Compare Reward Credit Cards

Reward credit cards help you earn points which can be exchanged for discounts - compare reward credit cards with uSwitch.

With a reward 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.

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Earn points every time you shop with your M&S Card

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  • 0% on purchases for 15 months.
  • Earn M&S rewards every time you shop
  • 0% on balance transfers for 12 months
  • Get bonus points voucher for 500 M&S points worth £5
16.9% APR

Representative Example: When you spend £1,200 at a rate of 16.90% (variable) per annum, your Representative APR is 16.9% APR (variable).

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Compare reward cards:

Sort by: 		Representative APR (variable) Best benefits
1
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Sainsbury's Bank Nectar Low Rate Credit Card

  • Collect 10 Nectar points per £1 on Sainsbury's shopping for the first 3 months.
  • Collect 4 Nectar points per £1 on Sainsbury's shopping after the first 3 months.
  • Low APR of 7.8%.
  • No annual fee.

7.8% APR

More information

Rewards

Earn 2 points per £1 spent in Sainsbury's store. Earn 1 point per £5 spent when making any other purchase. For the first 3 months from account opening earn extra 6 points per £1 spent in Sainsbury's store on the first £1,000 of qualifying spend per month.

More details

  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: none
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 7.84% (variable) per annum, your Representative APR is 7.8% APR (variable).

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MBNA More Rewards Credit Card Account

  • Two cards and one account - earn rewards points for every purchase you make.
  • 2 points for every pound you spend on the Amex and 1 point for every pound you spend on the Visa card.
  • Double points for the first 90 days.

12.9% APR

More information

Rewards

Double points on all spend within the first 90 days of opening. 2 points earned per £1 spent on Amex card, 1 point per £1 spent on Visa card. Points can be redeemed on over 35,000 items including household appliances to high street vouchers. Points spent on exclusive MBNA rewards wesbite, access via Online Banking only, or converted to donations for selected charities.

More details

  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: none
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).

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The AA Rewards Credit Card

  • Double points when you buy fuel – 1% cashback for members and 0.5% for non-members.
  • Multi-purpose AA credit card offering 0% on purchases for 10 months and AA reward points on all purchases.
  • 0% on balance transfers for 12 months.

16.9% APR

More information

Rewards

Applies to eligible card purchases. Reward of 1 point for every full £2 spent, with 1 point for every £1 spent on Fuel, Motoring or AA product purchases. Reward points can be redeemed at any time on a range of products and services from AA, motoring and travel products, shopping vouchers and cash back. Points are worth more if redeemed on AA products. Spend £50 on fuel and £100 on supermarket and other shopping a week, earn 5,200 points a year, which can equal over £25 cash back or over £100 of AA products.

More details

  • 0% on purchases for 10 months
  • 0% on balance transfer for 12 months
  • 3% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £20,000
  • Min age is 23
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).

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NatWest YourPoints World MasterCard

  • 15 months 0% interest on purchases
  • 15 months 0% interest on balance transfers
  • Earn double YourPoints per £1 spent for 15 months from account opening with 2,500 bonus points when you open an account

16.9% APR

More information

Rewards

Earn 1 point for every £1 spent on card. Points can be redeemed for a huge choice of rewards from flights and holidays, shopping vouchers, spa experiences and theatre nights. Customers will receive 2,500 bonus points shortly after receiving the card and each year thereafter. 9 months double points from account opening.

  • Travel Service
    Up to 6% discount. NatWest Travel Service operated by Thomas Cook

More details

  • 0% on purchases for 15 months
  • 0% on balance transfer for 15 months
  • 2.9% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £10,000
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 16.95% (variable) per annum, your Representative APR is 16.9% APR (variable).

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Top three for Best Cashback and Rewards.

M&S Credit Card

  • 0% on purchases for 15 months.
  • M&S rewards – earn M&S points every time you shop with your card.
  • 12 months on balance transfers made within 60 days of account opening (2.9% fee applies, minimum £5).

16.9% APR

More information

Rewards

1 point will be earned for every full £1 spent in Marks and Spencers UK stores, catalogues, internet and Outlets and Simply Food. 1 point will be earned for every £2 spent outside of Marks & Spencer. 100 points = £1 reward voucher. Bonus points will be awarded when purchasing selected merchandise advertised in the personalised rewards brochure or in stores (except Outlets). Points will be converted into reward vouchers four times a year and sent to the customers with the Loyalty statement. Remaining points will be carried over to the next collection period. Rewards vouchers can be redeemed in all Marks and Spencer's UK stores but not via catalogue or internet. Points cannot be exchanged for cash or gift vouchers.

  • Travel and/or Hotel Savings
    up to 8% saving with Travel Club. No booking fee with Credit Card.

More details

  • 0% on purchases for 15 months
  • 0% on balance transfer for 12 months
  • 2.9% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: none
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 16.9% (variable) per annum, your Representative APR is 16.9% APR (variable).

6
Original Most popular!

Tesco Bank Clubcard Credit Card for Purchases

  • 0% on purchases for 16 months and 1 point for every £4 spent in each purchase transaction (£4 min). Must have available credit.
  • 0% on balance transfers for 9 months.

16.9% APR

More information

Rewards

5 points awarded per £4 spent in Tesco Stores and on fuel at Tesco Petrol Filling Stations (excludes Esso Fuel). 1 point awarded per £4 spent elsewhere. 1 point awarded per £4 spent in each purchase transaction (£4 min). Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points. Cardholders can take advantage of Tesco's exclusive Buy Now Pay Later offers through Tesco Direct, whereby upon purchasing selected items over £250 with the Tesco Credit Card there is the potential to receive 0% interest free for 6 months on that purchase.

