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Rewards credit cards

You can choose between cards that reward you with airmiles, shopping points or cashback. If you always pay your credit card bill in full, then a rewards card could be a great way to get that little extra – so it’s worth thinking about switching to a new card.

Provider Balance transfer intro period & rate Purchases intro period & rate Rewards Representative APR Likelihood of acceptance Actions
Rewards

First Trust Option 1

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

18.9% APR

Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.44% (variable) annual.

M&S Credit Card

M&S Bank M&S Credit Card Logo

12 months of 0.0% interest on transfers

2.90% fee

15 months 0% interest on purchases

M&S Rewards

16.9% APR

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Representative Example: Representative 16.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 16.9% (variable) annual.
Earn M&S points every time you shop with your card

AMEX British Airways

American Express AMEX British Airways Logo

No 0% intro on transfers

N/A fee

No 0% intro

1 Avios Point for virtually every £1 you spend

15.9% APR

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Representative Example: Representative 15.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 15.9% (variable) annual.
Receive 3000 bonus Avios points when you spend £500 in the first 3 months

AMEX British Airways Premium Plus

American Express AMEX British Airways Premium Plus Logo

No 0% intro on transfers

N/A fee

No 0% intro

1.5 Avios Points for virtually every £1 you spend

56.4% APR

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Representative Example: Representative 56.4% APR variable. Based on £150 annual fee and assumed borrowing of £1200. Rate of interest 19.9% (variable) annual.
Receive 18000 bonus Avios points when you spend £3000 in the first 3 months

Nectar Credit Card

Nectar  Nectar Credit Card Logo

No 0% intro on transfers

N/A fee

No 0% intro

Collect 2 Nectar points for virtually every full £1 spent

25.0% APR

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Representative Example: Representative 25% APR variable. Based on £25 annual fee and assumed borrowing of £1200. Rate of interest 19.9% (variable) annual.
20000 bonus points welcome offer - worth £100 to spend with Nectar partners

Tesco ClubCard Credit Card for Purchases

Tesco Bank Tesco ClubCard Credit Card for Purchases Logo

3 months of 0.0% interest on transfers

2.90% fee

19 months 0% interest on purchases

Tesco Clubcard points

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.941% (variable) annual.
Earn 1 point for every £4 spend in each purchase transaction (£4 min)

American Express Platinum Cashback

American Express American Express Platinum Cashback Logo

No 0% intro on transfers

N/A fee

No 0% intro

1.25% Cashback

18.7% APR

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Representative Example: Representative 18.7% APR variable. Based on £25 annual fee and assumed borrowing of £1200. Rate of interest 14% (variable) annual.
Receive 5% cashback- up to £125 in the first 3 months, then 1.25% cashback on virtually every full pound spent.

Virgin Atlantic Black Card Account

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6 months of 0.0% interest on transfers

2.00% fee

No 0% intro

Points

52.1% APR

Representative Example: Representative 52.1% APR variable. Based on £140 annual fee and assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.

Virgin Atlantic White Card Account

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6 months of 0.0% interest on transfers

2.00% fee

No 0% intro

Points

17.9% APR

Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.9% (variable) annual.

Hilton HHonors Platinum Card

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15 months of 0.0% interest on transfers

2.99% fee

No 0% intro

No rewards

18.9% APR

Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.

AA Rewards

AA AA Rewards Logo

12 months of 0.0% interest on transfers

3.00% fee

10 months 0% interest on purchases

AA Rewards points

16.9% APR

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Representative Example: Representative 16.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 16.9% (variable) annual.
Earn Rewards Points towards cashback shopping vouchers and more

Miles & More American Express

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12 months of 0.0% interest on transfers

3.00% fee

3 months 0% interest on purchases

No rewards

16.9% APR

Representative Example: Representative 16.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 16.9% (variable) annual.

