How to earn more AVIOS quickly with Top Cashback

Updated March 2016 to reflect revised information for the Top Cashback store.

Neglected Top Cashback

Oh man I’ve just discovered a new innovative way to earn AVIOS through Top Cashback .

I have resisted using Top Cashback as many of the stores featured are available through the AVIOS store already. It’s not as though I didn’t know the option existed to earn Cashback existed, but I was so hell-bent on earning points that I neglected to look at the detail.

Big Mistake

It turns out that was a whopping mistake as I have probably been missing out on super duper opportunities to earn even more AVIOS. Before I start the self mutilation though, let’s see if I really have been missing a trick! – Top Cashback v AVIOS store bookings made through the AVIOS store now earn 4 AVIOS per pound spent. Thus a booking of £100 earns 400 AVIOS. Not bad hey? on the avios store also features on the Top Cashback site and you can earn cashback at the current rate of 8.4% (without earning hotel rewards) or 6.3% with hotel rewards. This means that the same booking will earn you £8.40 or £6.30 in cashback depending on whether you wish to benefit from hotel rewards or not.

Cashback translates into points at a rate of 1 point per penny so the same booking nets me 840 or 630 points which I can transfer directly to AVIOS.

The conversion rate is 1 AVIOS per penny plus a 5% bonus for conversions over 20p, so through Top Cashback I earn 882 or 661 AVIOS, more than double the amount received through the AVIOS store. Pretty sexy right? on the top Cashback store

No, Wrong! Downright unsexy in fact…

‘Why?’ I hear you cry.

Tesco Clubcard to the Rescue

Well quite simply because you can also earn 1 Tesco Clubcard point for every 1p of Cashback. £2.50 in Cashback would convert into a £2.50 Tesco Clubcard voucher so that same booking could earn you two or three Tesco Clubcard vouchers.

A £2.50 Tesco Clubcard voucher does not translate into 250 BA miles (AVIOS) however. Super sexy alert! It converts instead into 600 Avios. That same 840 points would give you 1800 AVIOS and still leave 90 Cashback points remaining in your account. More than double the simple transfer to AVIOS from Top Cashback and more than quadruple the points from using the AVIOS store. Wowsers! Clever isn’t it?

‘So does this mean I now ditch the AVIOS store?’ I hear you ask. Well no because some of the offers on the store may prove to be more attractive. To work out the best option, for each instance, you are going to have to do a comparison following these steps.

  1. Work out the cash back available
  2. Convert to Cashback points on a 1p to 1 point basis
  3. Convert to Tesco Clubcard points on a 1:1 basis
  4. Divide by 250 to calculate the number of £2.50 Clubcard vouchers your points will earn
  5. Multiply the number of clubcard vouchers by 600 to calculate the total points earned
  6. Check the AVIOS earnings rate available from the AVIOS store. You might find the AVIOS calculator helpful.
  7. Compare the two
  8. Select the best figure

Here’s a handy tool you can use to guide you through the process.

Top cashback processComparing Top Cashback with AVIOS

Lets have a quick look at how the two compare for a number of stores. All these figures are correct as at 7th February and rates do change so please check before deciding which route to use. I have used an example of £100 spend in each case and converted the maximum amount of Top Cashback (£50) possible to Clubcard vouchers.

Sometimes the rates payable from Top Cashback vary dependent on the product bought and the amount spent. The table below assumes the maximum rate is earned each time purely for simplicity. Again, please check before committing.

Top Cashback Earnings Rate  Cashback Earned  Conversion to AVIOS Via Tesco Clubcard  AVIOS Store Earnings Rate  AVIOS Earned through the store  Winner   8.4%  £8.40  1,800  4 points per £1  400  Top Cashback
House of Fraser  1.65% – 4.2%  £4.20  600 6 points per £1  600  Varies
Argos   1.05% – 10.5%  £10.50  2,400 4 points per £1  400  Varies
Thorntons  12.6%  £12.60  3,000 6 points per £1  600  Top Cashback
 Groupon  5.25%  £5.25  1,200 12 points per £1  1,200  Tie
 Hoseasons  5.25%  £5.25  1,200 4 points per £1  400  Top Cashback

Of course there are a ton of stores on Top Cashback which are not on the AVIOS store and then it is a complete no brainer.

