Credit Card Rewards

  • Earn reward points as you shop!
  • Reward points can be exchanged for shopping vouchers, discounts or travel
  • Compare the latest reward credit cards below
  • There are 32 out of 86 cards matching this search.
Promotion
aqua Classic Credit Card
Apply online
  • 29.7% APR (Variable)
  • Start with a credit limit of £250-£1,200 and you could get an increase on your 4th statement
  • Free unlimited access to your credit report
  • Text reminders, so you need never miss a payment
Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.71% (variable), representative 29.7% APR (variable). Credit available subject to status.

What type of card are you looking for?

Your current view is listed by:
  • Tesco Bank Clubcard Low APR Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 1 months
    (0% fee)
  • New Purchases Offer
    0% Fixed
    For 1 months
  • Representative APR
    5.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £250
    • Provider
      Tesco Bank

    Benefits

      • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
      • Apply online and get a decision within 60 seconds.
      • You can still apply even if you have a Tesco Bank Credit Card already.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must live in the UK or have a BFPO address
      • You must have a good credit history
      • You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress
    • Min Age
      18
    • Visit Website
    • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 5.94% (variable), representative 5.9% APR (variable). Credit available subject to status.

  • Sainsbury's Bank Low Rate Credit Card

  • Balance Transfers Offer
    5.94% Variable
    (0% fee)
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    5.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Provider
      Sainsbury's Bank

    Benefits

      • Interest rate and credit limit are subject to status.
      • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
      • No annual fee.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident.
      • You must not be an existing Sainsbury's Bank Credit Card customer.
    • Min Age
      18
    • Visit Website
    • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 5.94% (variable), representative 5.9% APR (variable). Credit available subject to status.

  • Nationwide Select Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 12 months
    (0% fee)
  • New Purchases Offer
    0% Fixed
    For 12 months
  • Representative APR
    15.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Nationwide

    Benefits

      • 0.5% cashback on sterling purchases.
      • Fraud Protection Guarantee.
      • Access to Nationwide Simply Rewards.
      • Unlimited commission-free purchases abroad.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • To apply for a Select Credit Card you must be a main current account customer with Nationwide.
    • Min Income
      £5,000
    • Min Age
      18
    • Visit Website
    • 0.5% cashback on sterling purchases
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), representative 15.9% APR (variable). Credit available subject to status.

  • M&S Shopping Plus Offer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 25 months
    (2.9% fee)
  • New Purchases Offer
    0% Fixed
    For 25 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      M&S Bank

    Benefits

      • Buy M&S Travel Money with no cash advance or foreign exchange fees.
      • Earn M&S reward points every time you shop with your card.
      • Spend Safe fraud protection for complete peace of mind.
      • A bonus points voucher worth £5 when you use your M&S Credit Card in store.

    Before you Continue...

    • You must be at least 18 years old to apply.
    • Buy M&S Travel Money with no cash advance or foreign exchange fees
    • Earn M&S reward points every time you shop with your card
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

  • Tesco Bank Clubcard Credit Card for Balance Transfers and Money Transfers

  • Balance Transfers Offer
    0% Fixed
    For 40 months
    (2.69% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

      • 0% interest on balance and money transfers for up to 40 months from account opening
      • The APR and length of promotional offer may vary as they are dependent on your personal circumstances
    • Min Credit
      £250
    • Provider
      Tesco Bank

    Benefits

      • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
      • Apply online and get a decision within 60 seconds.
      • You can still apply even if you have a Tesco Bank Credit Card already.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must live in the UK or have a BFPO address.
      • You must have a good credit history.
      • You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress.
    • Min Age
      18
    • Visit Website
    • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. The 0% offer is applied to any balances or money transferred within the first 90 days of account opening.

  • Barclaycard Hilton HHonors Platinum Visa Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 15 months
    (2.99% fee)
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £250
    • Provider
      Barclaycard

    Benefits

      • Receive HHonors Gold status when you spend £10,000 in a calendar year.
      • Receive HHonors Silver status for as long as you are a card member.
      • Earn 2500 Bonus Points for each of your first four stays at Hilton hotels in your first 12 months of membership.
      • Earn a free night e-certificate for one weekend night at participating worldwide Hilton hotels when you spend £750 in the first 90 days.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
    • Receive HHonors Gold status when you spend £10,000 in a calendar year
    • Receive HHonors Silver status for as long as you are a card member
    • Earn 2500 Bonus Points for each of your first four stays at Hilton hotels in your first 12 months of membership
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

  • Tesco Bank Clubcard 24 Month No Balance Transfer Fee Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 24 months
    (0% fee)
  • New Purchases Offer
    0% Fixed
    For 1 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

      • The APR and length of promotional offer may vary as they are dependent on your personal circumstances.
    • Min Credit
      £250
    • Provider
      Tesco Bank

    Benefits

      • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
      • Apply online and get a decision within 60 seconds.
      • You can still apply even if you have a Tesco Bank Credit Card already.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must live in the UK or have a BFPO address
      • You must have a good credit history
      • You cannot apply if you applied for a Tesco Bank Credit Card in the last month or currently have an application in progress
    • Min Age
      18
    • Visit Website
    • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. This 0% offer is applied to any balances transferred within the first 90 days of opening your account.

