Compare reward credit cards

Reward credit cards help you earn points which can be exchanged for merchandise, travel and discounts.
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British Airways American Express® Credit Card
Reward Travel Airline Instant Decision No Annual Fee

British Airways American Express® Credit Card

  • 3,000 Avios when spending £500 within the first 3 months
  • Companion Voucher when you spend £20,000 in one year
  • 1 Avios for every £1 spent
  • Application response in 60 seconds
  • No annual fee
more info
15.9% APR
Representative (variable)
Original
Avios
No fee
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
British Airways American Express® Premium Plus Credit Card
Reward Travel Airline Instant Decision

British Airways American Express® Premium Plus Credit Card

  • 18,000 Avios when spending £3,000 within the first 3 months
  • 3 Avios for every £1 spent directly with British Airways
  • 1.5 Avios for every £1 spent
  • Companion Voucher when you spend £10,000 in one year
  • Application response in 60 seconds
more info
56.4% APR
Representative (variable)
Original
Avios
£150
annual fee
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £150 annual fee, your representative APR is 56.4% APR (variable).
M&S Credit Card
0% Purchase Reward

M&S Credit Card

  • 19 months 0% on purchases
  • 15 months 0% on balance transfers (2.9% fee) (min £5)
  • 500 M&S points voucher worth £5 for select M&S spending
  • 1 M&S point per £1 spent instore; 0.5 M&S point per £1 spent outside of store
more info
18.9% APR
Representative (variable)
Original
M&S Points
No fee
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).
Emirates Skywards Elite Credit Card
0% Balance Transfer Reward Travel Airline Money Transfer 0% Purchase

Emirates Skywards Elite Credit Card

  • 20,000 Bonus Skyward Miles if you spend £2,000 within 90 days of account opening
  • 0% on money and balance transfers for up to 6 months from the date your account is opened, 2% handling fee (£3 min)
  • 0% on Emirates flights for up to 12 months from the date your account is opened
more info
54.9% APR
Representative (variable)
Original
Emirates Skywards
£150
annual fee
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £150 annual fee, your representative APR is 54.9% APR (variable).
Emirates Skywards Credit Card
0% Balance Transfer Reward Travel Airline Money Transfer 0% Purchase

Emirates Skywards Credit Card

  • 10,000 Bonus Skyward Miles if you spend £1,000 within 90 days of account opening
  • 0% on money and balance transfers for up to 6 months from the date your account is opened, 2% handling fee
  • 0% on Emirates flights for up to 12 months from the date your account is opened
more info
17.9% APR
Representative (variable)
Original
Emirates Skywards
No fee
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).
Lloyds Bank Avios Rewards Amex/MasterCard
0% Balance Transfer 0% Purchase Reward Travel Airline

Lloyds Bank Avios Rewards Amex/MasterCard

  • Up to 1.25 Avios for every £1 spent
  • Double Avios in your first 6 months
  • No foreign transaction fees
  • £24 annual fee
more info
23.7% APR
Representative (variable)
Original
Avios
£24
annual fee
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £24 monthly fee, your representative APR is 23.7% APR (variable).
Lloyds Bank Premier Avios Rewards Amex/MasterCard
Reward Travel Airline 0% Balance Transfer 0% Purchase

Lloyds Bank Premier Avios Rewards Amex/MasterCard

  • 1.5 Avios for every £1 spent
  • Double Avios in your first 6 months
  • No foreign transaction fees
  • £140 annual fee
more info
52.1% APR
Representative (variable)
Original
Avios
£140
annual fee
Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £140 monthly fee, your representative APR is 52.1% APR (variable).
Sainsbury's Bank Nectar Credit Card
0% Balance Transfer 0% Purchase Reward No Annual Fee

Sainsbury's Bank Nectar Credit Card

  • 18 months 0% on purchases & balance transfers (3% fee)
  • Double Nectar points on Sainsbury's shopping
  • 1 Nectar point for every £5 spent everywhere else
more info
18.9% APR
Representative (variable)
Original
Nectar
No fee
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
Sainsbury's Bank Nectar Balance Transfer Credit Card
0% Balance Transfer Reward No Annual Fee

Sainsbury's Bank Nectar Balance Transfer Credit Card

  • 33 months 0% on balance transfers
  • Double Nectar points on Sainsbury's shopping
  • 2.89% transfer fee (first 3 months), 3% thereafter
more info
18.9% APR
Representative (variable)
Original
Nectar
No fee
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
The Starwood Preferred Guest® Credit Card from American Express
Reward Travel Airline Instant Decision

