Rewards credit cards give you something back when you spend on them, such as:

  • Shopping and restaurant vouchers

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

  • Hotel vouchers

  • Football merchandise

Find the best rewards card

  1. Choose the kind of rewards you would like to earn

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

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

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

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

Are they worth it?

Yes, 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 Tesco Clubcard points and give you:

  • Five points for a 4 spend in Tesco

  • One point for every 8 you spend elsewhere

You would need to collect 1,000 points for a 10 Tesco voucher (or a 40 voucher for one of their partners like Pizza Express).

You could earn 1,000 points by spending 800 in Tesco or 8,000 outside Tesco.

When are they not worth it?

If you need to borrow using the card, because rewards credit cards often have higher interest rates than average.

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


Do reward points expire?


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.


Can I get cash rewards?


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


Can I view my balance and points online?


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.


Can I get bonus points?


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


How many credit cards should I have?


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.


Where can I use my card?


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.


What charges come with my credit card?


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


What is the difference between Visa, MasterCard and Amex?


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.