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The nectar card is the loyalty card associated with Sainsbury's, however it has since branched out and is affiliated with many companies which allows for maximum point collecting!
Let's start with the basics, you get 2 points per pound spent at Sainsburys or 1 point per litre of petrol bought at the Sainsbury's petrol garage. Each point accumulated is worth half a penny, so you need 2 points to equal 1 pence. If you redeem your points in store at Sainbury's then you will need minimum 500 points for £2.50 off o your shopping. Points need to be redeemed in increments of 500.
Points can also be collected in other stores, for example Dolland and Aitchinson also give 2 points per pound, as do Homebase. As far as I am aware however, you cannot redeem your points against your total bills in these stores.
Points can also be collected with the home energy supplier EDF, I believe that when I was with them I received 50 points per bill rather then an amount allocated based on total amount of the bill, so quarterly I received 50 points.
A further way to collect points is by recycling your old mobile phone with Nectar, points vary dependant on model. This can be done via the website, nectar.com
Moving on to nectar.com this website goes hand in hand with you managing your nectar account. By registering with this website with your nectar card you can view your total points as well as earn nectar points shopping online. This is similar to the way a cashback website works for those of you familiar with such sites. The basic premise is that you first visit nectar.com, click through to the online site you want to shop at and then you shop as usual but earn nectar points on your total spend. To be honest I prefer to use topcashback for my online purchases as you receive money in cashback rather then points. The most useful part of the nectar online programme however is that you can earn points when shopping with amazon, whereas you cannot earn cashback with amazon on any other cashback sites (that I am aware of).
A few of the companies you can earn nectar points online with are:
Argos Play.com Vodafone Virgin Mobile Lovefilm Waterstones Avon New Look
And many more....
Overall this is a worthwhile card to have as if you ever shop as Sainsbury's, buy petrol at Sainsbury's or BP or shop at any of the online retailers then it's worth signing up. Using the online website you can also redeem your points for products rather then for money off your shopping at Sainsburys. A full list of items which you can get for trading in points can be found one www.nectar.com
Overall I will give this card 4/5 because it is partnered with so many retailers that collecting points is very easy to do with your everyday shopping. I would recommend however that before using it with online retailers I would compare the points value with the cashback you could receive from other cashback sites such as topcashback.co.uk