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Check your eligibility for credit cards

See if you are likely to get a credit card - it's quick, free, and won't affect your credit score.

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British Airways American Express® Credit Card

British Airways American Express® Credit Card

2016 award winner

British Airways American Express® Credit Card

  • 9,000 bonus Avios when spending £1,000 within the first 3 months
  • Companion voucher when you spend £20,000 in one year
  • 1 Avios point for every £1 spent
22.9% APR
Representative (variable)
Avios Avios
No fee
Can I get this card?
?
To get this card you must at least:
  • 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
  • have been trading for 6 months if self-employed

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
British Airways  American Express® Premium Plus Credit Card

British Airways American Express® Premium Plus Credit Card

2016 award winner

British Airways American Express® Premium Plus Credit Card

  • 25,000 bonus Avios when spending £3,000 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
76.0% APR
Representative (variable)
Avios Avios
£195
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, with a £195 annual fee, your representative APR is 76.0% APR (variable)
M&S Credit Card

M&S Credit Card

M&S Credit Card

  • 25 months 0% on purchases; 25 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, 1 point per £5 spent elsewhere
18.9% APR
Representative (variable)
M&S Points M&S Points
No fee
Can I get this card?
?
To get this card you must at least:
  • have a good credit rating
  • be 18 or older
  • be a permanent UK resident

Additional criteria for acceptance from the lender may 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)
Sainsbury's Bank No Balance Transfer Fee Credit Card

Sainsbury's Bank No Balance Transfer Fee Credit Card

Sainsbury's Bank No Balance Transfer Fee Credit Card

  • Offer only available until 29 Dec 2016
  • 18 months 0% on balance transfers
  • 0% balance transfer fee on transfers made in the first 3 months (3% thereafter, £3 minimum fee)
18.9% APR
Representative (variable)
Nectar Nectar
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may 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)
Sainsbury's Bank Low Rate Credit Card

Sainsbury's Bank Low Rate Credit Card

Sainsbury's Bank Low Rate Credit Card

  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
5.9% APR
Representative (variable)
Nectar Nectar
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 5.94% (variable) per annum, your representative APR is 5.9% APR (variable)
The Starwood Preferred Guest® Credit Card from American Express

The Starwood Preferred Guest® Credit Card from American Express

2016 award winner

The Starwood Preferred Guest® Credit Card from American Express

  • 1 Starpoint per £1 spent. 10000 point bonus for £1,000 spend in first three months
  • Redeem points on flights and luxury hotels
36.2% APR
Representative (variable)
SPG Starpoints SPG Starpoints
£75
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident

Additional criteria for acceptance from the lender may apply.

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)
Tesco Bank 24 Month Clubcard Credit Card with 0% Balance Transfer Fee

Tesco Bank 24 Month Clubcard Credit Card with 0% Balance Transfer Fee

Tesco Bank 24 Month Clubcard Credit Card with 0% Balance Transfer Fee

  • The 0% offer applies to any balances transferred within the first 90 days of opening your account
  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • Online application decision in 60 seconds
18.9% APR
Representative (variable)
Tesco Clubcard Points Tesco Clubcard Points
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may 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)
Tesco Bank Purchase Credit Card with 1000 Points

Tesco Bank Purchase Credit Card with 1000 Points

Tesco Bank Purchase Credit 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 two months of account opening (terms apply)
  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
18.9% APR
Representative (variable)
Tesco Clubcard Points Tesco Clubcard Points
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may 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)
Tesco Bank Clubcard Credit Card for 32m Balance Transfer

Tesco Bank Clubcard Credit Card for 32m Balance Transfer

Tesco Bank Clubcard Credit Card for 32m Balance Transfer

  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • 1 Clubcard point for every £4 spent elsewhere
  • 0% offer is applied to any balances transferred within the first 90 days of opening your account.
18.9% APR
Representative (variable)
Tesco Clubcard Points Tesco Clubcard Points
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may 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)
Tesco Bank Clubcard Credit Card for 40 Month Balance Transfer

Tesco Bank Clubcard Credit Card for 40 Month Balance Transfer

Tesco Bank Clubcard Credit Card for 40 Month Balance Transfer

  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • 0% offer is applied to any balances or money transferred within the first 90 days of opening your account.
18.9% APR
Representative (variable)
Tesco Clubcard Points Tesco Clubcard Points
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may 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)
American Express Platinum Cashback Everyday Credit Card

American Express Platinum Cashback Everyday Credit Card

2016 award winner

American Express Platinum Cashback Everyday Credit Card

  • Earn 3% cashback up to £15 on Amazon purchases within 3 months of Cardmembership: only available until 31 Jan 2017
  • 5% cashback in your first three months (up to £100)
  • Up to 1% cashback thereafter
22.9% APR
Representative (variable)
Cashback Cashback
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £20,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
American Express Platinum Cashback Credit Card

