Cashback:
Air miles cards:
Rewards cards:
American Express Platinum Cashback Everyday Card
PurchasesRewardsRepresentative APR (variable)Annual Fee
-up to 5% cashback
(min 0.5%)
19.9% APR£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 APR (variable).
American Express Platinum Cashback Credit Card
PurchasesRewardsRepresentative APR (variable)Annual Fee
-up to 5% cashback
(min 1.25%)
18.7% APR£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), £25 annual fee. So if you borrow £1,200 the Representative APR will be 18.7% APR APR (variable).
Santander 123 Credit Card
PurchasesRewardsRepresentative APR (variable)Annual Fee
0% for 18 monthsup to 3% cashback
(min 1%)
16.5%£24
Representative Example: The standard interest rate on purchases is 12.7% p.a. (variable), £24 annual fee. So if you borrow £1,200 the Representative APR will be 16.5% (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer)
PurchasesRewardsRepresentative APR (variable)Annual Fee
0% for 3 monthsClubcard Points18.9% APR£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 APR (variable).
Sainsbury's Bank Nectar Credit Card
PurchasesRewardsRepresentative APR (variable)Annual Fee
0% for 18 monthsNectar Points18.9% APR£0
Double Nectar points on Sainsbury's shopping and 1 Nectar point for every £5 spent on your card elsewhere.
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 APR (variable).
Tesco Bank Clubcard Credit Card with No BT Fee
PurchasesRewardsRepresentative APR (variable)Annual Fee
0% for 12 monthsClubcard Points18.9% APR£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 APR (variable).
Sainsbury's Bank Nectar Low BT Fee Credit Card
PurchasesRewardsRepresentative APR (variable)Annual Fee
0% for 12 monthsNectar Points18.9% APR£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 APR (variable).
Tesco Bank Clubcard Credit Card for Purchases
PurchasesRewardsRepresentative APR (variable)Annual Fee
0% for 19 monthsClubcard Points18.9% APR£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 APR (variable).
Sainsbury's Bank Nectar Balance Transfer Credit Card
PurchasesRewardsRepresentative APR (variable)Annual Fee
0% for 6 monthsNectar Points18.9% APR£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 APR (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
PurchasesRewardsRepresentative APR (variable)Annual Fee
0% for 3 monthsClubcard Points18.9% APR£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 APR (variable).
Capital One Classic Extra Card
PurchasesRewardsRepresentative APR (variable)Annual Fee
-0.5% cashback34.9% APR£0
A quick response in 60 seconds.
Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 34.9% APR APR (variable).
M&S Bank Credit Card
PurchasesRewardsRepresentative APR (variable)Annual Fee
0% for 15 monthsM&S Points
and
Special Offers
16.9% APR£0
Representative Example: The standard interest rate on purchases is 16.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 16.9% APR APR (variable).
Lloyds Bank Avios Rewards Credit Card
PurchasesRewardsRepresentative APR (variable)Annual Fee
0% for 16 monthsAvios23.7% APR£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), £24 annual fee. So if you borrow £1,200 the Representative APR will be 23.7% APR APR (variable).
Aqua Reward Credit Card
PurchasesRewardsRepresentative APR (variable)Annual Fee
-0.5% cashback34.9% APR£0
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 APR (variable).
Tesco Bank Clubcard Credit Card with Low APR
PurchasesRewardsRepresentative APR (variable)Annual Fee
0% for 3 monthsClubcard Points7.8% APR£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 APR (variable).
Emirates Skywards Credit Card Account
PurchasesRewardsRepresentative APR (variable)Annual Fee
0% for 12 monthsSkywards Miles17.9% APR£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 APR (variable).
British Airways Credit Card
PurchasesRewardsRepresentative APR (variable)Annual Fee
-Avios15.9% APR£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 APR (variable).
Lloyds Bank Premier Avios Rewards Credit Card
PurchasesRewardsRepresentative APR (variable)Annual Fee
0% for 16 monthsAvios52.1% APR£140
No foreign transaction fees.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), £140 annual fee. So if you borrow £1,200 the Representative APR will be 52.1% APR APR (variable).
Virgin Atlantic White Credit Card Account from MBNA
PurchasesRewardsRepresentative APR (variable)Annual Fee
-Flying Club miles
and
Special Offers
17.9% APR£0
3,000 miles with your first card purchase made within 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 APR (variable).
TSB Avios Credit Card
PurchasesRewardsRepresentative APR (variable)Annual Fee
-Avios17.9% APR£0
Representative Example: The standard interest rate on purchases is 17.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 17.9% APR 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.

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 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.