Although I have collected Nectar points for years I’ve, until this year just frittered them away.

Every Christmas my Wife, my SIL/BIL and me buy a holiday for Mum and Dad.

This year I made a decision that I was going to try to get the in-law’s a holiday using Nectar points - it is going very well

Firstly, it’s worth mentioning that Nectar points can be exchanged for Expedia vouchers who offer flights and hotel packages and cruises at fair prices.

Step 1: Get the Amex Nectar credit card (fee free in year one) in your name, but add your partner as a secondry card holder - you may think nowhere accepts Amex, but all the major supermarkets do, Amazon do, BP do, plus many restraunts too, Plus, most importantly, Paypal do! Nowadays most online companies now accept PayPal and therefore Amex

If you and your partner spend £2000 within 3 months on your account Amex will give you 20,000 Nectar points (worth £100)

Step 2: invite your partner via the brilliant Amex App, when they are accepted, you receive 5,000 Nectar points (worth £25) plus, as you recommended them, they get 21,000 Nectar points (worth £105)

Then you and them spend on that person’s card(s) on that account until the next £2000 is reached over 3 months.

So far you and your partner now have £250 of Nectar/Expedia vouchers (£230 in bonuses +0.5p in points for every pound spent in the Amex

Step 3: (this is where I’m up to currently) recomend my sister-in-law, I Then get £25. For the recommendation, plus she gets £105 instead on £100..

Step 4: after 3 months, she she then recommends her husband, gets £25 For the recommendation, plus he gets another £105...

So that’s another £260 in bonus from the in-laws plus £20 in points for spending the £4000 in 6 months

So we are then up to £530 as a team, this is going well.

Then, Step 5; get the Sainsbury's Nectar Credit Card, the bonus on that one is, £5 of Nectar points, up to 10 times over 2 months if you spend £40 or more per transaction on different days - So that means £50 each in Nectar points just for buying our weekly wine shop on a different day and in a different supermarket to our normal Tesco shop plus we need to add the £1600 of shopping points in a Sainsbury’s store which will add another £16 of points to our group total

So, this was my plan in January this year, By June we will have £746 of Expedia vouchers for Mum and Dad by just spending our own money on things we were going to buy anyway

I haven’t factored In the extra points earned by buying BP fuel triple points etc.

I estimate, if we all keep only using Amex Where possible plus the Sainsbury’s when only MasterCard will we should have well over £1000 of Expedia vouchers totally free.