  • Travel and/or Hotel Savings
    No cash advance fee and no handling fee on Tesco Travel Money and 0% commission on non-Sterling Travellers Cheques.

More details

  • 0% on purchases for 16 months
  • 0% on balance transfer for 9 months
  • 2.9% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £5,000
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 16.945% (variable) per annum, your Representative APR is 16.9% APR (variable).

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RBS YourPoints World MasterCard

  • 15 months 0% interest on purchases
  • 15 months 0% interest on balance transfers
  • Earn double YourPoints per £1 spent for 15 months from account opening with 2,500 bonus points when you open an account

16.9% APR

More information

Rewards

Earn 1 point for every £1 spent on card. Points can be redeemed for a huge choice of rewards from flights and holidays, shopping vouchers, spa experiences and theatre nights. Customers will receive 2,500 bonus points shortly after receiving the card and each year thereafter. 9 months double points from account opening.

  • Travel and/or Hotel Savings
    10% off UK short breaks with Superbreak

  • Travel Service
    Up to 6% discount. RBS Travel Service operated by Thomas Cook

More details

  • 0% on purchases for 15 months
  • 0% on balance transfer for 15 months
  • 2.9% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £10,000
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 16.95% (variable) per annum, your Representative APR is 16.9% APR (variable).

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The AA Balance Transfer Credit Card Visa

  • Primarily a balance transfer card, offering 0% on balance transfers for 16 months.
  • Like other AA credit cards, the card gives AA reward points on all card purchases.

17.9% APR

More information

Rewards

Applies to all card purchases. Reward of 1 point for every full £2 spent, with 1 point for every £1 spent on Fuel, Motoring or AA product purchases. Reward points can be redeemed at any time on a range of products and services from AA, motoring and travel products, shopping vouchers and cash back. Points are worth more if redeemed on AA products. Spend £50 on fuel and £100 on supermarket and other shopping a week, earn 5,200 points a year, which can equal over £25 cash back or over £100 of AA products.

More details

  • 0% on purchases for 3 months
  • 0% on balance transfer for 16 months
  • 2.9% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £20,000
  • Min age is 23
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).

9
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Sainsbury's Bank Nectar Credit Card

  • The Nectar credit card is primarily a reward card offering Nectar points on Sainsbury's shopping.
  • 0% on balance transfers for 15 months.
  • 0% interest on purchases for 6 months.

17.9% APR

More information

Rewards

Earn 2 points per £1 spent in Sainsbury's store. Earn 1 point per £5 spent when making any other purchase. For the first 3 months from account opening earn extra 6 points per £1 spent in Sainsbury's stores on the first £1,000 of qualifying spend per month.

More details

  • 0% on purchases for 6 months
  • 0% on balance transfer for 15 months
  • 3% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: none
  • Min age is 18
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

10
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Barclaycard Freedom Rewards Visa

  • Designed for people with a limited credit history - you are unlikely to be accepted if you have received a CCJ or defaulted on a payment in the last 2 years
  • 10,500 Freedom bonus points worth £30 when you spend £500 or more in the first 3 months (terms and conditions apply)
  • 0% interest on balance transfers for 9 months (2.9% handling fee applies)
  • Collect double Freedom points on UK supermarket and petrol station spend, triple points at selected Freedom partners.

24.9% APR

More information

Rewards

Earn one point per £1 spend, earn two points per £1 spend in UK supermarkets and petrol stations, earn three points per £1 at selected Freedom partners. Points can be redeemed at around 70 reward partners. £30 Freedom Rewards bonus points when you spend £500 or more in first 3 months.

  • Travel Service
    Offers discount through Travel Service on tour operator price and booking fee waived for holidays paid for with card.

More details

  • 0% on balance transfer for 9 months
  • 2.9% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £20,000
  • Min age is 21
  • Not available for customers with a CCJ

Representative example: When you spend £1,200 at a rate of 24.9% (variable) per annum, your Representative APR is 24.9% APR (variable).

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Winner - Best Email Customer Service.

The American Express Nectar Credit Card

  • 10,000 Nectar bonus points when you spend and charge £1,000 to your account in your first 3 months.
  • 2 points for virtually every full £1 spent elsewhere.
  • £25 annual fee applies.

25.0% APR

More information

Rewards

Up to 4 Nectar points earned for every £1 spent at Nectar sponsors, 2 Nectar point earned for every £1 spent elsewhere. 10,000 bonus Nectar points if £1,000 spent on card in first three months. American Express and Nectar reserve the right to vary the rate at which points are collected.

  • Travel Service
    Travel hotline to help plan and book holidays.

More details

  • Annual fee of £25

Can I get this card?

  • Not available to existing customers
  • Min income required: £30,000
  • Min age is 18
  • Not available for customers with a CCJ

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).

12
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Winner - Best Email Customer Service.

The Starwood Preferred Guest® Credit Card from American Express

  • A reward card offering complimentary hotel and flight bookings with a higher than average £75 annual fee.
  • Welcome bonus of 20,000 Starpoints if you spend £1,000 in the first 3 months - enough for 5 free nights in a top class hotel.

36.2% APR

More information

Rewards

Earn 1 Starpoint for every full £1 per transaction spent on card. 20,000 bonus Starpoints if £1,000 spent on card in first three months.

  • Flight delay/cancellation Insurance
    Free Travel Inconvenience Insurance.

  • Lost/Delayed Luggage Insurance
    £600 for baggage delayed by airline for 6 hours. Additional £850 for extended baggage delay by airline

More details

  • Annual fee of £75

Can I get this card?

  • Not available to existing customers
  • Min income required: £30,000
  • Min age is 18
  • Not available for customers with a CCJ

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).

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.