Promotion

Earn double points in supermarkets, petrol stations and TFL

  • Earn Freedom Reward points wherever you shop
  • 0% on balance transfers for 9 months

18.9% APR Representative (variable)

Compare reward credit cards

Reward credit cards help you earn points which can be exchanged for discounts - compare the best reward credit cards with uSwitch so you can tell your AA Rewards from your Nectar Credit Card.

Sort by popularity Features APR
reward low apr
Sainsbury's Bank Nectar Low Rate Credit Card

Sainsbury's Bank Nectar Low Rate Credit Card

  • 6.9% rate with no monthly or annual fee
  • Double Nectar points on Sainsbury's shopping
  • 1 Nectar point for every £5 spent elsewhere
Representative 6.9% APR variable
Representative example: When you spend £1,200 at a rate of 6.95% (variable) per annum, your Representative APR is 6.9% APR (variable).
0% balance transfer 0% purchase reward
Sainsbury's Bank Nectar Credit Card

Sainsbury's Bank Nectar Credit Card

  • 16 months 0% on purchases
  • 16 months 0% on balance transfers
  • Up to 2 Nectar points for every £1 spent
Representative 16.9% APR variable
Representative example: When you spend £1,200 at a rate of 16.94% (variable) per annum, your Representative APR is 16.9% APR (variable).
award winner 0% balance transfer 0% purchase reward
M&S Credit Card

M&S Credit Card

  • 15 months 0% on purchases
  • 1 M&S point for every £1 spent
  • 12 months 0% on balance transfers
  • 2.9% balance transfer fee
Representative 16.9% APR variable
Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).
award winner reward
John Lewis and Waitrose Partnership MasterCard

John Lewis and Waitrose Partnership MasterCard

  • 1 point for every £1 spent in-store or online at John Lewis and Waitrose
  • 1 point for every £2 spent elsewhere
  • Every 500 points earned is worth £5 in vouchers
Representative 16.9% APR variable
Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).
award winner reward cashback
American Express Platinum Cashback Card

American Express Platinum Cashback Card

  • 5% cashback in your first 3 months (up to £125)
  • 1.25% cashback on all spending thereafter
  • £25 annual fee
  • Bonus 2.5% cashback available if you spend more than £10,001 in a year
Representative 18.7% APR variable
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).
most popular 0% balance transfer reward
Tesco Bank Clubcard Credit Card for Balance Transfer

Tesco Bank Clubcard Credit Card for Balance Transfer

  • 30 months 0% on balance transfers
  • 2.9% balance transfer fee
  • Up to 5 Clubcard points for every £4 spent
Representative 18.9% APR variable
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your Representative APR is 18.9% APR (variable).
0% purchase reward
Tesco Bank Clubcard Credit Card for Purchases

Tesco Bank Clubcard Credit Card for Purchases

  • 18 months 0% on purchases
  • Up to 5 Clubcard points for every £4 spent
  • 3 months 0% on balance transfers
Representative 18.9% APR variable
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your Representative APR is 18.9% APR (variable).
reward
Barclaycard Freedom Rewards

Barclaycard Freedom Rewards

  • 10,500 Freedom points (worth £30) when you spend £500 or more in your first 3 months
  • Double points with supermarkets, petrol stations and TFL
  • Triple points at selected retailers
  • 0% on balance transfers for 9 months
Representative 18.9% APR variable
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your Representative APR is 18.9% APR (variable).
0% balance transfer 0% purchase reward
Tesco Bank Clubcard Credit Card with Low Balance Transfer Fee

Tesco Bank Clubcard Credit Card with Low Balance Transfer Fee

  • 12 months 0% on purchases
  • 12 months 0% on balance transfers
  • 0.65% balance transfer fee
  • Up to 5 Clubcard points for every £4 spent
Representative 18.9% APR variable
Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your Representative APR is 18.9% APR (variable).
award winner reward cashback
American Express Platinum Cashback Everyday Card

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
Representative 19.9% APR variable
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your Representative APR is 19.9% APR (variable).
0% balance transfer 0% purchase reward
Lloyds Bank Choice Rewards Amex/MasterCard

Lloyds Bank Choice Rewards Amex/MasterCard

  • Choice of rewards for your everyday spend
  • Turn points into cashback, vouchers or Avios
  • Double rewards for the first 6 months on Amex card
  • 13 months 0% on balance transfers
  • 13 months 0% on purchases
Representative 22.7% APR variable
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, with a £24 annual fee, your Representative APR is 22.7% APR (variable).
0% balance transfer 0% purchase reward travel airline
Lloyds Bank Avios Rewards Amex/MasterCard

Lloyds Bank Avios Rewards Amex/MasterCard

  • Up to 1.25 Avios for every £1 spent
  • Double Avios in your first 6 months
  • 13 months 0% on balance transfers
  • 13 months 0% on purchases
  • £24 annual fee
Representative 22.7% APR variable
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, with a £24 annual fee, your Representative APR is 22.7% APR (variable).
award winner reward
The American Express Nectar Credit Card

The 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
  • £25 annual fee
Representative 25.0% APR variable
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £25 annual fee, your Representative APR is 25.0% APR (variable).
award winner reward travel airline
The Starwood Preferred Guest® Credit Card from American Express

The Starwood Preferred Guest® Credit Card from American Express

  • 1 Starpoint for every £1 spent
  • Redeem points on flights and luxury hotels
  • 20,000 bonus Starpoints when you spend £2,000 in your first 3 months
  • Free Weekend Night Award when you spend £15,000 in one year
  • £75 annual fee
Representative 36.2% APR variable
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).
0% balance transfer 0% purchase reward travel airline
Lloyds Bank Premier Avios Rewards Amex/MasterCard

Lloyds Bank Premier Avios Rewards Amex/MasterCard

  • 1.5 Avios for every £1 spent
  • Double Avios in your first 6 months
  • 13 months 0% on balance transfers
  • 13 months 0% on purchases
  • £140 annual fee
Representative 50.8% APR variable
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, with a £140 annual fee, your Representative APR is 50.8% APR (variable).

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this credit card comparison service with information provided by Moneyfacts.co.uk who are authorised and regulated by the Financial Conduct Authority (FSA FRN 486048).

About reward credit cards

With a reward credit card like AA Rewards or Nectar Credit Card, each time you spend you get something back in reward points, such as AA, Nectar or Clubcard 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.