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RevPoints vs cashback and Nectar: which is worth more?
On everyday UK spend, straight 1 percent cashback usually beats RevPoints — unless you are on the Ultra plan or you transfer RevPoints to airline miles. RevPoints earn from 1 per £10 on Standard up to 1 per £1 on Ultra, and are worth roughly 1 to 2p each at their best (airline transfers). Nectar points are worth about 0.5p. The calculator below shows the yearly difference for your spend.
Compare your annual reward value
Illustrative gross value per year, excluding plan fees. RevPoints about 1.5p per point (airline transfer); cashback 1%; Nectar about 0.5p per point at roughly 1 point per £1. Verify current rates. Not financial advice.
Side by side
| RevPoints | 1% cashback | Nectar | |
|---|---|---|---|
| Value per unit | ~1 to 2p (miles) | 1p (£) | ~0.5p |
| Earn rate | 1 per £10 to £1 (by plan) | 1% of spend | Varies (more at Sainsbury's) |
| Flexibility | Miles, gift cards, hotels | Cash, spend anywhere | Sainsbury's and partners |
| Best for | Ultra plan, travel redemptions | Simplicity, guaranteed value | Regular Sainsbury's shoppers |
The verdict
Cashback wins on simplicity. One percent is guaranteed and spendable anywhere, and it beats RevPoints on every Revolut plan except Ultra.
RevPoints win at the top. On the Ultra plan (1 point per £1) redeemed for airline miles, RevPoints can be worth more than 1 percent cashback — the value is in travel, not cash.
Nectar suits Sainsbury's regulars, where boosted offers lift the everyday 0.5p rate. For general spend it is the weakest of the three.
FAQ
Is cashback better than RevPoints?
For most people on the Standard, Plus, Premium or Metal plans, 1 percent cashback returns more guaranteed value than RevPoints. RevPoints only pull ahead on the Ultra plan or when redeemed for airline miles at 1 to 2p per point.
How much is a Nectar point worth vs a RevPoint?
A Nectar point is worth about 0.5p. A RevPoint is worth roughly 1 to 2p when transferred to airline miles, so RevPoints are more valuable per point, though Nectar can earn faster on Sainsbury's shopping.
Can I earn RevPoints and cashback at the same time?
Sometimes. If you pay with a cashback credit card through Revolut Pay or top up a Revolut card, you may earn both, but check each provider's terms as rules change.