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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 from 8 companies below.

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Sainsbury’s Bank Dual Credit Card

Sainsbury’s Bank Dual Credit Card
20.9% APR
Representative APR (variable)
No
Account fee
Nectar logo
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
  • 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.
  • Balance transfer fee of 3% (minimum £3) at application. The charge will depend on your current offer thereafter.
  • Sainsbury's Bank may offer a 0% interest period of 21 or 17 months depending on your individual circumstances.
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

Additional criteria for acceptance from the lender may apply.

Laura Ashley Classic Credit Card

Laura Ashley Classic Credit Card
21.9% APR
Representative APR (variable)
No
Account fee
Laura Ashley 201218
Laura Ashley Privilege Points
Apply
Representative example: When you spend £1,200 at a rate of 21.94% (variable) per annum, your representative APR is 21.90% APR (variable)
Card details
  • The Laura Ashley credit card offers benefits to those who shop at Laura Ashley regularly.
  • The card offers a 12 month interest free period on balance transfers when made within 6 weeks of account opening (2.99% fee and terms apply).
  • 0% purchase offer applies for 3 months from account opening. Terms apply.
To get this card you must at least:
  • be 18 years or over and have a regular income
  • be a permanent UK resident and have lived in the UK for the last 12 months (unless you’re HM Forces Personnel)
  • have a current UK bank account and a home or mobile phone number
  • do not already have a card from Laura Ashley provided by NewDay Ltd
  • subject to status. Additional criteria may apply.

Additional criteria for acceptance from the lender may apply.

Sainsbury's Bank No Balance Transfer Fee Credit Card

Sainsbury's Bank No Balance Transfer Fee Credit Card
20.9% APR
Representative APR (variable)
No
Account fee
Nectar logo
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
  • 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.
  • No Balance transfer fee applies to transfers made within your first 3 months. The charge will depend on your current offer thereafter.
  • Sainsbury's Bank may offer you a 0% interest period of 16 or 12 months depending on your individual circumstances.
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

Additional criteria for acceptance from the lender may apply.

Sainsbury's Bank Balance Transfer Credit Card

Sainsbury's Bank Balance Transfer Credit Card
19.9% APR
Representative APR (variable)
No
Account fee
Nectar logo
Nectar
Apply
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.90% APR (variable)
Card details
  • 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
  • Balance transfer fee of 3% (minimum £3) applies on transfers made at application. The charge will depend on your current offer thereafter
  • Sainsbury's Bank may offer you a 0% interest period of 24 or 20 months depending on your individual circumstances.
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

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 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 'popularity' 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.