  • Sainsbury's Bank Nectar 40 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 40 months
    (1.78% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

      • Reduced Balance Transfer fee made by a partial refund of an initial 2.89% balance transfer fee. Terms and conditions apply.
    • Provider
      Sainsbury's Bank

    Benefits

      • Interest rate and credit limit are subject to status.
      • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
      • If your application is approved you are guaranteed to get the 0% interest period advertised.
      • No annual fee.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident.
      • You must not be an existing Sainsbury's Bank Credit Card customer.
      • You'll need to enter your Nectar card number when you apply.
    • Min Age
      18
    • Visit Website
    • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. Nectar cardholders only - You'll pay a 2.89% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 1.11%, so the overall fee is 1.78%. 3% balance transfer fee applies afterwards (minimum £3 at all times).

  • Sainsbury's Bank 33 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 33 months
    (0.59% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Provider
      Sainsbury's Bank

    Benefits

      • Interest rate and credit limit are subject to status.
      • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
      • If your application is approved you are guaranteed to get the 0% interest period advertised.
      • No annual fee.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident.
      • You must not be an existing Sainsbury's Bank Credit Card customer.
    • Min Age
      18
    • Visit Website
    • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.91% so the overall fee is 0.59%. 3% balance transfer fee afterwards (minimum £3 at all times).

  • Sainsbury's Bank 35 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 35 months
    (1.5% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Provider
      Sainsbury's Bank

    Benefits

      • Interest rate and credit limit are subject to status.
      • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
      • If your application is approved you are guaranteed to get the 0% interest period advertised.
      • No annual fee.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident.
      • You must not be an existing Sainsbury's Bank Credit Card customer.
    • Min Age
      18
    • Visit Website
    • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. 3% balance transfer fee afterwards (minimum £3 at all times).

  • Sainsbury's Bank 42 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 42 months
    (2.3% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

      • 4% balance transfer fee refunded to 2.30% on transfers made in the first 3 months. (3% thereafter, £3 fee minimum at all times).
    • Provider
      Sainsbury's Bank

    Benefits

      • Interest rate and credit limit are subject to status.
      • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
      • If your application is approved you are guaranteed to get the 0% interest period advertised.
      • No annual fee.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident.
      • You must not be an existing Sainsbury's Bank Credit Card customer.
    • Min Age
      18
    • Visit Website
    • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. 4% balance transfer fee refunded to 2.30% on transfers made in the first 3 months. (3% thereafter, £3 fee minimum at all times).

  • Sainsbury's Bank Purchase Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 18 months
    (3% fee)
  • New Purchases Offer
    0% Fixed
    For 29 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Provider
      Sainsbury's Bank

    Benefits

      • Interest rate and credit limit are subject to status.
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
      • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
      • If your application is approved you are guaranteed to get the 0% interest period advertised.
      • No annual fee.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident.
      • You must not be an existing Sainsbury's Bank Credit Card customer.
    • Min Age
      18
    • Visit Website
    • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. 3% balance transfer fee applies for transfers in the first 3 months, 3% afterwards (Minimum £3 at all times).

  • Sainsbury's Bank Dual Offer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 28 months
    (3% fee)
  • New Purchases Offer
    0% Fixed
    For 28 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Provider
      Sainsbury's Bank

    Benefits

      • Interest rate and credit limit are subject to status.
      • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
      • If your application is approved you are guaranteed to get the 0% interest period advertised.
      • No annual fee.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident.
      • You must not be an existing Sainsbury's Bank Credit Card customer.
    • Min Age
      18
    • Visit Website
    • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). 3% balance transfer fee applies (£3 minimum at all times). Credit available subject to status.

  • Sainsbury's Bank No Balance Transfer Fee Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 28 months
    (0% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Provider
      Sainsbury's Bank

    Benefits

      • Interest rate and credit limit are subject to status.
      • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
      • If your application is approved you are guaranteed to get the 0% interest period advertised.
      • No annual fee.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident.
      • You must not be an existing Sainsbury's Bank Credit Card customer.
    • Min Age
      18
    • Visit Website
    • 5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017.
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. In the first 3 months a 1.5% balance transfer fee is charged and then fully refunded directly to your account within 60 days.

