logo-rebrand Skip to main content

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 from 3 companies below.

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

Sort by:

Virgin Atlantic Reward Credit Card

Virgin Atlantic Reward Credit Card
22.9% APR
Representative APR (variable)
No
Account fee
Virgin Atlantic Flying Club Miles logo
Virgin Atlantic Flying Club Miles
Apply
Representative example: When you spend £1,200 at a rate of 22.90% (variable) per annum, your representative APR is 22.90% APR (variable)
Card details
  • Earn 5,000 bonus miles with your first card purchase within 90 days of account opening
  • 0.75 Flying Club miles for every £1 spent, doubled when you spend directly with Virgin Atlantic and Virgin Holidays
  • Spend £20,000 in 12 months to earn additional rewards; a Premium Economy Upgrade or a Companion Reward
To get this card you must at least:
  • be a UK resident
  • be aged 18 or over
  • have a UK bank or building society account
  • have good credit history
  • have a income of at least £7,000
  • have not applied for another Virgin Money credit card in the last 6 months

Additional criteria for acceptance from the lender may apply.

American Express Rewards Credit Card

Award Winner
American Express Rewards Credit Card
Award Winner
22.9% APR
Representative APR (variable)
No
Account fee
Amex Membership Rewards logo
Amex Membership Rewards
Apply
Representative example: When you spend £1,200 at a rate of 22.90% (variable) per annum, your representative APR is 22.90% APR (variable)
Card details
  • Earn 5,000 bonus Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership
  • Choose from multiple airlines: transfer your Membership Rewards© points to 12 airline partners' loyalty programmes, including British Airways Executive Club, Emirates Skywards and Virgin Atlantic Flying Club.
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • have a permanent UK home address
  • have no County Court Judgements

Additional criteria for acceptance from the lender may apply.

Marriott Bonvoyᵀᴹ American Express® Card

Award Winner
Marriott Bonvoyᵀᴹ American Express® Card
Award Winner
39.7% APR
Representative APR (variable)
£75
Yearly fee
Marriott Bonvoy
Marriott Bonvoy points
Apply
Representative example: When you spend £1,200 at a rate of 22.90% (variable) per annum, your representative APR is 39.70% APR (variable)
Card details
  • Earn 2 points for every full £1 spent on your Card.
  • Earn a 20,000 point bonus when you spend £3,000 in the first three months
  • Explore more than 7,000 hotels and resorts worldwide, with no blackout dates
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy™ American Express® Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • have a permanent UK home address
  • have no County Court Judgements

Additional criteria for acceptance from the lender may apply.

American Express Preferred Rewards Gold Credit Card

Award Winner
American Express Preferred Rewards Gold Credit Card
Award Winner
57.6% APR
Representative APR (variable)
£140
Yearly fee
Amex Membership Rewards logo
Amex Membership Rewards
Apply
Representative example: When you spend £1,200 at a rate of 22.90% (variable) per annum, your representative APR is 57.60% APR (variable)
Card details
  • New Cardmember offer: Earn 20,000 Membership Rewards️ points when you spend £3,000 in your first three months of Cardmembership. Offer ends 29 June 2020. Terms apply.
  • No annual fee in the first year
  • Choose from multiple airlines: transfer your Membership Rewards© points to 12 airline partners' loyalty programmes, including British Airways Executive Club, Emirates Skywards and Virgin Atlantic Flying Club.
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • have a permanent UK home address
  • have no County Court Judgements

Additional criteria for acceptance from the lender may apply.

Virgin Atlantic Reward+ Credit Card

Virgin Atlantic Reward+ Credit Card
63.9% APR
Representative APR (variable)
£160
Yearly fee
Virgin Atlantic Flying Club Miles logo
Virgin Atlantic Flying Club Miles
Apply
Representative example: When you spend £1,200 at a rate of 22.90% (variable) per annum, your representative APR is 63.90% APR (variable)
Card details
  • Earn 15,000 bonus miles with your first card purchase within 90 days of account opening.
  • 1.5 Flying Club miles for every £1 spent, doubled when you spend directly with Virgin Atlantic and Virgin Holidays
  • Spend £10,000 in 12 months to earn additional rewards; a Premium Economy Upgrade or a Companion Reward
To get this card you must at least:
  • be a UK resident
  • be aged 18 or over
  • have a UK bank or building society account
  • have good credit history
  • have a income of at least £7,000
  • have not applied for another Virgin Money credit card in the last 6 months

Additional criteria for acceptance from the lender may apply.

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

Our 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 each time you spend, you can earn 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.

What is a reward credit card?

A reward credit card gives you points that you can then redeem against goods and services.

The points you earn can be converted into vouchers. Or traded for special offers or days out.

Some reward credit cards offer specific rewards including things like air miles and cashback.

Air miles

An airmiles or airline credit card is a reward credit card for travel. It allows you to collect Avios points 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.

Find out more about cashback credit cards

Should I take out a reward credit card?

This depends on how you use your 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 on unavoidable purchases.

But you should always pay off your balance in full.

Avoid a rewards card if you're unable to pay off your balance

A rewards credit card might not be your best option if you're unable to pay your balance off in full each month.

Credit cards with rewards often have higher interest rates 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

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

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

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.

Multi-purpose reward credit cards

Reward cards are often competitive in other areas, allowing you to use them for different purposes.

Even if you’re not a regular shopper some reward cards could be worth considering for the added benefits on offer.

For example, as well as points, many cards offer long 0% interest periods on balance transfers

Or long 0% interest periods on purchases. Or even both.

But 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 card?

There is no such thing as the best reward card. What makes the best reward credit card for you will vary depending on what rewards you'll use most.

If you do most of your shopping with a particular retailer it might be a good idea to get a reward card from that retailer. You can earn points that you'll be able to spend in their shop.

But if you do your shopping all over the place, you might not be getting the best deal. Even with a really attractive rate of points, you'll be tied to shopping in one place when it comes to spending your rewards.

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.

Find out more about premium cards