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

2015 award winner
limited offer Travel Airline Instant Decision No Annual Fee Premium Credit Cards

British Airways American Express® Credit Card

  • 3000 Avios when spending £500 within the first three months
  • Companion voucher when you spend £20,000 in one year
  • 1 Avios point for every £1 spent
more info
15.9% APR
Representative (variable)
OriginalAvios
No fee
Apply
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • have an annual household Income of £20,000
  • have a permanent UK home address
  • have no County Court Judgements
  • have been trading for 6 months if self-employed

Additional criteria for acceptance from the lender may apply.

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

2015 award winner
limited offer Travel Airline Instant Decision Premium Credit Cards

British Airways American Express® Premium Plus Credit Card

  • 18,000 bonus points when you spend £3,000 in your first three months
  • 1.5 Avios for every £1 spent; 3 Avios for every £1 spent directly with British Airways
  • Companion voucher when you spend £10000 in one year
more info
56.4% APR
Representative (variable)
OriginalAvios
£150
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

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

2015 award winner
0% Purchase

M&S Credit Card

  • 19 months 0% on purchases; 15 months 0% on balance transfers (2.9% fee)
  • 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)
OriginalM&S Points
No fee
Apply
To get this card you must at least:
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Lloyds Bank Avios Rewards Amex/MasterCard

0% Purchase Travel Airline Premium Credit Cards

Lloyds Bank Avios Rewards Amex/MasterCard

  • Up to 1.25 Avios for every £1 spent (double in first six months)
  • No foreign transaction fees
  • £24 annual fee
more info
23.7% APR
Representative (variable)
OriginalAvios
£24
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £24 annual fee, your representative APR is 23.7% APR (variable).

Lloyds Bank Choice Rewards Amex/MasterCard

0% Balance Transfer 0% Purchase

Lloyds Bank Choice Rewards Amex/MasterCard

  • Double rewards for the first six months on Amex cards
  • Turn points into cashback, vouchers or Avios
  • £24 annual fee
more info
23.7% APR
Representative (variable)
OriginalLloyds Bank Choice Rewards
£24
Annual fee
Apply
To get this card you must at least:
  • have no Country Court Judgements (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc or Bank of Scotland plc

Additional criteria for acceptance from the lender may apply.

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).

Sainsbury's Bank Nectar Balance Transfer Credit Card

2015 award winner
0% Balance Transfer No Annual Fee

Sainsbury's Bank Nectar Balance Transfer Credit Card

  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • 2.89% transfer fee (first three months), 3% thereafter
more info
18.9% APR
Representative (variable)
OriginalNectar
No fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

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 Low Rate Credit Card

2015 award winner
Low APR

Sainsbury's Bank Nectar Low Rate Credit Card

  • 9.9% rate with no monthly or annual fee
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • 1 Nectar point for every £5 spent elsewhere
more info
9.9% APR
Representative (variable)
OriginalNectar
No fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 9.93% (variable) per annum, your representative APR is 9.9% APR (variable).

The Starwood Preferred Guest® Credit Card from American Express

2015 award winner
Travel Airline Instant Decision Premium Credit Cards

The Starwood Preferred Guest® Credit Card from American Express

  • 1 Starpoint per £1 spent. 10000 point bonus for £1,000 spend in first three months
  • Redeem points on flights and luxury hotels
more info
36.2% APR
Representative (variable)
OriginalSPG Starpoints
£75
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident

Additional criteria for acceptance from the lender may apply.

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

2015 award winner
0% Balance Transfer Instant Decision

No Balance Transfer Fee Tesco Clubcard Credit Card

  • No balance transfer fee
  • 19 months 0% balance transfers (0% fee)
  • 1 Clubcard point for every £4 spent in Tesco
more info
18.9% APR
Representative (variable)
OriginalTesco Clubcard Points
No fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may apply.