Miles & More Visa

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12 months of 0.0% interest on transfers

3.00% fee

3 months 0% interest on purchases

No rewards

16.9% APR

Representative Example: Representative 16.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 16.9% (variable) annual.

Sainsbury's Nectar Credit Card

Sainsbury's Bank Sainsbury's Nectar Credit Card Logo

16 months of 0.0% interest on transfers

3.00% fee

16 months 0% interest on purchases

Nectar points

16.9% APR

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Representative Example: Representative 16.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 16.94% (variable) annual.
Collect double Nectar points on your Sainsbury's shopping

Starwood Preferred Guest Card

Starwood Starwood Preferred Guest Card Logo

No 0% intro on transfers

N/A fee

No 0% intro

Earn 1 Starpoint for virtually every full £1 spent

36.2% APR

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Representative Example: Representative 36.2% APR variable. Based on £75 annual fee and assumed borrowing of £1200. Rate of interest 19.9% (variable) annual.
Earn 10000 bonus Starpoints when you spend £1000 in the first 3 months

American Airlines AAdavantage

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6 months of 0.0% interest on transfers

2.00% fee

12 months 0% interest on purchases

No rewards

17.9% APR

Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.9% (variable) annual.

Halifax Rewards Clarity Credit Card

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.95% (variable) annual.

Maximiles Credit Card

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9 months of 0.0% interest on transfers

3.00% fee

3 months 0% interest on purchases

No rewards

17.9% APR

Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.9% (variable) annual.

Lastminute.com Credit Card

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6 months of 0.0% interest on transfers

2.50% fee

9 months 0% interest on purchases

Points

18.9% APR

Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.

Santander 123

Santander Santander 123 Logo

1 months of 0.0% interest on transfers

3.00% fee

18 months 0% interest on purchases

Up to 3% cashback dependent on spend

16.5% APR

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Representative Example: Representative 16.5% APR variable. Based on £24 annual fee assumed borrowing of £1200. Rate of interest 12.7% (variable) annual.
Earn 1% bonus cashback on flights, hotel bookings and at travel agents between 1 June and 31 August 2014. Terms & Conditions apply.

AA Balance Transfer

AA AA Balance Transfer Logo

16 months of 0.0% interest on transfers

2.90% fee

3 months 0% interest on purchases

AA Reward points

17.9% APR

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Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.9% (variable) annual.
Save money on existing credit and store card balances plus earn reward points

Virgin Atlantic Black Credit Card Account

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6 months of 0.0% interest on transfers

2.00% fee

No 0% intro

Points

52.1% APR

Representative Example: Representative 52.1% APR variable. Based on £140 annual fee, assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.

Virgin Atlantic White Credit Card Account

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6 months of 0.0% interest on transfers

2.00% fee

No 0% intro

Points

17.9% APR

Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.9% (variable) annual.

Marriott Rewards Credit Card

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12 months of 0.0% interest on transfers

2.90% fee

No 0% intro

No rewards

16.9% APR

Representative Example: Representative 16.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 16.9% (variable) annual.

Tesco Clubcard Credit Card for Balance Transfers

Tesco Bank Tesco Clubcard Credit Card for Balance Transfers Logo

32 months of 0.0% interest on transfers

2.90% fee

3 months 0% interest on purchases

Tesco Clubcard points

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
Earn 1 point for every £4 spend in each purchase transaction (£4 min)

Asda Money Credit Card

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12 months of 0.0% interest on transfers

2.90% fee

6 months 0% interest on purchases

No rewards

14.9% APR

Representative Example: Representative 14.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 15% (variable) annual.

Barclaycard Freedom Rewards

Barclaycard Freedom Rewards Logo

9 months of 0.0% interest on transfers

2.90% fee

No 0% intro

Freedom Rewards points

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
Get 10500 Freedom Bonus Points worth £30 when you spend £500 in the first three months

MBNA More Rewards Credit Card

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.9% (variable) annual.

