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
Check your eligibility

Sort by:

Sainsbury’s Bank Dual Credit Card

Nectar Members Only
Sainsbury’s Bank Dual Credit Card
Nectar Members Only
20.9% APR
Representative APR (variable)
No
Account fee
nectar
Nectar
Apply
Representative example: When you spend £1,200 at a rate of 20.95% (variable) per annum, your representative APR is 20.90% APR (variable)
Card details
  • Sainsbury's Bank may offer you a 0% interest period on balance transfers and purchases of 20, 16 or 12 months depending on your individual circumstances.
  • Balance transfer fee of 3% (minimum £3) at application. The charge will depend on your current offer thereafter.
  • Up to 7,500 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 750 points. T&Cs apply.
To get this card you must at least:
  • 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
  • be a Nectar member and should have been one for at least 6 months

Additional criteria for acceptance from the lender may apply.

Sainsbury's Bank Low Balance Transfer Fee Credit Card

Nectar Members Only
Sainsbury's Bank Low Balance Transfer Fee Credit Card
Nectar Members Only
20.9% APR
Representative APR (variable)
No
Account fee
nectar
Nectar
Apply
Representative example: When you spend £1,200 at a rate of 20.95% (variable) per annum, your representative APR is 20.90% APR (variable)
Card details
  • Sainsbury's Bank may offer you a 0% interest period on balance transfers of 25, 21 or 17 months, depending on your individual circumstances.
  • Balance transfer fee of 1.85% (1.99% initial fee reduced by refund, £3 minimum) applies on transfers made at application. The charge will depend on your current offer thereafter.
  • Up to 7,500 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 750 points. T&Cs apply.
To get this card you must at least:
  • 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
  • be a Nectar member and should have been one for at least 6 months

Additional criteria for acceptance from the lender may apply.

Sainsbury's Bank Balance Transfer Credit Card

Nectar Members Only
Sainsbury's Bank Balance Transfer Credit Card
Nectar Members Only
21.9% APR
Representative APR (variable)
No
Account fee
nectar
Nectar
Apply
Representative example: When you spend £1,200 at a rate of 21.95% (variable) per annum, your representative APR is 21.90% APR (variable)
Card details
  • Sainsbury's Bank may offer you a 0% interest period on balance transfers of 27, 23 or 19 months depending on your individual circumstances.
  • Balance transfer fee of 3% applies on transfers made at application. The charge will depend on your current offer thereafter
  • Up to 7,500 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 750 points. T&Cs apply
To get this card you must at least:
  • 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
  • be a Nectar member and should have been one for at least 6 months

Additional criteria for acceptance from the lender may apply.

Sainsbury's Bank No Balance Transfer Fee Credit Card

Nectar Members Only
Sainsbury's Bank No Balance Transfer Fee Credit Card
Nectar Members Only
20.9% APR
Representative APR (variable)
No
Account fee
nectar
Nectar
Apply
Representative example: When you spend £1,200 at a rate of 20.95% (variable) per annum, your representative APR is 20.90% APR (variable)
Card details
  • Sainsbury's Bank may offer you a 0% interest period on balance transfers of 18, 14 or 10 months, depending on your individual circumstances.
  • No Balance transfer fee applies to transfers made within your first 3 months. The charge will depend on your current offer thereafter.
  • Up to 7,500 bonus Nectar points. Each time you spend £35 or more on Sainsbury's shopping in the first two months you'll get 750 points. T&Cs apply.
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
  • be a Nectar member and should have been one for at least 6 months.

Additional criteria for acceptance from the lender may apply.

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 0.75 Flying Club miles for every £1 you spend on everyday card purchases. And 1.5 miles for every £1 you spend with Virgin Atlantic or Virgin Holidays.
  • Choose from an upgrade to Premium or a Companion ticket when you spend £20,000 in a year.
  • 0% for 6 months on balance and money transfers (you'll pay a 3% fee).
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.

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 you spend on everyday card purchases. And 3 miles for every £1 you spend with Virgin Atlantic or Virgin Holidays.
  • Choose from an upgrade to Premium or a Companion ticket when you spend £10,000 in a year.
  • 0% for 6 months on balance and money transfers (you'll pay a 3% fee).
  • Annual fee of £160
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 from the best reward credit cards mean you can benefit from spending on your credit card, which can be converted into useful vouchers. These can often be 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's no such thing as the best rewards credit 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