Reward
Credit Cards

With a Reward Credit Card you can earn points for every pound you spend which can be exchanged for a number of rewards including flights, hotels, package holidays and discounts, plus you can earn up to 2000 free points when opening an account. Apply online and start earning today.

Compare Credit Card Features

Credit Cards

Editors Choice - American Express - 5% Cash Back

Get 5% cashback on your spend with the Platinum Cashback Credit Card! After 3 months the rate will drop to an ongoing 1.25% cash back with no limits...

More Info >

Reward Credit Cards

Amex Platinum Cash Back

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Advice

Not only do you get 6 months 0% on purchases, you also get 5% cashback on up to £2,000 spend within 1st 3 months (Max £100). After this you can earn cashback rates of 1.25% with NO spend limit!!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. 6 mths
Representative APR
Purchases: 18.5% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 18.5% p.a.
Cash Advance: 22.9% p.a.
Annual Fee: £25 p.a.
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Introductory Cashback Rate: 5% for 3 mths
Standard Cashback Rate: 1.25%
Approval Criteria
  • I am aged 18 or over
  • I have a current UK bank or building society account
  • I have a permanent UK home address
  • I have a household income of at least £20,000
  • I have no history of bad debt
  • If self-employed, I have been working for more than one year.

Credit Card Benefits

  • Purchase Protection: Up to £20,000 for every 365 day period, for eligible items stolen or accidentally damaged within 90 days of purchase.
  • Refund Protection: Up to £200 per eligible item and £750 for every 365 day period.

Credit Card Cashback

  • Get 5% Cash Back on up to £2,000 spend within 1st 3 months (Max £100)
  • After this you can earn cashback rates of 1.25% with NO spend limit!!

Santander 123 Cashback Card

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Advice

Earn 1% Cashback at Supermarkets, Earn 2% Cashback at Department Stores, Earn 3% Cashback at Petrol Stations (£300 monthly spend cap applies).

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 15.9% p.a.
Cash Advance: 22.8% p.a.
Annual Fee: £24
Standard Features
Credit Limit: £16,000
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Cashback
Standard Cashback Rate: 1-3%
Approval Criteria
  • You are at least 18 years of age;
  • You have had a permanent UK address for at least the last 3 years;
  • You do not have a history of bad credit (in other words, county court judgements or bankruptcy);
  • You have an income in excess of £7,500.

Credit Card Cashback

  • Earn 1% Cashback at Supermarkets, Earn 2% Cashback at Department Stores, Earn 3% Cashback at Petrol Stations (£300 monthly spend cap applies).

Capital One World Mastercard

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Advice

Earn 5% cashback on purchases for your first 3 months (max £100) and up to 1.25% unlimited cashback thereafter!!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 19.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 19.9% p.a.
Balance Transfer Fee: 3%
Cash Advance: 19.9% p.a.
Annual Fee: £18 p.a.
Standard Features
Credit Limit: £4,500 - £7500
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Cashback
Introductory Cashback Rate: 5% for 3 mths
Standard Cashback Rate: 1.25%
Approval Criteria
  • You're aged 21 or over
  • You have an income of more than £20,000 per annum
  • You've had no CCJs or defaults in the past
  • You don't already have a Capital One credit card but have had other credit cards

Credit Card Benefits

  • Earn 5% cashback on purchases for your first 3 months (max £100) and up to 1.25% unlimited cashback thereafter
  • No Annual Fee!!

Tesco Clubcard Credit Card

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Advice

Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card anywhere in the world.
Plus, your card doubles as a Clubcard. So when you use your Clubcard Credit Card to pay at Tesco, not only will you get 1 point for every £4 you spend, you will also collect points from Clubcard!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 9 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% p.a. 15 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 16.9% p.a.
Balance Transfer Fee: 2.90%
Cash Advance: 24.94% p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 51 days
On-Line Banking: Yes
Approval Criteria
  • You have an excellent Credit History
  • You are at least 18 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have a gross annual income of £5,000+

Credit Card Rewards

  • Your Clubcard Credit Card doubles as your Clubcard.
  • Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card (Must have available credit). 1 point awarded per £4 spent in each purchase transaction (£4 min).

