Promotion

American Express Cashback Everyday Card

Get 5% cashback in your first 3 months up to £100*

  • 5% cashback on up to £2,000 of purchases in your first 3 months of Cardmembership*
  • Up to 1.25% thereafter*
19.9% APR Representative Variable *Terms apply

Compare reward credit cards

Reward credit cards help you earn points which can be exchanged for merchandise, travel and discounts.
Sort by popularity Features Rewards Annual fee APR
2014 award winner reward travel airline instant decision
British Airways American Express® Credit Card

British Airways American Express® Credit Card

  • 9,000 Avios when spending £1000 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
Avios Avios
15.9% APR Representative (variable)
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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 limited offer reward travel airline instant decision
British Airways American Express® Premium Plus Card

British Airways American Express® Premium Plus Card

  • 25,000 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
Avios Avios
£150 annual fee
56.4% APR Representative (variable)
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).
2014 award winner 0% balance transfer 0% purchase reward no annual fee
M&S Credit Card

M&S Credit Card

  • 19 months 0% on purchases
  • 12 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
Mands-points M&S Points
18.9% APR Representative (variable)
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).
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
23.7% APR Representative (variable)
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).
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
23.7% APR Representative (variable)
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).
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
52.1% APR Representative (variable)
Apply
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).
0% balance transfer 0% purchase reward no annual fee
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)
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).
0% balance transfer reward no annual fee
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)
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).
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)
Apply
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 reward travel airline instant decision
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
  • Application response in 60 seconds
more info
Spg-starpoints SPG Starpoints
£75 annual fee
36.2% APR Representative (variable)
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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).
2014 award winner market leading 0% balance transfer 0% purchase reward instant decision
No Balance Transfer Fee Tesco Clubcard Credit Card

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
Tesco-clubcard-points Tesco Clubcard Points
18.9% APR Representative (variable)
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).
most popular 2014 award winner 0% purchase reward
Tesco Bank Purchase card with 1000 points

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
Tesco-clubcard-points Tesco Clubcard Points
18.9% APR Representative (variable)
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).
2014 award winner market leading 0% purchase reward no annual fee
Tesco Bank 19 Month Purchase Clubcard Credit Card

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
Tesco-clubcard-points Tesco Clubcard Points
18.9% APR Representative (variable)
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).
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)
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).
2014 award winner 0% balance transfer reward instant decision
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
  • Application decision in 60 seconds
more info
Tesco-clubcard-points Tesco Clubcard Points
18.9% APR Representative (variable)
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).
reward travel airline
TSB Premier Avios Amex/MasterCard

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
Avios Avios
£50 annual fee
23.7% APR Representative (variable)
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).
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
  • 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider
  • No annual fee
more info
Avios Avios
17.9% APR Representative (variable)
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).
2014 award winner reward cashback instant decision
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
  • Application response in 60 seconds
more info
Cashback Cashback
19.9% APR Representative (variable)
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).
2014 award winner reward cashback instant decision
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
  • Application response in 60 seconds
more info
Cashback Cashback
£25 annual fee
18.7% APR Representative (variable)
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).
2014 award winner reward instant decision
American Express Nectar Credit Card

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
Nectar Nectar
£25 annual fee
25.0% APR Representative (variable)
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).
Charge Card 2014 award winner new release reward travel airline
American Express Preferred Rewards Gold Card

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
Amex-membership-rewards Amex Membership Rewards
£125 annual fee
Apply
Charge card: No interest charges. Balance must be paid in full each month. Annual fee of £125 applies.

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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.