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 credit card with 1000 points

2015 award winner
0% Purchase

Tesco Bank Purchase credit 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 two months of account opening
  • 1 Clubcard point for every £4 spent in each purchase transaction
more info
18.9% APR
Representative (variable)
OriginalTesco Clubcard Points
No fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

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 21 Month Purchase Clubcard Credit Card

2015 award winner
0% Purchase No Annual Fee

Tesco Bank 21 Month Purchase Clubcard Credit Card

  • 1 Clubcard point for every £4 spent in Tesco
  • Online application decision in 60 seconds
more info
18.9% APR
Representative (variable)
OriginalTesco Clubcard Points
No fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

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 28m Balance Transfer

2015 award winner
0% Balance Transfer

Tesco Bank Clubcard Credit Card for 28m Balance Transfer

  • 25 months 0% on balances transfers (1.99% fee)
  • 1 Clubcard point for every £4 spent in Tesco
  • Online application decision in 60 seconds
more info
18.9% APR
Representative (variable)
OriginalTesco Clubcard Points
No fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may apply.

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 35m Balance Transfer

2015 award winner
0% Balance Transfer Instant Decision

Tesco Bank Clubcard Credit Card for 35m Balance Transfer

  • 35 months 0% on balance transfers (2.9% fee)
  • 1 Clubcard point for every £4 spent in Tesco
  • Online application decision in 60 seconds
more info
18.9% APR
Representative (variable)
OriginalTesco Clubcard Points
No fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may apply.

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

Travel Airline Premium Credit Cards

TSB Premier Avios Amex/MasterCard

  • Up to 1.25 Avios points per £1 spent (double when spending abroad)
  • Companion ticket when you spend £15,000 in one year
  • 1500 bonus Avios per £1,000 transferred from a single provider
more info
23.7% APR
Representative (variable)
OriginalAvios
£50
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

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

Travel Airline Premium Credit Cards

TSB Avios Amex/MasterCard

  • Up to 1 Avios point for every £1 spent
  • Double Avios points when spending abroad
  • 1,500 bonus Avios per £1,000 transferred from a single provider
more info
17.9% APR
Representative (variable)
OriginalAvios
No fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

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 Credit Card

2015 award winner
Cashback No Annual Fee

American Express Platinum Cashback Everyday Credit Card

  • 5% cashback in your first three months (up to £100)
  • Up to 1.25% cashback thereafter
more info
19.9% APR
Representative (variable)
OriginalCashback
No fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £20,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

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 Credit Card

2015 award winner
Cashback Premium Credit Cards

American Express Platinum Cashback Credit Card

  • 5% cashback in your first three months (up to £125) 1.25% cashback 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)
OriginalCashback
£25
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £20,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

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

2015 award winner
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)
more info
25.0% APR
Representative (variable)
OriginalNectar
£25
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

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 Credit Card

2015 award winner
Travel Airline Premium Credit Cards

American Express Preferred Rewards Gold Credit Card

  • 20,000 bonus Membership Rewards points when you spend £2,000 in your first three months
  • 1 points for virtually every £1 spent and 1 additional point for every £1 spent directly with airlines
  • No annual fee in the first year
more info
OriginalAmex Membership Rewards
£140
Annual fee
Apply
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • be a permanent UK resident
  • have an income of £20,000 or more
  • have no history of bad debt

Additional criteria for acceptance from the lender may apply.

Charge card: No interest charges. Balance must be paid in full each month. Annual fee of £140 applies.

Barclaycard Hilton HHonors Platinum Credit Card

0% Balance Transfer No Annual Fee

Barclaycard Hilton HHonors Platinum Credit Card

  • 2500 points for first 4 Hilton hotel stays (terms apply)
  • Three points for every £1 spent at Hilton hotels
  • Two points for £1 spent elsewhere
  • Spend £750 in first 90 days get free hotel stay (terms apply)
  • 0% on balance transfers for 15 months (2.99% fee applies)
more info
18.9% APR
Representative (variable)
OriginalHilton HHonors Points
No fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have an income of £20,000 or more
  • have a good credit rating
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Virgin Atlantic Black Credit Card Account

Airline Money Transfer Travel Premium Credit Cards

Virgin Atlantic Black Credit Card Account

  • 18,500 miles with first purchase made in first 90 days
  • 0% on balance and money transfers for up to six months
more info
52.0% APR
Representative (variable)
OriginalVirgin Atlantic Flying Club Miles
£140
Annual fee
Apply
To get this card you must at least:
  • be 18 or older
  • be a UK resident

Additional criteria for acceptance from the lender may apply.

