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 all238 Credit Cards
 
Barclaycard

Freedom Rewards Visa
0.0% for 6 months.21.9%
  • Freedom rewards scheme
  • Can't change payment due date
  • Contactless payments up to £20
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/A15.9%
  • Spend £500 in first 3 months for 3,000 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 15.9% variable per annum for purchases. Representative 15.9% APR variable. 
NewDay Ltd


Debenhams MasterCard
N/A19.9%
  • Earn 3 points for every £1 spent in Debenhams or online
  • Rates dependent on credit rating
  • Must be in permanent work for min 16 hours per week
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 19.95% 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. 
Lloyds Bank

Avios Rewards Amex/MasterCard
0.0% for 12 months.23.7%
  • ]No foreign usage charge
  • Rates dependent on credit rating
  • Receive both a MasterCard and an American Express
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 18.94% variable per annum for purchases. Annual fee of £24 applies. Representative 23.7% APR variable. 
M&S Bank

MasterCard
0.0% for 19 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

MBNA More Rewards Credit Card Amex/Visa
N/A12.9%
  • Low APR of 12.9%
  • No balance transfers from MBNA cards
  • Contactless payments up to £20
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 12.9% variable per annum for purchases. Representative 12.9% APR variable. 
Sainsbury's Bank

Nectar Purchase Credit Card MasterCard
0.0% for 19 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. 
TSB

Avios Amex/MasterCard
N/A17.9%
  • Get Avios for transferring your balance
  • Rates dependent on credit rating
  • Receive both a MasterCard and an American Express
Details...
Go to Site
 
  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 Credit Card for Purchases MasterCard
0.0% for 21 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/A17.9%
  • 3,000 miles with your first card purchase made within 90 days of account opening
  • No balance transfers from MBNA cards
  • Contactless payments up to £20
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 17.9% variable per annum for purchases. Representative 17.9% APR variable. 
MBNA Limited


Virgin Atlantic Black Amex/Visa
N/A52.0%
  • 18,500 miles with your first card purchase made within 90 days of account opening
  • Annual fee of £140
  • Contactless payments up to £20
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Annual fee of £140 applies. Representative 52.0% APR variable. 
Compare
Last Updated: Friday 3 July 2015 07:51

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:
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.

 

 

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