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Check your eligibility for credit cards

  1. Improve your chances of being accepted
  2. It won't affect your credit score
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American Express Platinum Cashback Everyday Credit Card

American Express Platinum Cashback Everyday Credit Card

2017 award winner

American Express Platinum Cashback Everyday Credit Card

  • 5% cashback in your first three months (up to £100)
  • Up to 1% cashback thereafter
22.9% APR
Representative (variable)
Cashback Cashback
No fee
More info
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)
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
More info
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)
American Express Preferred Rewards Gold Card

American Express Preferred Rewards Gold Card

2017 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
More info
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
Virgin Atlantic White Credit Card Account

Virgin Atlantic White Credit Card Account

Virgin Atlantic White Credit Card Account

  • 3,000 miles with your first card purchase made within 90 days of account opening
22.9% APR
Representative (variable)
Virgin Atlantic Flying Club Miles Virgin Atlantic Flying Club Miles
No fee
More info
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)
Barclaycard Freedom Rewards Credit Card

Barclaycard Freedom Rewards Credit Card

Barclaycard Freedom Rewards Credit Card

  • Use your card to pay for rides with Uber and every 11th ride is free. Terms apply, offer only available until Dec 2017
  • 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
More info
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)
NatWest Reward Credit Card

NatWest Reward Credit Card

NatWest Reward Credit Card

  • 1% Rewards in all supermarkets (0.5% at their petrol stations)
  • 1% Rewards at MyRewards retailers, 0.5% everywhere else
  • £24 annual fee. Refunded if you have a Reward current account
23.7% APR
Representative (variable)
Cashback Cashback
£24
More info
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)
British Airways American Express® Credit Card

British Airways American Express® Credit Card

2017 award winner

British Airways American Express® Credit Card

  • 5,000 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
More info
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)
American Express The Platinum Card

American Express The Platinum Card

2017 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
More info
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
John Lewis Partnership Credit Card

John Lewis Partnership Credit Card

John Lewis Partnership Credit Card

  • Earn 1 point for every £1 spent at John Lewis & Waitrose
  • Earn 1 point for every £2 spent anywhere that accepts MasterCard
  • 500 points is worth £5 in John Lewis and Waitrose vouchers
18.9% APR
Representative (variable)
John Lewis and Waitrose Vouchers John Lewis and Waitrose Vouchers
No fee
More info
Can I get this card?
?
To get this card you must at least:
  • Aged 18 or older
  • Minimum household income of £6,750
  • Have a good credit rating
  • Must be a UK resident (excluding Channel Islands)

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)
British Airways  American Express® Premium Plus Credit Card

British Airways American Express® Premium Plus Credit Card

2017 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
More info
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)

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.