MBNA More Rewards Credit Card

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No 0% intro on transfers

N/A fee

No 0% intro

No rewards

12.9% APR

Representative Example: Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.9% (variable) annual.

Sainsbury's Nectar Low Rate

Sainsbury's Bank Sainsbury's Nectar Low Rate Logo

No 0% intro on transfers

N/A fee

No 0% intro

Nectar points

6.9% APR

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Representative Example: Representative 6.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 6.95% (variable) annual.
One low rate on transfers & purchases, plus earn Nectar points

American Express Platinum Cashback Everyday

American Express American Express Platinum Cashback Everyday Logo

No 0% intro on transfers

N/A fee

No 0% intro

Up to 1.25% cashback, dependent on spend

19.9% APR

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Representative Example: Representative 19.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 19.9% (variable) annual.
Receive 5% cashback up to £100 in the first 3 months with no annual fee

Vauxhall Rewards Capital One Credit Card

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No 0% intro on transfers

N/A fee

6 months 0% interest on purchases

No rewards

17.9% APR

Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.9% (variable) annual.

TSB Avios Credit Card

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6 months of 0.0% interest on transfers

3.00% fee

No 0% intro

No rewards

17.9% APR

Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.

TSB Premier Avios

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6 months of 0.0% interest on transfers

3.00% fee

No 0% intro

No rewards

23.7% APR

Representative Example: Representative 23.7% APR variable. Based on £50 annual fee, assumed borrowing of £1200. Rate of interest 13.95% (variable) annual.

Lloyds Bank Premier Avios Rewards Credit Card

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13 months of 0.0% interest on transfers

3.00% fee

13 months 0% interest on purchases

No rewards

50.8% APR

Representative Example: Representative 50.8% APR variable. Based on £140 annual fee assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.
Flight Upgrade Voucher with annual spend of £5000

TSB Premier Avios

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6 months of 0.0% interest on transfers

3.00% fee

No 0% intro

No rewards

13.9% APR

Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 13.95% (variable) annual.

Lloyds Bank Choice Rewards

Lloyds Bank Lloyds Bank Choice Rewards Logo

13 months of 0.0% interest on transfers

3.00% fee

13 months 0% interest on purchases

Choice points

22.7% APR

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Representative Example: Representative 22.7% APR variable. Based on £24 annual fee assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.
Double Choice points for the first 6 months on your American Express Card

Barclaycard Freedom Rewards

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9 months of 0.0% interest on transfers

2.90% fee

No 0% intro

No rewards

18.9% APR

Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.

Lloyds Bank Avios Rewards Credit Card

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13 months of 0.0% interest on transfers

3.00% fee

13 months 0% interest on purchases

No rewards

22.7% APR

Representative Example: Representative 22.7% APR variable. Based on £24 annual fee, assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.
Upgrade to Business Class when you spend £7000 a year

Barclaycard Freedom Rewards

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9 months of 0.0% interest on transfers

2.90% fee

No 0% intro

No rewards

29.9% APR

Representative Example: Representative 27.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 27.9% (variable) annual.

Lloyds Bank Avios Rewards Credit Card

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13 months of 0.0% interest on transfers

3.00% fee

13 months 0% interest on purchases

Avios points

22.7% APR

Can I get this card?

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Representative Example: Representative 22.7% APR variable. Based on £24 annual fee assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.
Flight Upgrade Voucher with annual spend of £7000

Lloyds Bank Premier Avios Rewards

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13 months of 0.0% interest on transfers

3.00% fee

13 months 0% interest on purchases

No rewards

50.8% APR

Representative Example: Representative 50.8% APR variable. Based on £140 annual fee, assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.

TSB Avios Credit Card

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6 months of 0.0% interest on transfers

3.00% fee

No 0% intro

No rewards

17.9% APR

Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.9% (variable) annual.

TSB Premier Avios Credit Card

placeholder card logo

6 months of 0.0% interest on transfers

3.00% fee

No 0% intro

No rewards

13.9% APR

Representative Example: Representative 21.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 13.9% (variable) annual.

