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 Premium Credit Cards

British Airways American Express® Credit Card

Features
  • 3000 Avios when spending £500 within the first 3
  • Companion Voucher when you spend £20000 in one year
  • 1 Avios for every £1 spent
more info
15.9%
Representative (variable)
OriginalAvios
No fee
Apply
To get this card you must 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 and have been trading for 6 months if self-employed.
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 Premium Credit Cards

British Airways American Express® Premium Plus Credit Card

Features
  • 18000 Avios when spending £3000 within the first 3 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%
Representative (variable)
OriginalAvios
£150
Annual fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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

Features
  • 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%
Representative (variable)
OriginalM&S Points
No fee
Apply
To get this card you must have a good credit rating, be 18 or older and be a permanent UK resident.
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 Premium Credit Cards

Emirates Skywards Elite Credit Card

Features
  • 20,000 Bonus Skyward Miles if you spend £2,000 within 90 days
  • 0% on money and balance transfers for up to 6 months, 2% handling fee (£3 min)
  • 0% on Emirates flights for up to 12 months
more info
54.9%
Representative (variable)
OriginalEmirates Skywards
£150
Annual fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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

Features
  • 10,000 Bonus Skyward Miles if you spend £1,000 within 90 days
  • 0% on money and balance transfers for up to 6 months (2% handling fee)
  • 0% on Emirates flights for up to 12 months
more info
17.9%
Representative (variable)
OriginalEmirates Skywards
No fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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 Premium Credit Cards

Lloyds Bank Avios Rewards Amex/MasterCard

Features
  • Up to 1.25 Avios for every £1 spent (double in first 6 months)
  • No foreign transaction fees
  • £24 annual fee
more info
23.7%
Representative (variable)
OriginalAvios
£24
Annual fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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).

No Balance Transfer Fee Credit Card

0% Balance Transfer 0% Purchase Reward No Annual Fee

No Balance Transfer Fee Credit Card

Features
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • No cash advance fee on Travel Money purchases
more info
18.9%
Representative (variable)
OriginalNectar
No fee
Apply
To get this card you must be a permanent UK resident, be 18 or older, have a good credit rating, not have been declined for credit in the last month and not be an existing Sainsbury's Bank Credit Card holder.
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

Features
  • 34 months 0% on balance transfers
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • 2.89% transfer fee (first 3 months), 3% thereafter
more info
18.9%
Representative (variable)
OriginalNectar
No fee
Apply
To get this card you must be a permanent UK resident, be 18 or older, have a good credit rating, not have been declined for credit in the last month and not be an existing Sainsbury's Bank Credit Card holder.
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

Reward Low APR

Sainsbury's Bank Nectar Low Rate Credit Card

Features
  • 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%
Representative (variable)
OriginalNectar
No fee
Apply
To get this card you must be a permanent UK resident, be 18 or older, have a good credit rating, not have been declined for credit in the last month and not be an existing Sainsbury's Bank Credit Card holder.
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

Reward Travel Airline Instant Decision Premium Credit Cards

The Starwood Preferred Guest® Credit Card from American Express

Features
  • 1 Starpoint per £1 spent. 10000 point bonus for £1,000 spend in first 3 months
  • Redeem points on flights and luxury hotels
  • Free Weekend Night Award when you spend £25000 in one year
more info
36.2%
Representative (variable)
OriginalSPG Starpoints
£75
Annual fee
Apply
To get this card you must be a permanent UK resident.
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

Features
  • No balance transfer fee
  • 12 months 0% on purchases & balance transfers (0% fee)
  • 5 Clubcard points for every £4 spent in Tesco, 1 for every £4 spent elsewhere
more info
18.9%
Representative (variable)
OriginalTesco Clubcard Points
No fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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

Features
  • 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
  • 5 Clubcard points for every £4 spent in Tesco, 1 for every £4 spent elsewhere
more info
18.9%
Representative (variable)
OriginalTesco Clubcard Points
No fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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

