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Compare Rewards Credit Cards

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Reward Credit Cards are designed to provide you with various rewards. They offer various programs including shopping rewards, Air Miles and points schemes. Accumulated points and Air Miles can be traded for Vouchers, flight tickets and other gifts. Find and Compare Rewards credit card deals that suit you from leading UK banks and financial providers and apply online.

Our Expert choice:Barclaycard Platinum With BT

Our Expert Choice Credit Card

0% interest on balance transfers for 34 months from account opening (2.99% handling fee applies). A fee of 3.5% will be applied, then reduced to 2.99% by a refund.

  • 0% interest on purchases for 6 months from account opening.
  • 18.9% APR Representative Variable.

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Expert Choice Credit Cards
Balance Transfers Purchases
Credit Card Rate Duration Fee Rate Duration Representative APR Apply
Avios
0.0% 13 Months 3.0% 0.0% 13 Months 22.7%Variable
A brand new Credit Card Account from Lloyds Bank has taken off – and it’s packed with travel rewards. The Avios Rewards Credit Card Account. No foreign transaction fees. Flight Upgrade Voucher when your spend reaches £7,000 in a year. 0% on balance transfers and purchases for 13 months (balances transferred within the first 90 days, 3% fee applies). Collect 1.25 Avios per £1 spent on the Lloyds Bank Avios Rewards American Express® Card. Collect 1.25 Avios per £5 spent on the Lloyds Bank Avios Rewards MasterCard®. Collect double Avios on eligible spend for the first 6 months on the Avios Rewards American Express® Card. Double Avios for 6 months with your American Express® Card.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), with an £24 annual fee, you will pay 22.7% APR Representative (variable).

Avios | Lloyds Bank Avios Rewards Credit Card (MCard)

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Lloyds Bank
0.0% 13 Months 3.0% 0.0% 13 Months 22.7%Variable
Get a choice of rewards for your everyday spend. 0% interest for the first 13 months on purchases and on balances transferred within the first 90 days (3% fee applies). Collect 10 Choice points for every £1 of eligible spend on the Choice Rewards American Express®. Whether it’s cashback, shopping vouchers, magazines subscriptions or even travel rewards through Avios, you’ll get to choose the reward you want, when you want. Get there quicker – with double Choice points on eligible spend¹ for the first 6 months on your American Express Card.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), with an £24 annual fee, you will pay 22.7% APR Representative (variable).

Lloyds Bank | Choice Rewards Credit Card (MCard)

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Avios
0.0% 13 Months 3.0% 0.0% 13 Months 50.8%Variable
A new exclusive Credit Card Account from Lloyds Bank has taken off – and it’s packed with travel rewards. The Premier Avios Rewards Credit Card Account. No foreign transaction fees. Flight Upgrade Voucher with annual spend of £5,000. Worldwide Companion Ticket with annual spend of £12,000. 0% on balance transfers and purchases for 13 months (balances transferred within the first 90 days, 3% fee applies). Double Avios for 6 months with your American Express® Card. Collect 1.5 Avios per £1 spent on the Lloyds Bank Premier Avios Rewards American Express® Card. Collect  1.5 Avios per £5 spent on the Lloyds Bank Premier Avios Rewards MasterCard®. Annual account fee of £140.
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), with an £140 annual fee, you will pay 50.8% APR Representative (variable).

Avios | Lloyds Bank Premier Avios Rewards (MCard)

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Sainsburys Bank
0.0% 12 Months 0.5% 0.0% 12 Months 18.9%Variable
Sainsbury's Nectar Low Balance Transfer Fee Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Plus, you'll get 0% on purchases and balance transfers for 12 months from account opening. 0.5% balance transfer fee (minimum £3) during the first 3 months from account opening, then 3% onwards. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel (plus 1 point per litre when you also swipe your Nectar card). One Nectar point for every £5 spent on your card elsewhere. 
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Low BT Fee Credit Card

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Tesco Bank
0.0% 12 Months 0.0% 0.0% 12 Months 18.9%Variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 18.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card with No BT Fee

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AA
0.0% 12 Months 3.0% 0.0% 10 Months 16.9%Variable
0% for 12 months from the date your account is opened, on balance transfers made in the first 90 days (3% fee). 0% for 10 months on all card purchases from the date your account is opened.
Representative Example: If you borrow £1200 at a purchase rate of 16.9% p.a.(variable), you will pay 16.9% APR Representative (variable).

