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Rewards credit cards

If you spend with a reward card you'll earn points you can exchange for store discounts, flights, holidays or even cash. Compare credit cards with rewards below. Additional results may be available with an eligibility check.

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  • 2It won't affect your credit score
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24 results found, sorted by popularity.
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Sainsbury's Bank Dual Offer Credit Card

Representative APR (variable)
21.9%APR
Account fee
£0
Rewards
Nectar Points
Representative example:
The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Additional information
  • Sainsbury's Bank may offer you a 0% interest period on balance transfers and purchases of 24 or 16 months depending on your individual circumstances
  • Balance transfer fee of 2.88% (minimum £3) at application. The charge will depend on your current offer thereafter.
  • Up to 5,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first 2 months you'll get 500 points. T&Cs apply.
Eligibility
  • be a 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

Tesco Bank Balance Transfer and Purchases Credit Card

Representative APR (variable)
21.9%APR
Account fee
£0
Rewards
Clubcard Points
Representative example:
The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Additional information
  • 0% interest on balance transfers for up to 20 months from account opening, with a 2.29% transfer fee. We may offer you a 0% interest period of 16 or 12 months instead depending on your individual circumstances.
  • 0% interest on purchases for up to 20 months from account opening. We may offer you a 0% interest period of 16 or 12 months instead depending on your individual circumstances.
  • The 0% interest rate on balance transfers applies to any transfers made within the first 90 days of opening your account.
Eligibility
  • be a UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • hold no more than one Tesco Bank Credit Card
  • additional criteria for acceptance from the lender may apply

Sainsbury's Bank Balance Transfer 34 Months Credit Card

Representative APR (variable)
21.9%APR
Account fee
£0
Rewards
Nectar Points
Representative example:
The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Additional information
  • Sainsbury’s Bank may offer you a 0% interest period on balance transfers of 34 or 26 months, depending on your individual circumstances.
  • Balance transfer fee of 2.88% or 3.88% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter.
  • Up to 5,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first 2 months you'll get 500 points. T&Cs apply. Ends 31st October 2022.
Eligibility
  • be a 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

Sainsbury's Bank Balance Transfer Credit Card (31 Mths)

Representative APR (variable)
21.9%APR
Account fee
£0
Rewards
Nectar Points
Representative example:
The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Additional information
  • Sainsbury’s Bank may offer you a 0% interest period on balance transfers of 31 or 23 months, depending on your individual circumstances.
  • Balance transfer fee of 1.98% or 2.98% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter.
  • Up to 5,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first 2 months you'll get 500 points. T&Cs apply. Ends 31st October 2022.
Eligibility
  • be a 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

Sainsbury's Bank Low Balance Transfer Fee Credit Card (22 Mths)

Representative APR (variable)
21.9%APR
Account fee
£0
Rewards
Nectar Points
Representative example:
The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Additional information
  • Sainsbury’s Bank may offer you a 0% interest period on balance transfers of 22 or 14 months, depending on your individual circumstances.
  • Balance transfer fee of 0% or 1% applies to transfers made within the first 3 months. For transfers made after this period, the fee may vary
  • Up to 5,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first 2 months you'll get 500 points. T&Cs apply. Ends 31st October 2022.
Eligibility
  • 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

Sainsbury's Bank Balance Transfer Credit Card (29 Mths)

Representative APR (variable)
21.9%APR
Account fee
£0
Rewards
Nectar Points
Representative example:
The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Additional information
  • Sainsbury’s Bank may offer you a 0% interest period on balance transfers of 29 or 21 months, depending on your individual circumstances.
  • A Balance Transfer fee of 1% or 2% applies to transfers made at application, depending on your circumstances (£3 minimum). The charge will depend on your current offer thereafter.
  • Up to 5,000 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first 2 months you'll get 500 points. T&Cs apply. Ends 31st October 2022.
Eligibility
  • be a 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

What is a reward credit card?

A reward credit card gives you points when you spend on your credit card. These can then be redeemed against goods and services.

These points can be converted into :

  • Useful vouchers

  • Discounts

  • Flights or hotels.

  • Days out

  • Special offers

Some reward credit cards offer specific rewards such as air miles, discount vouchers and cashback.

You may have to spend a minimum amount on your reward credit card each month, in order to qualify for rewards or perks.

It's best not to use these types of reward credit cards for borrowing or withdrawing cash, as the interest rates on them can be quite high.

About reward credit cards

  • Each time you spend, you can earn something back in reward points as a reward for your loyalty - this can be cash, points or special deals.

  • Great for people who pay off their balance each month - you get the reward card perks without paying any interest.

  • Some of the best credit card rewards allow you to exchange points for store discounts, gift vouchers, hotel stays and even almost free flights.

If you have existing credit card debt, are paying interest on one or more credit cards, or struggle to pay off your credit card debt, then reward cars are probably not for you.

You could look instead at Balance Transfer Credit Cards or Credit Builder Credit Cards.

Types of reward cards

Air Miles

An air miles or airline credit card is a reward credit card for travel. Depending on which program the card is affiliated with.

It allows you to collect British Airways Avios points or Virgin Atlantic Flying Club miles through your everyday spending.

You can exchange Avios points for spending towards travel costs including flights, hotels and car rental.

Find out more about air mile credit cards

Cashback

Instead of earning points, a cashback credit card allows you to earn back a percentage of the money you spend.

The money you earn will be put back into your account either monthly or annually.

Unless you pay off the credit card amount each month, the cost of interest might outweigh the rewards.

Find out more about cashback credit cards

Find the credit card that's right for you

It's quick, free and easy
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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 something back. But you should always pay off your balance in full.

Credit cards with rewards often have higher interest rates, known as the APR or Annual Percentage Rate, compared to other credit cards.

Any rewards you earn might be worth less than the interest you owe.

For example

  • You earn 1000 points

  • You exchange them for a £100 voucher

  • You've been unable to pay off your balance in full

  • You now owe £150 in interest charges

  • You owe more interest than your voucher is worth


How do I choose the right rewards credit card card?

The card you choose will depend on your needs and spending habits.

Some cards offer you the chance to earn points that you can spend in a specific shop. Others provide vouchers that you can spend across a variety of retailers.

For example, some reward cards give you the chance to collect Nectar points, which can be put towards anything from restaurant bills to cinema tickets.

Reward credit cards FAQs

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Check your eligibility for credit cards

  • 1Improve your chances of being accepted
  • 2It won't affect your credit score
  • 3It's quick, free and easy
Check eligibility

Uswitch Limited is a credit broker, not a lender, for consumer credit.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.