American Express Platinum Cashback Credit Card

2016 award winner

American Express Platinum Cashback Credit Card

  • Earn 3% cashback up to £15 on Amazon purchases within 3 months of Cardmembership: only available until 31 Jan 2017
  • 5% cashback in your first three months (up to £125)
  • 1% cashback on balances of up to £10k and 1.25% cashback on £10k or more
  • £25 annual fee
28.2% APR
Representative (variable)
Cashback Cashback
£25
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £20,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, with a £25 annual fee, your representative APR is 28.2% APR (variable)
American Express Nectar Credit Card

American Express Nectar Credit Card

2016 award winner

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)
25.0% APR
Representative (variable)
Nectar Nectar
£25
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

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)
American Express Preferred Rewards Gold Card

American Express Preferred Rewards Gold Card

2016 award winner

American Express Preferred Rewards Gold Card

  • 20,000 bonus Membership Rewards points when you spend £2,000 in your first three months
  • 1 points for virtually every £1 spent and 1 additional point for every £1 spent directly with airlines
  • No annual fee in the first year
Amex Membership Rewards Amex Membership Rewards
£140
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • be a permanent UK resident
  • have an income of £20,000 or more
  • have no history of bad debt

Additional criteria for acceptance from the lender may apply.

Charge card: No interest charges. Balance must be paid in full each month. Annual fee of £140 applies
Barclaycard Freedom Rewards Credit Card

Barclaycard Freedom Rewards Credit Card

2016 award winner

Barclaycard Freedom Rewards Credit Card

  • 0.15% balance transfer fee after refund
  • Double Freedom points on UK supermarket, petrol station and all Transport for London
21.9% APR
Representative (variable)
Barclaycard Freedom Rewards Barclaycard Freedom Rewards
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have an income of £20,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 21.9% (variable) per annum, your representative APR is 21.9% APR (variable)
Barclaycard Hilton HHonors Platinum Credit Card

Barclaycard Hilton HHonors Platinum Credit Card

2016 award winner

Barclaycard Hilton HHonors Platinum Credit Card

  • 2500 points for first 4 Hilton hotel stays (terms apply)
  • Three points for every £1 spent at Hilton hotels; two points for £1 spent elsewhere
  • Spend £750 in first 90 days get free hotel stay (terms apply)
  • 0% on balance transfers for 15 months (2.99% fee applies)
18.9% APR
Representative (variable)
Hilton HHonors Points Hilton HHonors Points
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may 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)
Virgin Atlantic Black Credit Card Account

Virgin Atlantic Black Credit Card Account

2016 award winner

Virgin Atlantic Black Credit Card Account

  • 18,500 miles with your first card purchase made within 90 days of account opening
  • The chance to earn upgrades, a companion reward flight and more. (Terms apply)
  • £140 annual fee
57.4% APR
Representative (variable)
Virgin Atlantic Flying Club Miles Virgin Atlantic Flying Club Miles
£140
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, with a £140 annual fee, your representative APR is 57.4% APR (variable)
Virgin Atlantic White Credit Card Account

Virgin Atlantic White Credit Card Account

2016 award winner

Virgin Atlantic White Credit Card Account

  • 3,000 miles with your first card purchase made within 90 days of account opening.
  • The chance to earn upgrades, a companion reward flight and more (Terms apply
  • No annual fee
22.9% APR
Representative (variable)
Virgin Atlantic Flying Club Miles Virgin Atlantic Flying Club Miles
No fee
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
NatWest Reward Credit Card

NatWest Reward Credit Card

NatWest Reward Credit Card

  • Limited offer - 0.5% on other purchases plus 1% if you use contactless until 31 June 2016
  • 1% in all supermarkets (0.5% at their petrol stations)
23.7% APR
Representative (variable)
Cashback Cashback
£24
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £10,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £24 annual fee, your representative APR is 23.7% APR (variable)
Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

Sainsburys Nectar Purchase Credit Card

  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
18.9% APR
Representative (variable)
Nectar Nectar
No fee
Can I get this card?
?
To get this card you must at least:
  • 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
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may 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)
American Express The Platinum Card

American Express The Platinum Card

2016 award winner

American Express The Platinum Card

  • Receive 30,000 Membership Rewards® points when you spend £2,000 in the first three months 
  • 1 Membership Reward point for virtually every £1 spent
  • Platinum Travel and Concierge Service, unlimited access to over 700 airport lounges
Amex Membership Rewards Amex Membership Rewards
£450
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • be a permanent UK resident
  • have an income of £20,000 or more
  • have no history of bad debt

Additional criteria for acceptance from the lender may apply.

