Compare reward credit cards

Choose any of these reward credit cards and earn loyalty points when you spend.

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12 results found, sorted by longest purchase period. How we order our comparisons.
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M&S Bank Shopping Plus Credit Card
Rewards
M&S Points
Balance transfers
0% for 22 months with a 2.9% fee (£5 min.)
Purchases
0% for 22 months
Representative APR (variable)
21.9% APR
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 2.9% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Sainsbury's Bank Dual Offer Credit Card
Rewards
Nectar Points
Balance transfers
0% for 22 months with a 3% fee (£3 min.)
Purchases
0% for 22 months
Representative APR (variable)
20.9% APR
A 3% fee is applied to balance transfers at application (minimum £3). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period of 22 or 14 months instead depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
M&S Bank Reward Credit Card
Rewards
M&S Points
Balance transfers
0% for 12 months with a 2.9% fee (£5 min.)
Purchases
0% for 12 months
Representative APR (variable)
19.9% APR
Get double M&S points on all M&S shopping for the first 12 months and a bonus points voucher for 500 M&S points worth £5. T&Cs apply.
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 19.9% p.a. variable with a 2.9% fee.
Representative Example: The standard interest rate on purchases is 19.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)
Rewards
Nectar Points
Balance transfers
0% for 21 months with no fee
Purchases
0% for 3 months
Representative APR (variable)
20.9% APR
No balance transfer fee applies to transfers made within the first 3 months. For transfers made after this period, the fee may vary.
Balance Transfer fee of 0% or 1% applies to transfers made within your first three months, depending on your individual circumstances. The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 17 or 13 months instead, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Balance Transfer 30 Months Credit Card
Rewards
Nectar Points
Balance transfers
0% for 30 months with a 1.5% fee (£3 min.)
Purchases
0% for 3 months
Representative APR (variable)
19.9% APR
Balance Transfer fee of 1.5% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 30 or 24 months depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 19.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Balance Transfer 28 Month Credit Card
Rewards
Nectar Points
Balance transfers
0% for 28 months with a 1% fee (£3 min.)
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
A Balance Transfer fee of 1% or 1.5% applies on transfers made within the first 3 months, depending on your individual circumstances (£3 minimum). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 28 or 20 months, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Virgin Atlantic Reward Credit Card
Rewards
Virgin Points
Balance transfers
0% for 6 months with a 3% fee
Purchases
22.9% p.a. variable
Representative APR (variable)
22.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 22.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 22.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Atlantic Reward+ Credit Card
Rewards
Virgin Points
Balance transfers
0% for 6 months with a 3% fee
Purchases
22.9% p.a. variable
Representative APR (variable)
63.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 22.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 22.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 63.9% (variable).£160 annual fee.
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
American Express Preferred Rewards Gold Credit Card
Rewards
Membership Rewards
Balance transfers
-
Purchases
24.5% p.a. variable
Representative APR (variable)
59.9% APR
New Cardmembers: Earn 20,000 bonus Membership Rewards️ points when you spend £3,000 in your first three months of Card membership. Terms apply. Eligible for two £5 Deliveroo vouchers per month (£10 total), when you spend at Deliveroo with your Gold Card.
Representative Example: The standard interest rate on purchases is 24.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 59.9% (variable).£140 annual fee.
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
American Express Rewards Credit Card
Rewards
Membership Rewards
Balance transfers
-
Purchases
24.5% p.a. variable
Representative APR (variable)
24.5% APR
Earn 5,000 bonus Membership Rewards® points when you spend £2,000 in your first three months of Cardmembership.
Balance transfer facility is only available on request and at the discretion of Amex.
Representative Example: The standard interest rate on purchases is 24.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.5% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Marriott Bonvoy Credit Card
Rewards
Marriott Bonvoy Points
Balance transfers
-
Purchases
24.5% p.a. variable
Representative APR (variable)
41.6% APR
Balance transfer facility is only available on request and at the discretion of Amex.
Representative Example: The standard interest rate on purchases is 24.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 41.6% (variable).£75 annual fee.
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Nectar Credit Card
Rewards
Nectar Points
Balance transfers
-
Purchases
24.5% p.a. variable
Representative APR (variable)
29.8% APR
Earn 20,000 Nectar points when spending £2,000 within the first 3 months. What's more, your first years Card membership fee of £25 is waived.
Balance transfer facility is only available on request and at the discretion of Amex.
Representative Example: The standard interest rate on purchases is 24.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.8% (variable).£25 annual fee.
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident

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Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Last updated: 10 May, 2021

What is a rewards credit card?