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

most popular Airline Money Transfer No Annual Fee Travel Premium Credit Cards

Virgin Atlantic White Credit Card Account

  • 3,000 miles with first card purchase made in first 90 days
  • 0% on balance and money transfers for up to six months
more info
17.9% APR
Representative (variable)
OriginalVirgin Atlantic Flying Club Miles
No fee
Apply
To get this card you must at least:
  • be 18 or older
  • be a UK resident

Additional criteria for acceptance from the lender may apply.

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 Premium Credit Cards

NatWest Cashback Plus Credit Card

  • OFFER - 10% cashback on UK restaurants/bars spending (April 1st - September 30th)
  • 1% cashback on supermarket shopping and from selected retailers
  • 0.5% cashback on other purchases plus 1% if you use contactless
more info
17.4% APR
Representative (variable)
OriginalCashback
£24
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £10,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

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).

Sainsburys Nectar Purchase Credit Card

2015 award winner
0% Balance Transfer 0% Purchase

Sainsburys Nectar Purchase Credit Card

  • Collect 2 points per £1 spent on Sainsbury's shopping and fuel; 1 point for every £5 spent elsewhere
  • No cash advance fee on Sainsbury’s Travel Money purchases
  • 19 months 0% interest on purchases and balance transfers (transfer fee 3%)
more info
18.9% APR
Representative (variable)
OriginalNectar
No fee
Apply
To get this card you must at least:
  • have a permanent UK address
  • be over 18 years of age
  • not have been declined for credit in the last month
  • not have a history of bad credit
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

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 Platinum Credit Card

2015 award winner
Travel Airline Premium Credit Cards

The Platinum Credit Card

  • Receive 30,000 Membership Rewards® points when you spend £2,000 in the first three months 
  • 1 Membership Reward point for virtually every £1 spent
  • Platinum Travel and Concierge Service, unlimited access to over 700 airport lounges
more info
OriginalAmex Membership Rewards
£450
Annual fee
Apply
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • be a permanent UK resident
  • have an income of £20,000 or more
  • have no history of bad debt

Additional criteria for acceptance from the lender may apply.

Charge card: No interest charges. Balance must be paid in full each month. Annual fee of £450 applies.

Tesco 12 month No Balance Transfer Fee Clubcard Credit Card

2015 award winner
new release 0% Balance Transfer 0% Purchase

Tesco 12 month No Balance Transfer Fee Clubcard Credit Card

  • 1 Clubcard point for every £4 spent in each purchase transaction - in and out of Tesco
  • Online application decision in 60 seconds
more info
18.9% APR
Representative (variable)
OriginalTesco Clubcard Points
No fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

Tesco 33 month Balance Transfer Clubcard Credit Card

2015 award winner
new release 0% Balance Transfer No Annual Fee

Tesco 33 month Balance Transfer Clubcard Credit Card

  • 1 Clubcard point for every £4 spent at Tesco
  • Online application decision in 60 seconds
more info
18.9% APR
Representative (variable)
OriginalTesco Clubcard Points
No fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable).

IHG® Rewards Club Premium Visa®

IHG® Rewards Club Premium Visa®

  • 20,000 IHG® Rewards Club bonus points with your first purchase within 90 days of account opening
  • Earn 4 IHG® Rewards Club points per £1 on all spend at IHG hotels and on spending abroad
  • Earn 2 IHG® Rewards Club points for every £1 on your everyday spending
more info
42.2% APR
Representative (variable)
OriginalIHG Rewards Club
£99
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have an income of £20,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £99 monthly fee, your representative APR is 42.2% APR (variable).

uSwitch Limited is a credit broker, not a lender, for consumer credit products.

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

Compare reward credit cards

Frequently asked questions

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.

What about premium rewards cards?

Premium cards are elite reward cards that give exclusive rewards, like access to VIP lounges, in exchange for a fee.