Virgin Experience for instance offer 12.6% Cashback currently so a £200 spend would result in £25.20 Cashback which converts into 2,520 points.

That’s ten Clubcard vouchers of £2.50 meaning 6,000 Avios points (or 6,250 Virgin Flying Club points).

Even more exciting is the fact that I can book long haul flights with British Airways after clicking through from the Top Cashback store and earn £7.87 in cashback which I can then convert into more AVIOS to use on British Airways reward flights. Now that is pretty cool.

Top Cashback to the Top deck

Overall though, it seems Top Cashback seems to be the winner! I seriously cannot believe I have only just discovered this. What an awesome way to make your spending for further!

So what you waiting for, if you haven’t already get signed up to Top Cashback and start checking out the deals.

Bag them points and get yourself seats in business class or first for less than the cost of economy.

A few things to be aware of

There are a few things to be aware of with Top Cashback if you want to avoid disappointment.


If you earn £25 in cashback from one store you cannot split this between two redemption means. The whole of the £25 must be redeemed in the same fashion.

If you have £50 in cashback from three merchants, you can elect to payout in three different formats, but 100% of cashback from each store has to be redeemed as one.

Tesco Clubcard Maximum

The maximum you can redeem in Tesco Clubcard vouchers in any year is £50 so the maximum AVIOS you can earn in this fashion is 12,000. This is still better than transferring directly to AVIOS as that would have earned only 5,250 (still pretty cool!) AVIOS but any excess cashback will have to be transferred directly to AVIOS.

If you are a Plus member then there is a £5 annual charge levied when you withdraw your cashback. This is levied the first time you select a payout option and thereafter 100% of all funds are withdrawn without charge.

If you are a Classic member then no charge applies for payouts.

Benefits of Plus

Whilst a charge applies to withdrawals for Plus members, there are benefits of being a Plus member including a 5% bonus on all transactions, enhanced rates and better Tell-a-Friend bonus rates.

Have Your Say

Have you used Top Cashback or the AVIOS store? What has been your experience? Please share your stories below.

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Disclaimer: I receive a small commission if anyone signs up to Top Cashback after clicking these links. These commissions help cover the cost of running the site.

This post may contain affiliate links which pay me a small commission should you click on them and make a purchase. Creating blog content takes up a lot of time including researching, fact checking, editing and more and for very little reward. It would be great therefore if you could use these links if anything catches your fancy. These small commissions help towards the cost of running the site, and the occasional glass of wine.
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About Anne

Anne is the founder and editor of Frommilestosmiles. If she isn't travelling, she is thinking of travelling or planning her next trip. She has visited over 90 countries on six continents and sampled everything from backpacking to bank bursting travel. Her mission is to help you enjoy more luxurious travel without the luxury price tag through the use of airline and hotel rewards and other money-saving travel tips


  1. Hi! Love your blog, is there an avios store here in USA? , How can I join or acquire a tesco club card? pretty new to these stuff. Thank you Anne.

  2. this is one of those good-to-know posts! awesome tips you got there. I will try to research to cashback that is applicable for us asians. Thanks for sharing!

  3. Oh man! I wish we had Top Cashback here in the States. We have Ebates, which is similar, but it seems lie Top Cashback has better rates.

    • Hi Mags, thanks for stopping by. You do have Top Cashback in the States but I don’t believe there is the option to convert to miles. Still it might be worth checking the rates to see how they compare with Ebates.

  4. Since I don’t live in that part of the world, these things sound very new to me! But I do have friends and family there and I’ll let them know of these things so they don’t miss out 😀

  5. All tips about saving money and earning cash back are always welcome. Thanks for such a thorough job!

  6. Very interesting, I never knew about this! Will definitely be sharing with my friends 🙂

  7. Great tips! I love learning new ways to earn miles–thanks for sharing! I love AVIOS miles, but our balance is close to gone since I haven’t been keeping up with it. I’ll have to try this!

  8. Wow, you have figured it all out! I love getting tips about saving money and getting cash back!

  9. Great tips but we don’t have that in the US. So many wonderful reward programs and so many are so complicated to use. I really need to pay closer attention and get the perks.

  10. Nice tips.I have used Tesco club card in the past and liked it.

  11. Wow! I didn’t know I am missing so much until now! Thank you so so so much for letting us know!

  12. AwesomePost..Keep it up

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