Rewards Cards - Shopping Cards - Loyalty Cards | moneyfacts.co.uk

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!
 
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Compare the Best Rewards Cards

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Intro Rate For PurchasesAPRAdditional InformationSearch all214 Credit Cards
 
NewDay Ltd

Amazon Platinum MasterCard
0.0% for 3 months.21.9%
  • Earn 2 points for every £1 spent at Amazon.co.uk
  • Rates dependent on credit rating
  • Manage your card online
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 21.94% variable per annum for purchases. Representative 21.9% APR variable. 
Barclaycard

Freedom Rewards Visa
0.0% for 12 months.21.9%
  • Freedom rewards scheme
  • Can't change payment due date
  • Contactless payments up to £30
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 21.9% variable per annum for purchases. Representative 21.9% APR variable. 
American Express

British Airways Card
N/A22.9%
  • Spend £1,000 in first 3 months for 5,000 bonus Avios
  • No balance transfers
  • Emergency cash service available
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 22.9% variable per annum for purchases. Representative 22.9% APR variable. 
NewDay Ltd

Debenhams MasterCard
N/A24.9%
  • Earn 3 points for every £1 spent at Debenhams
  • Rates dependent on credit rating
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 24.94% variable per annum for purchases. Representative 24.9% APR variable. 
NewDay Ltd

House of Fraser Recognition MasterCard
N/A24.9%
  • Earn 3 points for every £1 spent at House of Fraser
  • Rates dependent on credit rating
  • Manage your card online
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 24.94% variable per annum for purchases. Representative 24.9% 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

Shopping Plus MasterCard
0.0% for 25 months.18.9%
  • Earn 1 point for every £1 spent at M&S
  • Rates dependent on credit rating
  • Emergency cash service available
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
MBNA Limited

Miles and More American Express®/Visa
0.0% for 3 months.22.9%
  • Spend on card in first 90 days for 1,500 extra miles
  • Rates dependent on credit rating
  • Contactless payments up to £30
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 22.9% variable per annum for purchases. Representative 22.9% APR variable. 
NatWest

Reward Credit Card MasterCard
N/A23.7%
  • 1% Rewards on supermarket spend (0.5% at their petrol stations), 1% on selected retailers & contactless transactions
  • Annual fee £24, waived if Reward or Reward Black Current Account holder
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Fee of £24 per annum applies. Representative 23.7% APR variable. 
Sainsbury's Bank

Purchase Credit Card MasterCard
0.0% for 29 months.18.9%
  • Earn Nectar points for spending on your card
  • No Contactless payments
  • Manage your card online
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.95% variable per annum for purchases. Representative 18.9% APR variable. 
Tesco Bank

Clubcard Credit Card for Purchases MasterCard
0.0% for 28 months.18.9%
  • Earn Tesco Clubcard points for spending on your card
  • Rates dependent on credit rating
  • No fees on Tesco travel money
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.941% variable per annum for purchases. Representative 18.9% APR variable. 
MBNA Limited

Virgin Atlantic White Amex/Visa
N/A22.9%
  • 3,000 miles with first card purchase made within 90 days of account opening
  • No balance transfers from MBNA cards
  • Contactless payments up to £30
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 22.9% variable per annum for purchases. Representative 22.9% APR variable. 
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Last Updated: Thursday 23 March 2017 17:48

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply online today. Products shown with a yellow background are sponsored products.

Disclaimer:
All credit cards are subject to the applicant’s status. The APR quoted is representative of the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you are offered may be higher, or you may not be offered credit. Fees and rates subject to change without notice. Please check all rates and terms before borrowing.

Moneyfacts.co.uk Limited is an independent credit broker not a lender. 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.

 

 

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