AA | Rewards Credit Card

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Sainsburys Bank
0.0% 33 Months 2.89% 0.0% 6 Months 18.9%Variable
Sainsbury's Nectar Balance Transfer Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card. 0% balance transfers for the first 33 months from account opening. (2.89% fee applies during the first 3 months from account opening, then 3% onwards). 0% on purchases for the first 6 months from account opening. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel. One Nectar point for every £5 spent on your card elsewhere. No monthly or annual fee. No cash advance fee on Sainsbury's Travel Money purchases.
Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Balance Transfer Credit Card

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Tesco Bank
0.0% 33 Months 2.9% 0.0% 3 Months 18.9%Variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 18.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card (Balance Transfer)

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TSB
0.0% 6 Months 3.0% N/A N/A 17.9%Variable
The great thing about having two cards on one account is the flexibility to collect Avios as fast as possible. Together, they combine great collection rates with worldwide acceptance, so it’s worth carrying both when you shop. You'll collect Avios on almost every purchase you make on a TSB Avios American Express® Card and Avios for every £5 of eligible spend on the TSB Avios Mastercard®. Collect in over 32 million MasterCard locations, and millions of American Express merchants on the high street and around the world. Collect double Avios on your eligible spend abroad. 0% for 6 months on balances transferred within the first 90 days (3% fee applies). You'll also collect 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider. ‘You'll collect 1 Avios on almost every £1 you spend on the TSB Avios American Express® Card and 1 Avios for every £5 of eligible spend on the TSB Avios MasterCard®
Representative Example: If you borrow £1200 at a purchase rate of 17.95% p.a.(variable), you will pay 17.9% APR Representative (variable).

TSB | Avios Credit Card (MCard)

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TSB
0.0% 6 Months 3.0% N/A N/A 23.7%Variable
You’ll collect 25% more Avios with the Premier Avios Credit Cards than with the Avios Credit Cards on eligible spend, and if your eligible spend is over £15,000 on your Cards in a year, you’ll get a Companion Ticket so you can take someone special away. Collect 1.25 Avios for every £1 of eligible spend on the Premier Avios American Express® Card and 1.25 Avios for every £5 of eligible spend on the Premier Avios MasterCard®. Collect in over 32 million MasterCard locations, and millions of American Express merchants on the high street and around the world. Collect double Avios on your eligible spend abroad. Companion Ticket with £15,000 of eligible spend in one year. 0% for the first 6 months on balances transferred within the first 90 days (3% fee applies). You'll also collect 1,500 bonus Avios for every whole £1,000 balance you transfer from a single provider.
Representative Example: If you borrow £1200 at a purchase rate of 13.95% p.a.(variable), with an £50 annual fee, you will pay 23.7% APR Representative (variable).

TSB | Premier Avios Credit Card (MCard)

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British Airways
N/A N/A N/A N/A N/A 56.4%Variable
Collect 1.5 Avios for virtually every £1 you spend and 3 Avios for every £1 you spend on BA flights and BA holidays. Spend £10,000 or more within an anniversary year to earn a complimentary Companion Voucher valid for 24 months. Receive 25,000 bonus Avios when £3,000 is spent in the first 3 months.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), with an £150 annual fee, you will pay 56.4% APR Representative (variable).

