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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

52.0% APR

Representative Example: Representative 52.0% 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.

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% cashback at supermarkets, 2% at department stores and 3% on petrol and National Rail and TFL travel (terms & conditions apply)
 

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?

Credit cards terms

  • Cashback