A rewards credit card offers you points each time you use it to make a purchase, which you can redeem for different kinds of rewards. The rewards can be airline miles, discounts on electronics or cash back.

How do rewards credit cards work?

With a rewards credit credit card every £1 you spend on the card earns you number of points. As you accumulate these points you can then redeem them for rewards such as frequent flyer miles, flight upgrades, electronics, etc.

For those rewards to be possible, credit card providers often charge annual fees and high interest rates. If you're considering a rewards credit card, it's a good idea to calculate whether you are gaining enough from the rewards in order to justify the cost.

What kinds of rewards do credit cards offer?

The rewards you get from a credit card will depend on the credit card you choose and the programme it offers. Some popular categories include:

  • Shopping and restaurant vouchers

  • Supermarket loyalty points (like the Clubcard and Nectar schemes)

  • Air miles

  • Cashback

  • Hotel vouchers

  • Football merchandise

How to find the best rewards credit card

There are many credit cards that offer a variety of different rewards programmes that cater to different audiences. While there is no best rewards credit card, you can find one that suits the kind of rewards you're interested in. When you compare rewards credit cards, it might help to follow these steps.

  • Choose the kind of rewards you would like to earn

  • Filter the results in our comparison so it only shows the ones you want

  • Work out how much you will spend on the card in a year

  • Check what rewards you would get on that amount for each card to find the best one

  • Make sure you are likely to be accepted by checking the application criteria

How is cashback paid?

Typically, cashback is paid annually in the month after you card anniversary. In most cases the cred card provider deducts the among of cashback you've earned from your current monthly statement, thus reducing the amount you'll owe for that month.

So for example you've got £300 in accumulated cashback and if you have a £1,200 balance for the month that you are paid the cashback. The provider will credit you £300, thus you'll only have to pay £900 to pay off your for total balance for that month.

How to compare rewards credit cards

When comparing rewards credit cards, the idea is to find a credit card that suits your lifestyle and offers features that you're interested in. You also want to keep the costs as low as possible. Somethings to consider with a rewards credit card include:

Points earned: Ideally you want to earn as many points as you can per £1 you spend to get good value. As a general rule, look for cards that offer at lest one point per £1 spent on eligible transactions. Some cards also have expiry dates and monthly or yearly caps on the amount of points you can earn, so make sure you're aware of these limits.

Points value: Earning a lot of points per £1 sounds great, but the value of each point depends on how many points it takes to redeem a reward. For example, if you need 5,000 points to get a £50 gift card and your credit card has an earn rate of one point per £1 spent, you would have to spend £5,000 to make a redemption.

Black out dates: Some rewards periods have black out periods during which you cannot redeem your points. Make sure you read the terms and conditions of your rewards programme so you're aware of how that may impact you.

Interest rate: Rewards credit cards typically have high interest rates. If you don't usually pay off your full balance every month, think about how much debt you may accrue because of that.

Fees: Rewards credit cards often charge annual fees. For a credit card to be beneficial, the value of the rewards you receive should at least be equal to the annual fee to break even.

Are rewards credit cards worth the cost?

It depends. If you always pay off your balance each month and spend enough on your credit card, you could earn something for nothing every time you use it.

For example, a card could offer supermarket clubcard points and give you five points for a £4 spend in a supermarket. One point for every £8 you spend elsewhere

You would need to collect 1,000 points for a £10 voucher. You could earn 1,000 points by spending £800 in the supermarket or £8,000 elsewhere.

When are rewards cards not not worth it?

If you do not pay your balance off in full, the interest you have to pay could come to more than the rewards you earn.

It could be cheaper to get a different type of card if you want to:

Rewards card FAQs

Yes, some types of reward points need to be used within a certain period, so check how long you get and use them before they expire.

Yes, cashback credit cards offer money or credits to you statement instead of vouchers.

Yes, most providers let you login to online banking, which lets you check how many reward points your have earned, your balance and your statement.

Yes, some cards offer bonus points in the first few months if you spend more than a specified amount.

Too many credit cards can hurt your credit record, but having cards for different uses can suit some people. Work out how many is too many here.

You can use a credit card in person (in shops, restaurants or other businesses), online, by phone, by mail order, in other countries or in ATMs.

Credit cards come with a range of charges like annual fees. You can avoid most fees if you understand how they work.

They each provide a payment service to your credit card provider when you spend on your card - here is what they do and how they differ.

About our credit cards comparison

Our comparison tables include providers we have commercial arrangements with. The number of listings in our tables can vary depending on the terms of those arrangements, as well as other market developments. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.