is a great way to empty your 3V card if you have a small balance left. You can then add your gift voucher to your Amazon account as a credit, and it will be used next time you order. If you use our Amazon link here, Head for Points gets a commission when you order a gift voucher.)
Barclaycard (works to settle Priority Club and Hilton HHonors credit cards, does not appear to work with standard Barclaycard bills)
Council tax (varies by authority, of course, but most accept debit cards these days)
EDF
E.ON
Freemans
Hargreaves Landsown
highstreetvouchers.com (lets you use the cards for a wide range of vouchers eg John Lewis)
HMRC (treated as a debit card so no 1.4% fee to pay)
Next (to pay off account balance, although you can also use Next gift cards from Tesco for this)
Npower
O2
Orange
Sky (Sky also lets you prepay online, using that balance up before recommencing your normal direct debit)
South West Water
TalkTalk
Virgin Media
With caveats:
Scottish Power (will take it but treat it as a credit card with a 1.4% fee)
TV Licence (cannot split payment, so would need to pay the £1.75 per card transfer fee to move £150 onto one 3V card)
Does not work:
American Express (to pay bill)
British Gas
MBNA credit cards (to pay bill)
Scottish Gas
Selftrade
Tesco online shopping (surprised by this, any other reports?)
Tesco savings account (when depositing using a debit card)
Please continue to add your own experiences with utility companies, credit card companies etc. We know that they should work as ‘normal’ with online retailers so that is less important unless there is a special tweak involved. Other ideas apart from Amazon for cashing out very small remaining balances are also welcome.
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.
Comments (129)