British Airways | Premium Plus Credit Card

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Nectar
N/A N/A N/A N/A N/A 25.0%Variable
20,000 Nectar bonus points welcome offer – worth £100 to spend with Nectar partners (when Cardmembers spend £2,000 in their first 3 months). First year’s Cardmembership fee of £25 is on us. Collect 2 points for virtually every full £1 spent on the Card. Collect up to 4 points for virtually every full £1 spent at Nectar partners. Complimentary Supplementary Card for a family member, so you can collect even more Nectar points when they use the Card.
Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), you will pay 25.0% APR Representative (variable).

Nectar | Credit Card

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British Airways
N/A N/A N/A N/A N/A 15.9%Variable
Collect 1 Avios for virtually every £1 spent. Automatic enrollment in the BA Executive Club. Spend £20,000 on your card in one year and redeem your Avios on a BA flight and you'll receive a complimentary ticket for a companion to travel on the same flight. Receive 9,000 bonus Avios when you spend £1,000 in your first three months.
Representative Example: If you borrow £1200 at a purchase rate of 15.9% p.a.(variable), you will pay 15.9% APR Representative (variable).

British Airways | Credit Card

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Sainsburys Bank
N/A N/A N/A N/A N/A 6.9%Variable
Sainsbury's Nectar Low Rate Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar Card or use it online. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel. One Nectar point for every £5 spent on your card elsewhere. No monthly or annual fee. No cash advance fee on Sainsbury's Travel Money purchases.
Representative Example: If you borrow £1200 at a purchase rate of 6.95% p.a.(variable), you will pay 6.9% APR Representative (variable).

Sainsburys Bank | Nectar Low Rate Credit Card

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Tesco Bank
0.0% 3 Months 2.9% 0.0% 19 Months 18.9%Variable
Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card  (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 16.9% APR (variable).
Representative Example: If you borrow £1200 at a purchase rate of 18.94% p.a.(variable), you will pay 18.9% APR Representative (variable).

Tesco Bank | Clubcard Credit Card (Purchase)

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Sainsburys Bank
0.0% 18 Months 3.0% 0.0% 18 Months 18.9%Variable

Sainsbury's Nectar Purchase Credit Card lets you collect even more Nectar points when you shop at Sainsbury's. Just remember to pay with your Sainsbury's Nectar Credit Card and swipe your Nectar card or use it online. 0% interest on balance transfers for the first 18 months from account opening (3% balance transfer fee applies). 0% on purchases for the first 18 months from account opening. Collect double Nectar points on your Sainsbury's shopping. Collect 2 Nectar points per £1 spent on Sainsbury's fuel. One Nectar point for every £5 spent on your card elsewhere. No monthly or annual fee. No cash advance fee on Sainsbury's Travel Money purchases.

Representative Example: If you borrow £1200 at a purchase rate of 18.95% p.a.(variable), you will pay 18.9% APR Representative (variable).

Sainsburys Bank | Nectar Credit Card

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Nationwide Building Society
N/A N/A N/A 0.0% 15 Months 17.9%Variable
Nationwide Credit Card - 0% on purchases for 15 months. 17.9% APR representative variable.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card (Purchases)

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Nationwide Building Society
0.0% 26 Months 2.4% 0.0% 3 Months 17.9%Variable
Nationwide Credit Card - 0% on balance transfers for 26 months (2.4% balance transfer fee applies, minimum £5.00), plus 0% on purchases for 3 months. 17.9% APR representative variable.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card (Balance Transfer)

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Nationwide Building Society
0.0% 15 Months 0.65% 0.0% 3 Months 17.9%Variable
0.65% balance transfer fee (minimum £5). Balance transfer fee of 0.65% applies for the first 3 months of account opening, after which time it will revert to 2.4%. 0% on balance transfers for 15 months. 0% on purchases for 3 months. Spread the cost of purchases at 0%.
Representative Example: If you borrow £1200 at a purchase rate of 17.9% p.a.(variable), you will pay 17.9% APR Representative (variable).

Nationwide Building Society | Credit Card (Low Fee Balance Transfer)

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MoneyExpert Ltd is a Credit Intermediary and receives commission payments for all credit cards referrals made on our website. This does not apply to Tesco Bank, NatWest and Royal Bank of Scotland. The rates displayed in this table are updated on a daily basis.