Lloyds Bank Choice Rewards

placeholder card logo

13 months of 0.0% interest on transfers

3.00% fee

13 months 0% interest on purchases

No rewards

22.7% APR

Representative Example: Representative 22.7% APR variable. Based on £24 annual fee and assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.

Premier Avios Rewards Credit Card

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13 months of 0.0% interest on transfers

3.00% fee

13 months 0% interest on purchases

No rewards

50.8% APR

Representative Example: Representative 50.8% APR variable. Based on £140 annual fee, assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.

Lloyds Bank Avios Rewards Credit Card

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13 months of 0.0% interest on transfers

3.00% fee

13 months 0% interest on purchases

No rewards

22.7% APR

Representative Example: Representative 22.7% APR variable. Based on £24 annual fee, assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.

TSB Avios Credit Card

placeholder card logo

6 months of 0.0% interest on transfers

3.00% fee

No 0% intro

No rewards

17.9% APR

Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.

TSB Premier Avios Credit Card

placeholder card logo

6 months of 0.0% interest on transfers

3.00% fee

No 0% intro

No rewards

23.7% APR

Representative Example: Representative 23.7% APR variable. Based on £50 annual fee, assumed borrowing of £1200. Rate of interest 13.95% (variable) annual.

TSB Premier Avios Credit Card

placeholder card logo

6 months of 0.0% interest on transfers

3.00% fee

No 0% intro

No rewards

13.9% APR

Representative Example: Representative 23.7% APR variable. Based on £50 annual fee and assumed borrowing of £1200. Rate of interest 13.95% (variable) annual.

TSB Avios Credit Card

placeholder card logo

6 months of 0.0% interest on transfers

3.00% fee

No 0% intro

No rewards

17.9% APR

Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.95% (variable) annual.

TSB Premier Avios Credit Card

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6 months of 0.0% interest on transfers

3.00% fee

No 0% intro

No rewards

23.7% APR

Representative Example: Representative 23.7% APR variable. Based on £50 annual fee, assumed borrowing of £1200. Rate of interest 13.95% (variable) annual.

TSB Premier Avios Credit Card

placeholder card logo

6 months of 0.0% interest on transfers

3.00% fee

No 0% intro

No rewards

13.9% APR

Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 13.95% (variable) annual.

aqua Rewards

aqua aqua Rewards Logo

No 0% intro on transfers

N/A fee

No 0% intro

0.5% cashback

34.9% APR

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Representative Example: Representative 34.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 34.91% (variable) annual.
Build your credit rating while earning 0.5% cashback on everything you buy

Tesco Clubcard Credit Card 25 Months

Tesco Bank Tesco Clubcard Credit Card 25 Months Logo

25 months of 0.0% interest on transfers

1.99% fee

3 months 0% interest on purchases

Tesco Clubcard points

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
Benefit from a balance transfer fee of 1.99%

Sainsbury's Nectar Low Fee

Sainsbury's Bank Sainsbury's Nectar Low Fee Logo

12 months of 0.0% interest on transfers

0.50% fee

12 months 0% interest on purchases

Nectar points

18.9% APR

Can I get this card?

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.94% (variable) annual.
Benefit from a low balance transfer fee, plus earn Nectar points as you spend

Nectar Balance Transfer Credit Card

Sainsbury's Bank Nectar Balance Transfer Credit Card Logo

31 months of 0.0% interest on transfers

2.89% fee

6 months 0% interest on purchases

Nectar points

18.9% APR

Can I get this card?

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
Benefit from a long interest free period on balance transfers and earn Nectar points as you spend
 

Your guide to credit cards

  • Types of rewards cards
  • How rewards cards work
  • Are there any drawbacks?
  • Which providers offer rewards cards?
  • Can anyone get a rewards card?
  • Is a rewards card right for you?

Credit cards terms

  • Cashback