Sainsbury's Finance Nectar Credit Card

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Advice

Earn up to 4 Nectar points for every £1 you spend in Sainsbury's stores and online for the first two years.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 15 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% p.a. 6 mths
Representative APR
Purchases: 16.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 16.9% p.a.
Cash Advance: 24.9% p.a.
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 59 days
On-Line Banking: Yes
Approval Criteria
  • You have a permanent UK address
  • You are 18 or over
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are not an existing Sainsbury's Bank Credit Card holder

Credit Card Benefits

  • When you pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card you could earn up to 4 Nectar points for every £1* you spend in Sainsbury's stores and online for the first two years.
  • One Nectar point for every £5 spent on your card elsewhere

NatWest World Credit Card

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Advice

Turn your everyday spending in to great rewards by earning YourPoints on every pound you spend, with 2,500 points to get you started.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 13 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% p.a. 13 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 17.9% p.a.
Cash Advance: 24.9% p.a.
Standard Features
Credit Limit: 1,200
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You have an existing NatWest Current A/C
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £10,000 per year

Credit Card Benefits

  • You can ask for a review of your credit limit after you've had your card for six months.
  • Transfer money from your YourPoints World Credit Card to any UK bank account. Pay the money transfer interest rate from the date of the transfer. The minimum transfer is £250.
  • The YourPoints World Credit Card gives you access to £750 a day, from cash machines around the world.
  • The amount you can withdraw depends on your credit limit, and there's a 3% handling fee - a minimum of £3.

Credit Card Rewards

  • Earn 1 point for every £1 you spend on your NatWest YourPoints World MasterCard.
  • Exchange the points you earn for a huge choice of rewards from flights and holidays, shopping vouchers, or even spa experiences and theatre nights.
  • Use your points at some great online and high street stores including ebookers, easyJet, M&S, Boots, Amazon and Harvey Nichols.

Capital One Click Mastercard

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Advice

Designed for people who want more rewards and enhanced security while doing what they love most - shopping online!
The Click Card gives you unlimited access to exclusive rewards with leading fashion, travel and lifestyle brands and provides enhanced security to keep your card protected. Capital One also send you new and exciting discounts every three months.

Introductory Offer
Balance Transfer Rate: 9.90% p.a.
Balance Transfer Fee: 9.90%
Purchase Rate: 9.90% p.a.
Representative APR
Purchases: 9.94% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 9.90% p.a.
Cash Advance: N/A
Standard Features
Credit Limit: £12,000 Max
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You have an excellent Credit History
  • You are at least 21 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £10,000 p.a

Credit Card Benefits

  • Capital One Click offers enhanced security when you are shopping online.

Credit Card Rewards

  • A shopping reward program available. For the first six months customers are eligible for online discounts with participating companies: 30% off Zavvi.com 25% off Travelpack.com 20% off and free delivery with Tedbaker.com 50% off viagogo.co.uk

Reward Credit Cards Explained

 

What are reward credit cards?

Some credit card providers offer rewards to attract new customers. These loyalty schemes offer a whole new side to the stereotypical debt reputation that has been branded to credit cards, giving responsible spenders an exciting opportunity to be rewarded for their purchases. Additional points can also be rewarded when purchasing at selected retailers.

How can I make the most from a reward credit card?

One way to maximise your rewards is by using your reward credit cards to pay for everyday purchases such as grocery shopping, utility bills etc. and accumulate points for doing so, at no extra cost to you.

What should I be aware of with a reward credit card?

Before choosing a card that offers reward points, check how points are earned, how much they are worth and what they can be used for.

One thing to keep in mind when using a reward credit card is that the interest rates are generally higher, which will only cause an issue if you don't pay off the full amount each month. However, if you keep up-to-date with your payments you will not be affected.

What other features are available with a reward credit card?

As well as being able to earn reward points, a number of providers also offer discounts on certain products and services and entry into various prize draws.

Depending on your choice of reward credit card, you can build up points towards a range of products and services, which include airmiles, insurance products, cashback, shopping vouchers and much more.


See our range of best Reward Credit Cards above.
 

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