The Starwood Preferred Guest® Credit Card from American Express

  • 1 Starpoint for every £1 spent
  • Redeem points on flights and luxury hotels
  • 10,000 bonus Starpoints when you spend £1,000 in your first 3 months
  • Free Weekend Night Award when you spend £25,000 in one year
  • £75 annual fee
  • Application response in 60 seconds
more info
36.2% APR
Representative (variable)
Original
SPG Starpoints
£75
annual fee
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £75 annual fee, your representative APR is 36.2% APR (variable).
No Balance Transfer Fee Tesco Clubcard Credit Card
market leading 0% Balance Transfer 0% Purchase Reward Instant Decision

No Balance Transfer Fee Tesco Clubcard Credit Card

  • No balance transfer fee
  • 12 months 0% on purchases & balance transfers (0% fee)
  • 5 Clubcard points for every £4 spent in Tesco
  • 1 Clubcard point for every £4 spent everywhere else
  • Application decision in 60 seconds
more info
18.9% APR
Representative (variable)
Original
Tesco Clubcard Points
No fee
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).
Tesco Bank Purchase card with 1000 points
0% Purchase Reward

Tesco Bank Purchase card with 1000 points

  • 17 months 0% on purchases
  • 3 months 0% on balance transfers (2.9% fee)
  • 1000 Clubcard points if you make a purchase or transfer a balance within 2 months of account opening
  • 1 Clubcard point for every £4 spent everywhere else
more info
18.9% APR
Representative (variable)
Original
Tesco Clubcard Points
No fee
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).
Tesco Bank 19 Month Purchase Clubcard Credit Card
market leading 0% Purchase Reward No Annual Fee

Tesco Bank 19 Month Purchase Clubcard Credit Card

  • 19 months 0% on purchases
  • 3 months 0% on balance transfers (2.9% fee)
  • 5 Clubcard points for every £4 spent in Tesco
  • 1 Clubcard point for every £4 spent everywhere else
  • Application decision in 60 seconds
more info
18.9% APR
Representative (variable)
Original
Tesco Clubcard Points
No fee
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).
Tesco Bank Clubcard Credit Card for 25m Balance Transfer
0% Balance Transfer Reward

Tesco Bank Clubcard Credit Card for 25m Balance Transfer

  • 25 months 0% on balances transfers (1.99% fee)
  • 5 Clubcard points for every £4 spent in Tesco
  • 1 Clubcard point for every £4 spent everywhere else
  • Application decision in 60 seconds
more info
18.9% APR
Representative (variable)
Original
Tesco Clubcard Points
No fee
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).
Tesco Bank Clubcard Credit Card for 34m Balance Transfer
0% Balance Transfer Reward Instant Decision

Tesco Bank Clubcard Credit Card for 34m Balance Transfer

  • 34 months 0% on balance transfers (2.9% fee)
  • Up to 5 Clubcard points for every £4 spent at Tesco
  • 1 Clubcard point for every £4 you spend everywhere else
  • Application decision in 60 seconds
more info
18.9% APR
Representative (variable)
Original
Tesco Clubcard Points
No fee
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable).
TSB Premier Avios Amex/MasterCard
Reward Travel Airline

TSB Premier Avios Amex/MasterCard

  • Up to 1.25 Avios points for every £1 spent
  • Double Avios points when spending abroad
  • Companion ticket when you spend £15,000 in one year
  • 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider
  • MasterCard and American Express cards
  • £50 annual fee
more info
23.7% APR
Representative (variable)
Original
Avios
£50
annual fee
Representative example: When you spend £1,200 at a rate of 13.95% (variable) per annum, with a £50 monthly fee, your representative APR is 23.7% APR (variable).
TSB Avios Amex/MasterCard
Reward Travel Airline

TSB Avios Amex/MasterCard

  • Up to 1 Avios point for every £1 spent
  • Double Avios points when spending abroad
  • MasterCard and American Express cards
  • 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider
  • No annual fee
more info
17.9% APR
Representative (variable)
Original
Avios
No fee
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
American Express Platinum Cashback Everyday Card
Reward Cashback

American Express Platinum Cashback Everyday Card

  • 5% cashback in your first 3 months (up to £100)
  • Up to 1.25% cashback thereafter
  • No annual fee
more info
19.9% APR
Representative (variable)
Original
Cashback
No fee
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).
American Express Platinum Cashback Card
Reward Cashback

American Express Platinum Cashback Card

  • 5% cashback in your first 3 months (up to £125)
  • 1.25% cashback on all spending thereafter
  • Bonus 2.5% cashback if you spend more than £10,001 in a year
  • £25 annual fee
more info
18.7% APR
Representative (variable)
Original
Cashback
£25
annual fee
Representative example: When you spend £1,200 at a rate of 14.0% (variable) per annum, with a £25 annual fee, your representative APR is 18.7% APR (variable).
American Express Nectar Credit Card
Reward Instant Decision

