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Rewards Credit Cards

Balance Transfer Calculator

American Express

British Airways American Express® Credit Card
American Express logo

Air Miles

Rewards

22.2%

p.a. variable

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.2% (variable), representative 22.2% APR (variable). Credit available subject to status. New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first six months of Cardmembership.

American Express

British Airways American Express® Premium Plus
American Express logo

Air Miles

Rewards

22.2%

p.a. variable

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.2% (variable), with a £195 annual fee, representative 74.7% APR (variable). Credit available subject to status. As a new Cardmember , earn 25,000 bonus Avios when you spend £3,000 in your first six months of Cardmembership.

American Express

The Platinum Card® Charge Card
American Express logo

Air Miles

Rewards

N/A

0% interest on purchases

Representative Example: This is a Charge Card.  No interest charges.  Just pay your balance in full every month. As a new Cardmember , earn 30,000 Membership Rewards® points when you spend £4,000 in your first six months of Cardmembership. £575 annual fee.

American Express

Platinum Cashback Everyday Credit Card
American Express logo

Cashback

Rewards

22.2%

p.a. variable

Representative Example: Representative 22.2% APR variable. Based on assumed credit limit of £1,200. Interest rate for purchases: 22.2% p.a. variable. New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first six months of Cardmembership.

Barclaycard

Rewards Credit Card
Barclaycard logo

Cashback

Rewards

22.9%

p.a. variable

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), representative 22.9% APR (variable). Credit available subject to status.

American Express

Platinum Cashback Credit Card
American Express logo

Cashback

Rewards

22.2%

p.a. variable

Representative Example: Representative APR 27.3% APR variable Annual fee Based on £25 Credit Limit Assumed credit limit of £1,200. Purchase Rate 22.2% variable for purchases. As a new Cardmember , get 5% cashback on your purchases (up to £125) for the first six months of Cardmembership.

Capital on Tap

Capital On Tap Rewards Self Employed Credit Card
Capital on Tap logo

Cashback

Rewards

39.9%

p.a. variable

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 39.9% (variable), representative 67.2% APR (variable). Credit available subject to status.

M&S Bank

Reward Credit Card
M&S Bank logo

M&S points

Rewards

6 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

M&S Bank

Transfer Plus Offer Credit Card
M&S Bank logo

M&S points

Rewards

6 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

M&S Bank

Shopping Plus Offer Credit Card
M&S Bank logo

M&S points

Rewards

20 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

American Express

American Express® Rewards Credit Card
American Express logo

Membership rewards

Rewards

22.2%

p.a. variable

Representative Example: Representative 22.2% APR variable. Based on assumed credit limit of £1,200. Interest rate for purchases: 22.2% p.a. variable. As a new Cardmember , earn 5,000 Membership Rewards® points when you spend £2,000 in your first six months of Cardmembership.

American Express

The American Express Card
American Express logo

Membership rewards

Rewards

N/A

0% interest on purchases

Representative Example:

This is a Charge Card.  No interest charges.  Just pay your balance in full every month.

£60 annual fee

American Express

Nectar Credit Card
American Express logo

Nectar

Rewards

22.2%

p.a. variable

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.2% (variable), with a £25 annual fee, representative 27.3% APR (variable). Credit available subject to status. As a new Cardmember, earn 20,000 bonus Nectar points when you spend £2,000 in your first six months of Cardmembership.

HSBC

Rewards Credit Card
HSBC logo

Points

Rewards

6 months

0% interest on purchases

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. Existing HSBC Customers Only.

Royal Bank of Scotland

Reward Credit Card
Royal Bank of Scotland logo

Points

Rewards

18.9%

p.a. variable

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), with a £24 annual fee, representative 23.7% APR (variable). Credit available subject to status.

NatWest

Reward Credit Card
NatWest logo

Points

Rewards

18.9%

p.a. variable

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), with a £24 annual fee, representative 23.7% APR (variable). Credit available subject to status.

American Express

Marriot Bonvoy American Express ® Card
American Express logo

Points

Rewards

22.2%

p.a. variable

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.2% (variable), with a £75 annual fee, representative 38.8% APR (variable). Credit available subject to status. As a new Cardmember earn 20,000 points bonus when you spend £3,000 in the first six months of Cardmembership.

American Express

Preferred Rewards Gold Credit Card
American Express logo

Points

Rewards

22.2%

p.a. variable

Representative Example: Representative APR 56.6% variable based on purchase rate 22.2% variable and £140 annual fee (first year free). New Cardmember offer. Earn 20,000 Membership Rewards® points when you spend £3,000 in your first six months of Cardmembership. Offer ends 29 June 2020. Terms apply.

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  • Compare Rewards Credit Cards

    Along with using a credit card to protect your purchases or manage your debts, you can also unlock some great rewards, simply by using your card. Rewards include air miles, cashback and membership perks to name a few. It’s like reaching a new spiritual plane reserved for the most financially savvy people. It’s even got a VIP area.

    What is a rewards credit card?

    Having a rewards credit card usually comes with perks, encouraging you to make purchases on the card in return for an eventual reward. These added extras make it worthwhile to use your credit card on everyday purchases, especially if you keep up with the monthly repayments. The loyal use of your rewards credit card can lead to days out, money off shopping and petrol, or even to get a reduced price for a holiday.

    What is the best rewards credit card for me?

    There are a number of rewards credit cards you can apply for, but if it’s perks you want, it’s best to go for the one that seems most desirable to you. Have a look below at the types of rewards you can go for:

    • Air Miles: Earn a certain amount of air miles for every pound you spend on the credit card. For example, with a Virgin credit card you can earn air miles off Virgin Holidays
    • Cashback: Get cash direct into your account depending on the amount you spend on your credit card within a stated timescale. This is a good choice for those wanting to use their card frequently within a short space of time
    • Points: The reward for using a credit card might entitle you to points towards your Tesco Clubcard, Sainsbury’s Nectar card or M&S points card. It can also earn membership rewards points from American Express

    If you can’t decide between the rewards credit cards listed, why not use our moneymatcher comparison tool? Simply input a few important details and our comparison tool will provide the very best rewards cards for you. All without even affecting your credit score.

    Our credit card providers

    We work with a huge range of providers to give you a wide selection of financial products, ensuring you can find a credit card that is right for you.

    Each provider is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    Our range of credit card providers will allow you to choose between different card types including 0% balance transfer, 0% purchase, rewards, credit builder, gold & premium, travel, air miles, low rate and cashback. Our moneymatcher comparison tool will allow you to narrow down your search and pick out the right credit card for you.

    Have a look at our provider pages to see our full list of credit card providers.

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How to use Money Guru

Money Guru is an unbiased comparer of loans, credit cards, mortgages, current accounts, business accounts and credit reports. With our moneymatcher tool you can narrow down your search and find the best option for you.

  • Use moneymatcher to check your eligibility
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  • A huge panel of lenders and providers to choose from
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