Features
  • 19 months 0% on purchases
  • 3 months 0% on balance transfers (2.9% fee)
  • 5 Clubcard points for every £4 spent in Tesco, 1 for every £4 spent elsewhere
more info
18.9%
Representative (variable)
OriginalTesco Clubcard Points
No fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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

Features
  • 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%
Representative (variable)
OriginalTesco Clubcard Points
No fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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

Features
  • 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 spent elsewhere
more info
18.9%
Representative (variable)
OriginalTesco Clubcard Points
No fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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 Premium Credit Cards

TSB Premier Avios Amex/MasterCard

Features
  • Up to 1.25 Avios points for every £1 spent (double when spending abroad)
  • Companion ticket when you spend £15000 in one year
  • 1500 bonus Avios for every £1000 balance transferred from a single provider
more info
23.7%
Representative (variable)
OriginalAvios
£50
Annual fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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 Premium Credit Cards

TSB Avios Amex/MasterCard

Features
  • Up to 1 Avios point for every £1 spent
  • Double Avios points when spending abroad
  • 1500 bonus Avios for every whole £1000 balance you transfer from a single provider
more info
17.9%
Representative (variable)
OriginalAvios
No fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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 No Annual Fee

American Express Platinum Cashback Everyday Card

Features
  • 5% cashback in your first 3 months (up to £100)
  • Up to 1.25% cashback thereafter
more info
19.9%
Representative (variable)
OriginalCashback
No fee
Apply
To get this card you must be a permanent UK resident, be 18 or older, have an income of £20,000 or more and have a good credit rating.
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 Premium Credit Cards

American Express Platinum Cashback Card

Features
  • 5% cashback in your first 3 months (up to £125) 1.25% cashback thereafter
  • Bonus 2.5% cashback if you spend more than £10001 in a year
  • £25 annual fee
more info
18.7%
Representative (variable)
OriginalCashback
£25
Annual fee
Apply
To get this card you must be a permanent UK resident, be 18 or older, have an income of £20,000 or more and have a good credit rating.
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

Features
  • 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%
Representative (variable)
OriginalNectar
£25
Annual fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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 Premium Credit Cards

American Express Preferred Rewards Gold Card

Features
  • 2 points for virtually every £1 spent (major petrol stations & supermarkets) in first year
  • 2 points per £1 for most spending abroad, 2 airport VIP lounge passes
  • £0 annual fee in the first year
more info
OriginalAmex Membership Rewards
£125
Annual fee
Apply
To get this card you must be 18 or older, have a current UK bank or building society account, be a vpermanent UK resident, have an income of £20,000 or more and have no history of bad debt.
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

Features
  • Double Freedom points on UK supermarket, petrol station and all Transport for London
  • 0% interest on balance transfers for the first 18 months (2% fee applies)
  • 0% interest on purchases for 6 months from account opening
more info
21.9%
Representative (variable)
OriginalBarclaycard Freedom Rewards
No fee
Apply
To get this card you must be a permanent UK resident, be 21 or older, have an income of £20,000 or more and have a good credit rating.
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 Premium Credit Cards

Virgin Atlantic Black Credit Card Account

Features
  • 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%
Representative (variable)
OriginalVirgin Atlantic Flying Club Miles
£140
Annual fee
Apply
To get this card you must be 18 or older, be a UK resident and have a building society account.
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 Premium Credit Cards

Virgin Atlantic White Credit Card Account

Features
  • 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 and money transfers for up to 6 months
more info
17.9%
Representative (variable)
OriginalVirgin Atlantic Flying Club Miles
No fee
Apply
To get this card you must be 18 or older, be a UK resident and have a building society account.
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 Premium Credit Cards

NatWest Cashback Plus Credit Card

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

0% Balance Transfer 0% Purchase Reward

Sainsburys Nectar Purchase Card

Features
  • 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%
Representative (variable)
OriginalNectar
No fee
Apply
To get this card you must 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 and not be an existing Sainsbury's Bank Credit Card holder.
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% 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.