Charge card: No interest charges. Balance must be paid in full each month. Annual fee of £450 applies
Tesco Bank 12 month No Balance Transfer Fee Clubcard Credit Card

Tesco Bank 12 month No Balance Transfer Fee Clubcard Credit Card

Tesco Bank 12 month No Balance Transfer Fee Clubcard Credit Card

  • Earn Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • Online application decision in 60 seconds
18.9% APR
Representative (variable)
Tesco Clubcard Points Tesco Clubcard Points
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may 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)
Royal Bank of Scotland Reward Credit Card MasterCard

Royal Bank of Scotland Reward Credit Card MasterCard

Royal Bank of Scotland Reward Credit Card MasterCard

  • Limited offer - 0.5% on other purchases plus 1% if you use contactless until 31 June 2016
  • 1% in all supermarkets (0.5% at their petrol stations)
17.4% APR
Representative (variable)
Cashback Cashback
£24
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

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)
Tesco Bank Clubcard Credit Card for Money Transfers

Tesco Bank Clubcard Credit Card for Money Transfers

Tesco Bank Clubcard Credit Card for Money Transfers

  • 40 months 0% for money transfers (3.94% fee)
  • 0% offer is applied to any balances or money transferred within the first 90 days of opening your account.
18.9% APR
Representative (variable)
Tesco Clubcard Points Tesco Clubcard Points
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may 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)
Tesco Bank Clubcard Credit Card with  Low APR

Tesco Bank Clubcard Credit Card with Low APR

Tesco Bank Clubcard Credit Card with Low APR

  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
  • Online application decision in 60 seconds
5.9% APR
Representative (variable)
Tesco Clubcard Points Tesco Clubcard Points
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 5.9% (variable) per annum, your representative APR is 5.9% APR (variable)
Sainsbury's Bank 33 month Balance Transfer Credit Card

Sainsbury's Bank 33 month Balance Transfer Credit Card

Sainsbury's Bank 33 month Balance Transfer Credit Card

  • 1.5% balance transfer fee in the first 3 months refunded to 0.69% (3% thereafter, £3 min fee at all times)
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
18.9% APR
Representative (variable)
Nectar Nectar
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may 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)
Sainsbury’s Bank 40 month Balance Transfer Credit Card

Sainsbury’s Bank 40 month Balance Transfer Credit Card

Sainsbury’s Bank 40 month Balance Transfer Credit Card

  • 2.89% balance transfer fee in the first 3 months (3% thereafter, £3 minimum fee applies at all times)
18.9% APR
Representative (variable)
Nectar Nectar
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may 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)
Sainsbury’s Bank Nectar 40 month Balance Transfer Credit Card

Sainsbury’s Bank Nectar 40 month Balance Transfer Credit Card

Sainsbury’s Bank Nectar 40 month Balance Transfer Credit Card

  • 2.89 balance transfer fee refunded to 1.95% on transfers made in the first 3 months (3% thereafter, £3 fee minimum at all times)
  • Balance transfer fee refund only available to nectar cardholders (terms apply)
  • Nectar Cardholders Exclusive – you must enter your Nectar card number when you apply
18.9% APR
Representative (variable)
Nectar Nectar
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may 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)
Sainsbury's Bank Nectar 33 month Balance Transfer Credit Card

Sainsbury's Bank Nectar 33 month Balance Transfer Credit Card

Sainsbury's Bank Nectar 33 month Balance Transfer Credit Card

  • 1.5% balance transfer fee in the first 3 months refunded to 0.64% (3% thereafter, £3 min fee at all times)
  • Nectar Cardholders Exclusive - you must enter your Nectar card number when you apply
18.9% APR
Representative (variable)
Nectar Nectar
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may 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)
Sainsbury’s Bank 35 month Balance Transfer Credit Card

Sainsbury’s Bank 35 month Balance Transfer Credit Card

Sainsbury’s Bank 35 month Balance Transfer Credit Card

  • 1.5% balance transfer fee in the first 3 months (3% thereafter, £3 min fee at all times)
  • Collect 2 Nectar points per £1 spent at Sainsbury's, 1 point for every £5 spent elsewhere
18.9% APR
Representative (variable)
Nectar Nectar
No fee
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may 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)

uSwitch Limited is a credit broker, not a lender, for consumer credit products.

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

Frequently asked questions

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.

What about premium rewards cards?

Premium cards are elite reward cards that give exclusive rewards, like access to VIP lounges, in exchange for a fee.

Does uSwitch compare all the credit cards on the market?

We compare credit over 100 credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK.

This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through uSwitch.

There are also many credit cards that are only available to people in member organisations and clubs.