Compare reward credit cards

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

Sort by popularity Features Rewards Annual fee 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
more info
Nectar Nectar
6.9% APR Representative (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).
2014 award winner limited offer reward travel airline
British Airways American Express Card

British Airways American Express Card

  • 9,000 bonus Avios if you spend £1,000 in your first 3 months
  • Companion Voucher when you spend £20,000 in one year
  • 1 Avios for every £1 spent
  • No annual fee
more info
Avios Avios
15.9% APR Representative (variable)
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
2014 award winner 0% balance transfer 0% purchase reward
M&S Credit Card

M&S Credit Card

  • 15 months 0% on purchases
  • 12 months 0% on balance transfers (2.9% fee)
  • 1 M&S point for every £1 spent
  • 500 M&S points voucher worth £5 for select M&S spending
more info
Mands-points M&S Points
16.9% APR Representative (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).
reward travel airline
TSB Avios Amex/MasterCard

TSB Avios Amex/MasterCard

  • Up to 1 Avios point for every £1 spent
  • Double Avios points when spending abroad
  • MasterCard and American Express cards
  • No annual fee
more info
Avios Avios
17.9% APR Representative (variable)
Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).
2014 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
  • Bonus 2.5% cashback if you spend more than £10,001 in a year
  • £25 annual fee
more info
Cashback Cashback
£25 annual fee
18.7% APR Representative (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
Sainsbury's Bank Nectar Balance Transfer Credit Card

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
Nectar Nectar
18.9% APR Representative (variable)
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
2014 award winner 0% balance transfer reward
Tesco Bank Clubcard Credit Card for 33m Balance Transfer

Tesco Bank Clubcard Credit Card for 33m Balance Transfer

  • 33 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
more info
Tesco-clubcard-points Tesco Clubcard Points
18.9% APR Representative (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% balance transfer 0% purchase reward
Sainsbury's Bank Nectar Low Balance Transfer Fee

Sainsbury's Bank Nectar Low Balance Transfer Fee

  • 12 months 0% on purchases & balance transfers (0.5% fee)
  • Double Nectar points on Sainsbury's shopping
  • 1 Nectar points for every £5 spent elsewhere
more info
Nectar Nectar
18.9% APR Representative (variable)
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
2014 award winner 0% balance transfer reward
Tesco Bank Clubcard Credit Card for 25m Balance Transfer

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
Tesco-clubcard-points Tesco Clubcard Points
18.9% APR Representative (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).
2014 award winner market leading 0% purchase reward
Tesco Bank Clubcard Credit Card for Purchases

Tesco Bank Clubcard Credit Card for Purchases

  • 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
Tesco-clubcard-points Tesco Clubcard Points
18.9% APR Representative (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).
2014 award winner market leading 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 & 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
Tesco-clubcard-points Tesco Clubcard Points
18.9% APR Representative (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% balance transfer 0% purchase reward
Sainsbury's Bank Nectar Credit Card

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
Nectar Nectar
18.9% APR Representative (variable)
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).
2014 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
more info
Cashback Cashback
19.9% APR Representative (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 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
  • No foreign transaction fees
  • £24 annual fee
more info
Avios Avios
£24 annual fee
22.7% APR Representative (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
Lloyds Bank Choice Rewards Amex/MasterCard

Lloyds Bank Choice Rewards Amex/MasterCard

  • Double rewards for the first 6 months on Amex cards
  • Turn points into cashback, vouchers or Avios
  • £24 annual fee
more info
Lloyds-bank-choice-rewards Lloyds Bank Choice Rewards
£24 annual fee
22.7% APR Representative (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).
reward airline
TSB Premier Avios points Amex/MasterCard

TSB Premier Avios points 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
  • MasterCard and American Express cards
  • £50 annual fee
more info
Avios Avios
£50 annual fee
23.7% APR Representative (variable)
Representative example: When you spend £1,200 at a rate of 13.95% (variable) per annum, with a £50 annual fee, your representative APR is 23.7% APR (variable).
2014 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
more info
Nectar Nectar
£25 annual fee
25.0% APR Representative (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).
2014 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
  • 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
more info
Spg-starpoints SPG Starpoints
£75 annual fee
36.2% APR Representative (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
  • No foreign transaction fees
  • £140 annual fee
more info
Avios Avios
£140 annual fee
50.8% APR Representative (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).
2014 award winner limited offer reward travel airline
British Airways American Express Premium Plus

British Airways American Express Premium Plus

  • 25,000 bonus Avios if you spend £3,000 in your 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
  • £150 annual fee
more info
Avios Avios
£150 annual fee
56.4% APR Representative (variable)
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).

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).

uSwitch services are provided at no cost to you, but we may receive compensation from some of the providers.

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.