Reward Credit
Card Comparison

Reward Credit Card Comparison - if you are having difficulty finding the best rewards card, use our reward credit card comparison table and find the one that's right for you in a matter of minutes.

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...

Reward Credit Card Comparison

With great rewards to be found on all of our reward credit cards, it can be hard to decide which one is best for you. Do you want extra points on your shopping, days out or even cash back? It can all get very confusing if you have to do it all by yourself.

But hope is at hand in the form of Which4U. We have compiled a reward credit card comparison table to make your life easier. You can view and compare the very best deals available in one place and, with all of the information you need at your disposal, make the right decision in terms of the best rewards credit card for you. Then all you have to do is click apply.
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Amex Platinum Cash Back

Advice

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: N/A
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

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 Aspire World

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!!

Sainsbury's Finance Nectar Credit Card

Advice

Earn up to Double Nectar points for every £1 you spend in Sainsbury's stores and online for the first two years. YOU MUST HAVE A NECTAR CARD IN ORDER TO APPLY FOR THIS CREDIT CARD (Nectar points are NOT earned using this Credit Card)

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 MUST HAVE A NECTAR CARD IN ORDER TO APPLY FOR THIS CREDIT CARD (Nectar points are NOT earned using this Credit Card)
  • 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 Double points (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

Capital One OneRate

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