American Express Platinum Cashback Everyday Card
PurchasesRewardsRepresentative APRAnnual Fee
-up to 5% cashback
(min 0.5%)
19.9%£0
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
 
American Express Platinum Cashback Credit Card
PurchasesRewardsRepresentative APRAnnual Fee
-up to 5% cashback
(min 1.25%)
18.7%£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 annual purchase rate is 14% p.a.(variable) so if you spend £1,200 your representative APR will be 18.7% (variable)+£25 fee p.a
 
Santander 123 Credit Card
PurchasesRewardsRepresentative APRAnnual Fee
0% for 18 monthsup to 3% cashback
(min 1%)
16.5%£24
You can get 1% bonus cashback on flights, hotel bookings and at travel agents between 1 June and 31 August 2014 in addition to earning up to 3% on your everyday spending all year round. T&Cs apply.
Representative Example: The annual purchase rate is 12.7% p.a.(variable) so if you spend £1,200 your representative APR will be 16.5% (variable)+£24 fee p.a
 
Virgin Balance Transfer Credit Card
PurchasesRewardsRepresentative APRAnnual Fee
0% for 6 monthsSpecial Offers18.9%£0
0% on money transfers for 29 months from the date your account is opened (4% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening.
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Tesco Bank Clubcard Credit Card (Balance Transfer)
PurchasesRewardsRepresentative APRAnnual Fee
0% for 3 monthsClubcard Points18.9%£0
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Tesco Bank Clubcard Credit Card with Low BT Fee
PurchasesRewardsRepresentative APRAnnual Fee
0% for 12 monthsClubcard Points18.9%£0
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Tesco Bank Clubcard Credit Card for Purchases
PurchasesRewardsRepresentative APRAnnual Fee
0% for 19 monthsClubcard Points18.9%£0
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Sainsbury's Bank Nectar Low Rate Credit Card
PurchasesRewardsRepresentative APRAnnual Fee
variableNectar Points6.9%£0
Double Nectar points on Sainsbury's shopping and 1 Nectar point for every £5 spent on your card elsewhere.
Representative Example: The annual purchase rate is 6.95% p.a.(variable) so if you spend £1,200 your representative APR will be 6.9% (variable).
 
Sainsbury's Bank Nectar Credit Card
PurchasesRewardsRepresentative APRAnnual Fee
0% for 16 monthsNectar Points16.9%£0
Double Nectar points on Sainsbury's shopping and 1 Nectar point for every £5 spent on your card elsewhere.
Representative Example: The annual purchase rate is 16.94% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
 
Sainsbury's Bank Nectar Balance Transfer Credit Card
PurchasesRewardsRepresentative APRAnnual Fee
0% for 6 monthsNectar Points18.9%£0
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
 
Tesco Bank Clubcard Credit Card with Low APR
PurchasesRewardsRepresentative APRAnnual Fee
0% for 3 monthsClubcard Points7.8%£0
There is a 0.00% handling fee for balances transferred during the first 3 months from account opening.
Representative Example: The annual purchase rate is 7.84% p.a.(variable) so if you spend £1,200 your representative APR will be 7.8% (variable).
 
Nationwide Credit Card (Balance Transfer)
PurchasesRewardsRepresentative APRAnnual Fee
0% for 3 monthsSpecial Offers17.9%£0
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
 
M&S Bank Credit Card
PurchasesRewardsRepresentative APRAnnual Fee
0% for 15 monthsM&S Points16.9%£0
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
 
Lloyds Bank Avios Rewards Credit Card
PurchasesRewardsRepresentative APRAnnual Fee
0% for 13 monthsAvios22.7%£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 annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 22.7% (variable)+£24 fee p.a
 
Virgin Atlantic White Credit Card Account from MBNA
PurchasesRewardsRepresentative APRAnnual Fee
-Flying Club Miles
and
Special Offers
17.9%£0
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
 
Lloyds Bank Premier Avios Rewards Credit Card
PurchasesRewardsRepresentative APRAnnual Fee
0% for 13 monthsAvios50.8%£140
No foreign transaction fees.
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 50.8% (variable)+£140 fee p.a
 
Capital One Classic Extra Card
PurchasesRewardsRepresentative APRAnnual Fee
-0.5% cashback34.9%£0
A quick response in 60 seconds.
Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable.
 
Nationwide Credit Card (Purchases)
PurchasesRewardsRepresentative APRAnnual Fee
0% for 15 monthsSpecial Offers17.9%£0
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
 
British Airways Credit Card
PurchasesRewardsRepresentative APRAnnual Fee
-Avios15.9%£0
3,000 Avios when spending £500 within the first 3 months of Cardmembership.
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
 
Lloyds Bank Choice Rewards Credit Card
PurchasesRewardsRepresentative APRAnnual Fee
0% for 13 monthsChoice Points22.7%£24
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 22.7% (variable)+£24 fee p.a
 

money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

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

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.

Lady White Laptop 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 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 cash back credit 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 credit card you should compare the different rewards 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.

Credit Card Comparison