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Cost of holidaying abroad rises
Cost of holidaying abroad rises

The overall cost of a family summer holiday has increased by an average of £128 since this time last... More

Top five cashback credit cards
Top five cashback credit cards

Cashback credit cards can be a great way to gain tax-free cash rewards on your spending and, if mana... More

Credit cards helping to bridge the gap
Credit cards helping to bridge the gap

A large number of UK households are struggling to make their monthly salary last and are regularly t... More

Top 5 cracking balance transfer credit cards
Top 5 cracking balance transfer credit cards

Credit cards offering 0% on balance transfers are a popular choice amongst customers who wish to use... More

Top 5 cashback credit cards
Top 5 cashback credit cards

Cashback credit cards can be a great way to earn tax-free cash rewards on your spending and, if mana... More

Guide to 0% balance transfer credit cards
Guide to 0% balance transfer credit cards

Getting a long 0% balance transfer credit card can reduce your debt quickly and cheaply. But there a... More

Find your credit card providers
Find your credit card providers

Find out who provides your credit card. Most branded cards are issued by another provider – this cou... More

What type of credit card is best?
What type of credit card is best?

They’re so easy aren’t they: credit cards? It lands on your doormat, 85.60 x 53.98mm of pure spendin... More

Compare credit cards with rewards

  - Get rewarded for using your credit card! Your loyalty can earn you rewards such as supermarket points, retail vouchers - even Air Miles!
Also look at:

Compare the Best Rewards Cards

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Intro Rate For PurchasesAPRAdditional InformationSearch all
221 Credit Cards
 
MBNA Limited

Amazon.co.uk Credit Card MasterCard
N/A16.9%
  • Earn 2 points for every £1 spent at Amazon.co.uk
  • No balance transfers from MBNA cards
  • Contactless payments up to £20
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 16.9% APR variable. 
Barclaycard

Freedom Rewards Visa
N/A18.9%
  • Freedom rewards scheme
  • Can't change payment due date
  • Contactless payments up to £20
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
American Express

British Airways Card
N/A15.9%
  • Spend £500 in first 3 months for 3,000 bonus Avios
  • No balance transfers
  • Emergency cash service available
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 15.9% variable per annum for purchases. Representative 15.9% APR variable. 
Santander

Debenhams MasterCard
0.0% for 3 months.19.9%
  • Earn Debenhams points on balance transfers
  • No balance transfers from Santander cards
  • Must be in permanent work for min 16 hours per week
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 19.9% variable per annum for purchases. Representative 19.9% APR variable. 
John Lewis Financial Services

John Lewis and Waitrose partnership MasterCard
0.0% for 6 months.16.9%
  • Earn 1 point per £1 spent in John Lewis partnership
  • No balance transfers from HSBC Group cards
  • Reward vouchers issued February, June and October
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 16.9% APR variable. 
M&S Bank

MasterCard
0.0% for 15 months.16.9%
  • Earn 1 point for every £1 spent at M&S
  • Rates dependent on credit rating
  • Emergency cash service available
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 16.9% APR variable. 
NatWest

YourPoints World MasterCard
0.0% for 15 months.16.9%
  • Extra 2,500 points after taking out a card
  • No transfers from RBS Group cards
  • Manage your card online
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.95% variable per annum for purchases. Representative 16.9% APR variable. 
MBNA Limited

Play.com Visa
0.0% for 9 months.16.9%
  • Spend £150 in first 90 days for 1,500 extra points
  • No balance transfers from MBNA cards
  • Contactless payments up to £20
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 16.9% APR variable. 
Sainsbury's Bank

Nectar Credit Card MasterCard
0.0% for 6 months.17.9%
  • Earn Nectar points for spending on your card
  • Rates dependent on credit rating
  • Manage your card online
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 17.95% variable per annum for purchases. Representative 17.9% APR variable. 
Tesco Bank

Clubcard CC for Purchases MasterCard
0.0% for 16 months.16.9%
  • Earn Tesco Clubcard points for spending on your card
  • Rates dependent on credit rating
  • No fees on Tesco travel money
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.945% variable per annum for purchases. Representative 16.9% APR variable. 
AA

The Rewards Credit Card Visa
0.0% for 10 months.16.9%
  • Redeem points on AA products, motoring and more
  • No balance transfers from MBNA cards
  • Contactless payments up to £20
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 16.9% APR variable. 
MBNA Limited

Virgin Atlantic White Amex/Visa
N/A17.9%
  • Up to 3,000 miles when you make your first purchase within 90 days
  • No balance transfers from MBNA cards
  • Contactless payments up to £20
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 17.9% variable per annum for purchases. Representative 17.9% APR variable. 
Compare
Last Updated: Sunday 26 May 2013 00:19
Disclaimer:
Fees and rates subject to change without notice. Check all rates and terms before borrowing. Assumptions have been made in calculating savings/costs. The figures should be used to illustrate potential savings and should be confirmed with credit card providers.

Moneyfacts.co.uk Limited is an independent credit broker. We will receive a payment from credit providers where customers link to them from Moneyfacts.co.uk. None of these arrangements affects our independence.

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What are Reward Credit Cards?

If you like to spend on your credit card and pay it off in full every month, you don’t need flashy 0% offers, or even a particularly low purchase rate (as you never intend to pay it). Instead you want a credit card that will reward your custom, perhaps with points or vouchers, or even with cashback.

A reward credit card is not suitable for you if you don’t repay your balance in full each month (or before any 0% introductory period ends) because any rewards you earn from the card will be more than cancelled out by the interest you have to pay.

The key to choosing the right reward credit card is to select a card that offers rewards useful to you. For instance, if you spend a lot on your weekly food shop, a reward credit card that gives you vouchers or points to spend there might be a good option (indeed, some supermarkets have even started offering credit cards that also double as a loyalty card for just this purpose), or if you are a frequent flyer, a reward credit card that earns you Airmiles might be the way to go.

Where a card offers points as a reward for spending, it’s important you check how much the points are actually worth as well. Points schemes vary massively in value, so don’t take it as said that if you earn four points per £1 spent, it’s necessarily going to be better than a card offering one point per £1 spent.
 
For example, you’re comparing two cards that allow you to earn one point for every £1 you spend. With Card A you need to collect 1,000 points to earn a £5 voucher, and with Card B you need to earn 500 points to get a £5 voucher. So, although both cards appear to offer the same, Card B actually offers the more generous reward scheme.