  • ASDA Cashback Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 12 months
    (3% fee)
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    19.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £100
    • Provider
      ASDA Money

    Benefits

      • ASDA Money Award Winner - Best New Credit Card of the Year at the Card and Payment Awards, 2013. Best Affinity or Co-Branded Card Programme and Highly Commended.
      • 1% cashback on ASDA shopping and ASDA fuel. 0.5% cashback everywhere else. Unlimited cashback - No cap.
      • Up to 10% promotional cashback rate on selected ASDA insurance policies. Cashback credited monthly.
      • 0% on balance transfers for 12 months (2.9% fee) within the first 90 days after opening an account.
      • Contactless payments. No annual fee. No cash advance fee on ASDA Travel Money. 0% on all purchases at George.com over £200 for 6 months.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • ASDA Stores Limited (Great Wilson Street, Leeds, LS11 5AD), trading as ASDA Money, acts as a credit broker not as a lender and is authorised and regulated by the Financial Conduct Authority. ASDA Stores Limited only offers credit cards provided by Creation Financial Services Limited, Chadwick House, Blenheim Court, Solihull B91 2AA. Applicants must be UK residents (including Isle of Man and Channel Islands).
    • Min Income
      £10,000
    • Min Age
      18
    • Visit Website
    • 1% cashback on ASDA shopping and ASDA fuel. 0.5% cashback everywhere else. Unlimited cashback - No cap.
    • Up to 10% promotional cashback rate on selected ASDA insurance policies. Cashback credited monthly.
    • 0% on all purchases at George.com over £200 for 6 months
  • 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.

  • Virgin Money Travel Credit Card

  • Balance Transfers Offer
    0% Variable
    For 12 months
    (0% fee)
  • New Purchases Offer
    0% Variable
    For 12 months
  • Representative APR
    19.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

      • Contactless payment for items up to £30.
      • Choose from a range of different card designs.
    • Provider
      Virgin Money

    Benefits

      • 0% for 12 months on purchases, 0% for 12 months on balance transfers with a fee of 0%, and 0% for 12 months on money transfers, with a fee of 2%.
      • Enjoy exclusive offers and rewards with the Virgin Red app.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident and hold a UK bank/building society account.
      • You must have good credit history.
    • Min Age
      18
    • Visit Website
  • 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.

  • Santander All in One Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 41 months
    (0% fee)
  • New Purchases Offer
    0% Fixed
    For 6 months
  • Representative APR
    21.7% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Annual fee
      £36
    • Min Credit
      £500
    • Provider
      Santander

    Benefits

      • 0% on balance transfers for 41 months from date of account opening (0% fee applies).
      • 0% on purchases for 6 months from date of account opening.
      • 0.5% cashback on all of your purchases with no limits or caps.
      • No foreign transaction fee on purchases or cash withdrawals in the local currency when you're abroad.
      • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • The annual fee is broken down into monthly payments of £3.
    • Min Income
      £7,500
    • Min Age
      18
    • Visit Website
    • 0.5% cashback on all of your purchases with no limits or caps
    • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), with a £36 annual fee, representative 21.7% APR (variable). Credit available subject to status.

  • Barclaycard Freedom Rewards Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 12 months
    (0.15% fee)
  • New Purchases Offer
    0% Fixed
    For 12 months
  • Representative APR
    21.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £250
    • Provider
      Barclaycard

    Benefits

      • Earn 1 Freedom point on everything home and abroad per £1 spent (non sterling transaction fee of 2.99% applies to foreign currency transactions).
      • Earn 2 Freedom points at all UK supermarkets, petrol stations and on Transport for London spend.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
    • Earn 1 Freedom point on everything home and abroad per £1 spent (non sterling transaction fee of 2.99% applies to foreign currency transactions)
    • Earn 2 Freedom points at all UK supermarkets, petrol stations and on Transport for London spend
  • 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. A fee of 2.9% will be applied to your account at first, but you'll only pay 0.15% as Barclaycard will refund the difference.

  • AA FuelSave Credit Card

  • Balance Transfers Offer
    -
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    22.4% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Annual fee
      £42
    • Min Credit
      £1,000
    • Provider
      AA

    Benefits

      • 4% cashback on fuel when you spend £500 or more a month on any purchases, or 2% cashback on fuel when you spend less than £500 a month.
      • 0.5% cashback on all other purchases (Total cashback earnable per year is capped at £150).
      • 1 year's breakdown cover (for non AA Members) with an MOT included every year you hold the card.
      • Annual MOT included (for existing AA Members).
      • Manage your card on the go with the AA Credit Card mobile servicing app.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must have a good credit rating to apply.
      • AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
    • Min Income
      £8,000
    • Min Age
      18
    • Visit Website
    • 4% cashback on fuel spend when total card spend for the month is above £500 2% cashback on fuel spend when total card spend for the month is £500 or below 0.5% cashback on all other purchases Total cashback earnable per year is capped at £150
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 14.9% (variable), with a £42 annual fee, representative 22.4% APR (variable). Credit available subject to status.

