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 reward credit card?
There is no such thing as the “best” reward card, the best rewards credit card 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.
What does 'most popular' mean?
Cards on the rewards table are ranked by the number of clicks they get on the site in the past 48 hours.The most clicked on cards are at the top, the least at the bottom. This reflects how popular they are with visitors to uSwitch.com.
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.
What does it mean if a card is listed as an “advertisement” or “promotion”?
We sometimes receive payment from card providers to display their cards in prominent locations.
These are adverts and are designed to be distinct and separate from the other cards on our comparison tables. We hope this makes it clear which cards are top-of-table deals and which cards are paid for promotions.