Cashback:
Air miles cards:
Rewards cards:
American Express Platinum Cashback Everyday Card
Purchases
-
Rewards
up to 5% cashback
(min 0.5%)
Representative APR (variable)
19.9% APR
Annual Fee
£0
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% APR (variable).
American Express Platinum Cashback Credit Card
Purchases
-
Rewards
up to 5% cashback
(min 1.25%)
Representative APR (variable)
18.7% APR
Annual Fee
£25
Get 5% cashback on up to £2,500 of purchases in your first 3 months of Card membership, then 1.25% thereafter.
Representative Example: The standard interest rate on purchases is 14% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.7% APR (variable). £25 annual fee.
Santander 123 Credit Card
Purchases
0% for 23 months
Rewards
up to 3% cashback
(min 1%)
and
Special Offers
Representative APR (variable)
16.5% APR
Annual Fee
£24
Representative Example: The standard interest rate on purchases is 12.7% p.a. (variable), so if you borrow £1,200 the Representative APR will be 16.5% APR (variable). £24 annual fee.
Tesco Bank Clubcard Credit Card (Balance Transfer)
Purchases
0% for 3 months
Rewards
Clubcard points
Representative APR (variable)
18.9% APR
Annual Fee
£0
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar Purchase Credit Card
Purchases
0% for 19 months
Rewards
Nectar points
Representative APR (variable)
18.9% APR
Annual Fee
£0
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card with No BT Fee
Purchases
0% for 12 months
Rewards
Clubcard points
Representative APR (variable)
18.9% APR
Annual Fee
£0
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar No BT Fee Credit Card
Purchases
0% for 13 months
Rewards
Nectar points
Representative APR (variable)
18.9% APR
Annual Fee
£0
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card for Purchases
Purchases
0% for 19 months
Rewards
Clubcard points
Representative APR (variable)
18.9% APR
Annual Fee
£0
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar Balance Transfer Credit Card
Purchases
0% for 6 months
Rewards
Nectar points
Representative APR (variable)
18.9% APR
Annual Fee
£0
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
Purchases
0% for 3 months
Rewards
Clubcard points
Representative APR (variable)
18.9% APR
Annual Fee
£0
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Lloyds Bank Avios Rewards Credit Card
Purchases
0% for 16 months
Rewards
Avios
Representative APR (variable)
23.7% APR
Annual Fee
£24
No foreign transaction fees when using your cards abroad. Flight upgrade upon £7,000 spend per year. Double Avios points for the first 6 months on the Avios American Express Card.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.7% APR (variable). £24 annual fee.
Aqua Reward Credit Card
Purchases
-
Rewards
0.5% cashback
Representative APR (variable)
34.9% APR
Annual Fee
£0
Free aqua credit checker. Aqua has said yes to over 750,000 customers in the UK.
Representative Example: The standard interest rate on purchases is 34.91% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Tesco Bank Clubcard Credit Card with Low APR
Purchases
0% for 3 months
Rewards
Clubcard points
Representative APR (variable)
7.8% APR
Annual Fee
£0
There is a 0.00% handling fee for balances transferred during the first 3 months from account opening.
Representative Example: The standard interest rate on purchases is 7.84% p.a. (variable), so if you borrow £1,200 the Representative APR will be 7.8% APR (variable).
M&S Bank Credit Card
Purchases
0% for 19 months
Rewards
M&S points
and
Special Offers
Representative APR (variable)
18.9% APR
Annual Fee
£0
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Asda Money Credit Card
Purchases
0% for 6 months
Rewards
up to 1% cashback
(min 0.5%)
Representative APR (variable)
18.9% APR
Annual Fee
£0
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Emirates Skywards Credit Card Account
Purchases
0% for 12 months
Rewards
Skywards miles
Representative APR (variable)
17.9% APR
Annual Fee
£0
Earn 5,000 Bonus Miles on your first purchase (made within 90 days of account opening.) Plus, an additional 5,000 Bonus Miles if you spend £1,000 within the first 90 days of account opening.
Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 17.9% APR (variable).
Nationwide Credit Card (Balance Transfer)
Purchases
0% for 3 months
Rewards
Special Offers
Representative APR (variable)
17.9% APR
Annual Fee
£0
Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 17.9% APR (variable).
Nationwide Credit Card (Purchases)
Purchases
0% for 15 months
Rewards
Special Offers
Representative APR (variable)
17.9% APR
Annual Fee
£0
Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 17.9% APR (variable).
British Airways Credit Card
Purchases
-
Rewards
Avios
Representative APR (variable)
15.9% APR
Annual Fee
£0
3,000 Avios when spending £500 within the first 3 months.
Representative Example: The standard interest rate on purchases is 15.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 15.9% APR (variable).
Virgin Atlantic White Credit Card Account
Purchases
-
Rewards
Flying Club miles
and
Special Offers
Representative APR (variable)
17.9% APR
Annual Fee
£0
3,000 miles with your first card purchase made within 90 days of account opening, plus an additional 7,000 bonus miles if applied before 31/3/15 and spend £1k in first 90 days.
Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 17.9% APR (variable).

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How to Find the Best Cash Back Credit Cards & Reward Credit Cards

by Martin from money.co.uk

Earning a little something back in rewards or cold hard cash whenever you use your credit card can be a good way to make your money go that little bit further. Here's how to choose the best rewards or cash back credit card.

man on phone at laptop with credit card

Credit card providers are so keen for customers to use their cards that there is now a wide selection of incentivised credit cards offering a host of rewards and cashback credit card schemes to tempt you into applying for a card.

If you are confident you'll be able to repay your credit card spending in full each month, then it makes sense to get one of the top cash back credit cards or the best credit card rewards so you get something back by giving the card companies your custom.

To find the best cash back credit cards UK banks have to offer, you need to compare the standard cash back rates on offer (those that apply on an ongoing basis) and check whether there are any introductory cash back rates that pay you an enhanced amount for spending in the first months you own the card.

Think about how you'll use the card. If you plan to use your card for day to day purchases then finding the card with the best standard cash back rate is likely to be a good idea. However, if you're planning a big purchase, like an expensive holiday, or want to make a number of high value purchases in a short space of time (if you're planning a wedding, or shopping for Christmas presents for example), then a credit card that offers a bonus introductory cash back rate could work out more profitable in the long run.

To get the best reward card you should compare the different packages on offer and work out exactly how much you need to spend to earn the rewards you want. In addition, you should look at any introductory bonuses on offer when you apply as these can sometimes make it worth getting a card on their own.

However, if you are looking to make a purchase and spread repayments on your borrowing over several months, a rewards or cashback credit card may not be the best option. Instead you would need to look for an interest free credit card for the duration you need to borrow.

Some credit cards with rewards will also offer 0% deals on purchases or 0% balance transfers for a set period, but there is no guarantee that they will be the best on the market so you should carry out a thorough comparison before you apply.

If you end up having to pay interest on your borrowing this is likely to outweigh the rewards or cash back you'll have earned in the intervening period so even if you get the best cash back credit card or the best reward credit card on the market you'll still lose out.

You can compare credit card rewards side by side using our rewards and cash back credit card comparison table.