  • British Airways American Express Credit Card

  • Balance Transfers Offer
    -
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    22.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £700
    • Provider
      American Express

    Benefits

      • 5,000 bonus Avios when spending £1,000 within the first 3 months of card membership (Terms apply).
      • Collect 1 Avios for virtually every £1 spent.
      • Spend £20,000 or more within an anniversary year to earn a complimentary Companion Voucher.
      • Travel Accident Insurance up to £75,000.
      • Travel and shopping protection.

    Before you Continue...

    • You must be at least 18 years old to apply.
    • 5,000 bonus Avios when spending £1,000 within the first 3 months of card membership (Terms apply).
    • Collect 1 Avios for virtually every £1 spent
  • 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.

Credit Card Rewards FAQ

Using a credit card to make regular purchases doesn't have to lead to a life of debt. In fact, for those who pay their credit card bill in full each month, it's possible to be rewarded for spending - either via redeemable points or cashback. These points can add up to be used towards flights, holidays, and other prizes depending on the card you choose.

A points or rewards card is specifically designed to help cardholders who regularly use their cards for purchases, make the most of their spending habits. What's more, these cards offer the added bonus of additional consumer protection, thanks to Section 75 of the Consumer Credit Act established in 1974.

How do I Choose the Right Points Card?

When used in place of your debit card, or cash, a points card can be a great way to earn rewards for your everyday spending habits. The card that you choose should depend on your specific needs and circumstances. For instance, if you travel frequently, you may be best served choosing a points card that offers rewards in the form of points that can be redeemed for airline miles. Alternatively, points from other cards may be put towards anything from cinema tickets to restaurant bills.

Are Points Cards Competitive?

Points cards can also be competitive in other areas, which makes them attractive for use in various circumstances. In other words, even if you're not a frequent flyer or savvy shopper, your rewards cards might offer long low-interest periods on purchases and balance transfers. However, it's worth noting that most interest rates on rewards cards are average at best, which means that they're best suited to people who can reliably clear their full balance each month.

What Are Premium Points Cards?

Premium points cards are exclusive rewards cards for elite groups of people that offer very specific rewards, such as access to VIP lounges. Often, these reward cards can be purchased through a monthly, or annual fee.

How Can I Cash My Points?

The way you access your points will depend on the type of card you apply for. While some cards offer rewards that change according to where you spend, others provide a consistent amount of points based on expenditure levels. There are often restrictions on how you cash your rewards - as some cards might allow you only to redeem points against purchases in particular stores. It's best to read the terms and conditions of any rewards card before you apply to ensure you get the best deal.

Should I Transfer My Balance to a Points Card?

You will not receive any additional benefits by transferring an existing balance on an old credit card to a new points card. Points cards only offer rewards on purchases that are made using that card, and transferring a balance could mean that you end up paying higher interest rates.

What Kind of Credit Limit Can I Get?

The credit limits for points or rewards credit cards are calculated according to the same factors as any other credit card. Often, your chosen lender will offer you a limit based on the details of your application, your income, and your credit history.

Is My Credit Record Important?

The better your credit history is, the more likely you will be to earn a larger credit limit, as well as various other benefits from your points card. For instance, a better credit record could allow you to apply for a card that has a longer-lasting period of low interest.

Do I Need to Make Minimum Payments?

Points cards are really only suitable for people who are sure they can clear their balance in full every month. If you're unsure of your ability to make regular repayments, you may be better suited to a low-interest rate card instead.

Helpful links for credit card issues

Money Advice Service - The government's Money Advice Service website provides concise, unbiased information on choosing and using credit cards as well as handy tools such as credit card calculators.

The UK Cards Association - The British trade association for card payment companies has an extensive range of guides on their website covering all the types of payment cards available to UK consumers including debt, credit and prepaid cards.

Financial Fraud Action (FFA) UK - The Financial Fraud Action website features important advice on using payment cards safely and securely as well as information on the latest scams.

Financial Ombudsman Service - If you've already made a complaint to your card provider and have not had your issue resolved satisfactorily then the next step is to take up your complaint with the Financial Ombudsman.

About this service: Comparison tables are provided by KnowYourMoney.co.uk and is a free service to our users. The tables include providers from whom we may receive commission. For more details on how our site works click here.

The credit card data is supplied by Runpath Group Ltd, a registered company in England & Wales. Company Reg No: 07406032. Registered address: 2nd Floor, 112-116 Old Street, London EC1V 9BG.

The tables shows a range of products from the market and this service does not consider your personal credit position. Our service is non-advised, which means that no advice is given or implied.

If you wish to complain about this service please click here.