American Express Nectar Credit Card

  • 20,000 Nectar points (worth £100) welcome offer to spend with Nectar partners
  • Up to 4 points per £1 with Nectar partners
  • 2 points per £1 spent elsewhere
  • First year of card membership with £0 annual fee, £25 thereafter (T&Cs apply)
  • Application response in 60 seconds
more info
25.0% APR
Representative (variable)
Original
Nectar
£25
annual fee
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £25 monthly fee, your representative APR is 25.0% APR (variable).
American Express Preferred Rewards Gold Card
Charge Card Reward Travel Airline

American Express Preferred Rewards Gold Card

  • Earn two points for virtually every £1 spent at major petrol stations and supermarkets in your first year
  • Two complimentary airport VIP lounge passes every year
  • Earn two points on almost all your spend made while abroad
  • £0 annual fee in the first year
more info
Original
Amex Membership Rewards
£125
annual fee
Charge card: No interest charges. Balance must be paid in full each month. Annual fee of £125 applies.
Barclaycard Freedom Rewards Credit Card
most popular Reward No Annual Fee

Barclaycard Freedom Rewards Credit Card

  • Double Freedom points on UK supermarket, petrol station and all Transport for London
  • 0% interest on balance transfers for the first 9 months (2.9% fee applies)
  • 0% interest on purchases for 6 months from account opening
more info
21.9% APR
Representative (variable)
Original
Barclaycard Freedom Rewards
No fee
Representative example: When you spend £1,200 at a rate of 21.9% (variable) per annum, your representative APR is 21.9% APR (variable).
Virgin Atlantic Black Credit Card Account
limited offer Airline Money Transfer Reward Travel

Virgin Atlantic Black Credit Card Account

  • 18,500 miles with first purchase made in 90 days of account opening
  • 6,500 bonus miles if applying before 31 March 2015 & spend £2,000 (terms apply)
  • 0% on balance transfers for up to 6 months
  • 0% on money transfer for up to 6 months
more info
52.0% APR
Representative (variable)
Original
Virgin Atlantic Flying Club Miles
£140
annual fee
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £140 annual fee, your representative APR is 52.0% APR (variable).
Virgin Atlantic White Credit Card Account
limited offer Reward Airline Money Transfer No Annual Fee Travel

Virgin Atlantic White Credit Card Account

  • 3,000 miles with first card purchase made in 90 days of account opening
  • 7,000 bonus miles when applying before 31 March 2015 & spend £1000 (terms apply)
  • 0% on balance transfers for up to 6 months
  • 0% on money transfer for up to 6 months
more info
17.9% APR
Representative (variable)
Original
Virgin Atlantic Flying Club Miles
No fee
Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).
NatWest Cashback Plus Credit Card
limited offer Cashback Reward

NatWest Cashback Plus Credit Card

  • 1% cashback on all supermarket shopping
  • 1% cashback on selected retailers
  • 0.5% cashback on all other purchases
  • 5% on all Department Store shopping until 31st March 2015(spend at food hall till points will earn 1%)
more info
17.4% APR
Representative (variable)
Original
Cashback
£24
annual fee
Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, with a £24 annual fee, your representative APR is 17.4% APR (variable).

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Compare reward credit cards

About reward credit cards

With a reward credit card featuring rewards like Tesco Clubcard points or Nectar Credit Card points, each time you spend you get something back in reward points.

Some of the best credit card rewards allow you to exchange points for store discounts, gift vouchers and even flights. The cards below are ordered by interest rate (APR) - read the descriptions for more detail on the card rewards.

What is a reward credit card?

Some credit cards give you points you can then redeem against goods and services – these are known as reward credit cards. The points offered can also be converted into vouchers for in-store purchases, making it possible to work out an equivalent value to the cashback offered by other cards for the same spending. Some reward cards also offer points which can often be traded for special offers in-store or days out.

Should I take out a reward credit card?

Using a reward credit card instead of cash or your debit card for everyday spending could be a great way to earn money back on unavoidable purchases. Which card you pick depends on your needs and spending habits. For example, Nectar points, which can be collected via certain American Express and Sainsbury’s cards, can be put towards anything from restaurant bills to cinema tickets. Similarly, if you spend regularly at Amazon, Boots, or M&S, a NatWest or RBS reward card could be right for you.

Multi-purpose reward credit cards

Reward cards are often competitive in other areas, enabling them to be used for various different purposes. This means that even if you’re not a regular shopper or frequent flyer, some reward cards could be worth considering for the added benefits on offer. For example, as well as points, many of the cards in our table above also offer long 0% interest periods on balance transfers, purchases or both. However, as interest rates on reward credit cards are normally average at best, they’re only really suited to people able to clear their balance in full every month.

What is the best rewards credit cards?

The best rewards credit cards will vary according to the uses you have for each reward. If you do your shopping with a particular retailer, then their own reward credit card which gives you points to spend in their store can be attractive. However, if you do your shopping all over the place, even a really attractive rate of points rewards that can only be used in one store probably won't be worth it.