Nectar AMEX Card Calculator

Card Details & Nectar Points Calculator
3x Nectar Partners
2x Non-Category
AMEX Benefits
Purchase Protections

Nectar Points Calculator for the Nectar AMEX Card. Calculate total points and cash value of card based on spend, benefits, and fees. Compare to top cards.

Use the Nectar AMEX Card Calculator to calculate how many Nectar Points you can earn based on spend. The calculator will also output the cash value of the card based on spend, benefits, and the annual fee. You can compare the results side by side any card featured on the site.

Bonus Categories

The Nectar AMEX Card features one bonus category which is spending with Nectar partners. There's no limit to the amount of bonus points you can earn spending with partners and no limit to the amount of Nectar Points you can earn with the card overall.

  • 3x Nectar Partners
    • You will earn a minimum of 3x with Nectar Partners. It's possible that you could earn more depending on the partner and if it's any active promotions going on.
  • 2x Non-Category
    • Purchases made at warehouse retailers in the United Kingdom (such as Costco) will earn you a lower 1x rate per £1 spent.

Perks & Benefits

The Nectar AMEX Card comes with a few small benefits that can be useful.

  • AMEX Benefits
    • AMEX Offers
      • Selected offers from retail and travel partners that can save you money or earn you bonus points.
    • American Express Experiences
      • Access to purchase tickets to the most in-demand music, film, and theatre events in town.
  • Travel & Purchase Protections
    • Global Assist
    • Purchase Protection
    • Refund Protection

Sign Up Bonus (SUB)

The Nectar AMEX Card has a standard sign up bonus of 20,000 bonus Nectar Points when you spend £2,000 in your first three months of cardmembership. With Nectar Points being worth 0.5p each for the most common redemptions, you're looking at a total value of £100.


Annual Fee

The annual fee for the Nectar AMEX Card is £0 the first year, then £25. The £25 annual fee can easily be made back with AMEX Offers. If you heavily participate in the Nectar program, you'll probably end up running significant spend through this card which will more than make up for the fee.

Authorized User Fee

There is no fee for adding additional users to the Nectar AMEX Card. If you have friends or family that shop at Nectar partners, I highly recommend adding them to help build your Nectar Points faster.

Foreign Transaction Fee

The non-sterling transaction fee for the Nectar AMEX Card is 2.99%.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.


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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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