Reward credit cards

There are many different reasons why people choose particular credit cards. Some may offer low standard rates or 0% introductory rates on balance transfers or purchases. Some are designed specifically for customers with low credit ratings and still others offer points-based rewards schemes that give customers different types of reward. The value of these rewards are based on the amount that the customer spends on their card during a given period of time.

What are reward credit cards?

Reward credit cards work in the same way as other credit cards. They can be used to make purchases in person or at a distance – online, over the phone or by mail order. Most can also be used to obtain cash from cash machines in the form of cash advances or to make balance transfers. This is when you transfer the money that you owe on one credit card account to another, usually at a better rate of interest.

In addition, reward cards allow you to earn points that can be redeemed for rewards of various kinds. There are various different reward schemes available but most allow you to build up points depending on how much you spend on your card. These can then be redeemed for different rewards depending on your credit card and award scheme.

How do reward cards work?

Most rewards cards award you points for every £1 you spend. Some schemes will, however, award more points depending on where you use your card. Cards issued by the major supermarket chains, for example, may offer more points when you spend in their stores. When you have enough points, you can redeem them for vouchers that can be spent at participating retailers or used as discount vouchers at participating entertainment and retail outlets. Some may be put towards the cost of flights instead, in the form of Avios (formerly known as Air Miles) or schemes such as Virgin Atlantic's Flying Club. Points earned for existing loyalty schemes such as Nectar Points can usually be added to the customer's account and thereby pooled with points earned from other sources.

Multiple rewards card holders can choose to spread their spending across different cards, giving them access to different schemes, or they may choose to concentrate on a single scheme, allowing them to save for the more valuable rewards on offer.

Cash back cards are a special type of rewards card that give you a straight cash reward instead of points that can be redeemed for various rewards. The amount of cash you earn is usually a straight percentage of the amount you spend on the card in a given period of time. If you spend £100 on a card with a cash back rate of 2%, for example, you would earn £2 of cash back. This is usually paid into your credit card account, paid directly into a nominated bank account or paid by cheque on an annual basis.

Reward cards of all kinds usually only award points (or cash back or air miles) for purchases made on that credit card. Cash advances and balance transfers do not usually count towards points.

What are the benefits?

Using any kind of credit card can have certain benefits. These include:

Access to credit

A debit card draws from funds that you already have in your account. A credit card gives you access to a line of credit and so you can still use it even if you do not have funds in the bank. Most credit cards also have an interest-free period. As long as you pay your balance in full each month by the date shown on your statement, you will not have to pay any interest.

Convenience

Paying by credit card is quick and easy and, with contactless payments becoming more popular, it looks set to become even more convenient.

Payment protection

Section 75 of the 1974 Consumer Credit Act gives you certain protections if you make a purchase between £100 and £30,000 on a credit card. This allows you to claim money back from your credit card provider if, for example, goods you have ordered are faulty or do not turn up because the supplying company goes bust. Credit cards also have fraud protection so that as long as you take reasonable precautions (such as protecting your PIN) you will not usually be liable if your card is used fraudulently.

By using a rewards card you get all the same general benefits that you get from using any other type of credit card but you also get to earn rewards for making the same payments and purchases that you would usually make.

Are there any drawbacks?

Some rewards cards have comparatively higher interest rates than other credit cards. If you pay your balance in full every month this should not be too much of an issue but if you have an outstanding balance that incurs interest, the extra interest charged could outweigh the value of any rewards you earn. The value of cash back rewards are relatively simple to work out but the exact equivalent value of other types of reward can be trickier to work out.

Some rewards schemes may also be withdrawn if you fail to make at least your minimum payment for a given month. If this is the case you may lose any points that you had already built up. Even if you do not pay off your balance in full you should always ensure you make the minimum payment as this can also trigger fees and affect your credit rating. Setting up a Direct Debit to cover at least your minimum amount is a good way to make sure you never accidentally miss a payment.

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