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Compare reward credit cards

Get something back when you shop with a rewards credit card. From flights and holidays to hotels and store discounts, the points you earn can be exchanged for a range of rewards. Additional results may be available through our eligibility checker.

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How this works

How to compare reward credit cards

1

Compare credit cards

Use our table of offers to find a credit card that offers all the features you need with the lowest fees and interest rates.

2

Check your eligibility

Carefully review your chosen card's terms to make sure you fit its eligibility criteria, then get your proof of ID ready.

3

Apply for the card you want

Click "view deals" and fill out the application form on the provider's website. Then sit back and wait for a reply.

Reward credit card deals

10 results found, sorted by longest purchase period. How we order our comparisons.

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Sainsbury's Bank Dual Offer Credit Card

Rewards

Nectar Points

Balance transfers

0% for 24 months with a 3% fee (£3 min.)

Purchases

0% for 24 months

Representative APR (variable)

21.9% APR

A 3% fee is applied to balance transfers at application (minimum £3). The charge will depend on your current offer thereafter.

Sainsbury's Bank may offer you a 0% interest period of 24 or 16 months instead depending on your individual circumstances.

Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£10,000
UK Resident

Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)

Rewards

Nectar Points

Balance transfers

0% for 21 months with no fee

Purchases

0% for 3 months

Representative APR (variable)

20.9% APR

Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)

No balance transfer fee applies to transfers made within the first 3 months. For transfers made after this period, the fee may vary.

Balance Transfer fee of 0% or 1% applies to transfers made within your first three months, depending on your individual circumstances. The charge will depend on your current offer thereafter.

Sainsbury's Bank may offer you a 0% interest period on balance transfers of 17 or 13 months instead, depending on your individual circumstances.

Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£10,000
UK Resident

Sainsbury's Bank Balance Transfer Credit Card (30 Mths)

Rewards

Nectar Points

Balance transfers

0% for 30 months with a 1.5% fee (£3 min.)

Purchases

0% for 3 months

Representative APR (variable)

19.9% APR

Sainsbury's Bank Balance Transfer Credit Card (30 Mths)

Balance transfer fee of 1.5% applies to transfers made at application(£3 minimum). The charge will depend on your current offer thereafter.

Once the 0% deal ends the balance transfer rate will be 19.95% p.a. variable with a 3% fee.

The duration of the introductory offer may vary depending on your personal circumstances.

Representative Example: The standard interest rate on purchases is 19.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£10,000
UK Resident

Sainsbury's Bank Balance Transfer 33 Months Credit Card

Rewards

Nectar Points

Balance transfers

0% for 33 months with a 2.89% fee (£3 min.)

Purchases

0% for 3 months

Representative APR (variable)

21.9% APR

Sainsbury's Bank Balance Transfer 33 Months Credit Card

Balance transfer fee of 2.89% or 3% applies to transfers made at application(£3 minimum). The charge will depend on your current offer thereafter.

The duration of the introductory offer may vary depending on your personal circumstances.

Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£10,000
UK Resident

Sainsbury's Bank Balance Transfer Credit Card (28 Mths)

Rewards

Nectar Points

Balance transfers

0% for 28 months with a 1% fee (£3 min.)

Purchases

0% for 3 months

Representative APR (variable)

21.9% APR

Sainsbury's Bank Balance Transfer Credit Card (28 Mths)

A Balance Transfer fee of 1% or 1.5% applies on transfers made at application, depending on your individual circumstances (£3 minimum). The charge will depend on your current offer thereafter.

Once the 0% deal ends the balance transfer rate will be 21.95% p.a. variable with a 3% fee.

Sainsbury's Bank may offer you a 0% interest period on balance transfers of 28 or 20 months, depending on your individual circumstances.

Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£10,000
UK Resident

Virgin Atlantic Reward Credit Card

Rewards

Virgin Points

Balance transfers

0% for 6 months with a 3% fee

Purchases

22.9% p.a. variable

Representative APR (variable)

22.9% APR

Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.

Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 22.9% p.a. variable with a 5% fee.

Representative Example: The standard interest rate on purchases is 22.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,000
UK Resident

Virgin Atlantic Reward+ Credit Card

Rewards

Virgin Points

Balance transfers

0% for 6 months with a 3% fee

Purchases

22.9% p.a. variable

Representative APR (variable)

63.9% APR

Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.

Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 22.9% p.a. variable with a 5% fee.

Representative Example: The standard interest rate on purchases is 22.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 63.9% (variable).£160 annual fee.

Eligibility

Credit Rating	good
Minimum Age	18 years
Minimum Income	£7,000
UK Resident

American Express Rewards Credit Card

Representative APR (variable)

25.3% APR

Earn 10,000 bonus Membership Rewards® points when you spend £2,000 in your first three months of Cardmembership.

Balance transfer facility is only available on request and at the discretion of Amex.

Representative Example: The standard interest rate on purchases is 25.3% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.3% (variable).

Eligibility

Credit Rating	good
Minimum Age	18 years
UK Resident

American Express Preferred Rewards Gold Credit Card

Representative APR (variable)

61% APR

American Express Preferred Rewards Gold Credit Card

Earn 20,000 Membership Rewards points when you spend £3,000 in your first 3 months of Cardmembership. New Cardmembers Only. Terms Apply. Eligible for two £5 Deliveroo vouchers per month (£10 total), when you spend at Deliveroo with your Gold Card.

Representative Example: The standard interest rate on purchases is 25.3% p.a. (variable), so if you borrow £1,200 the Representative APR will be 61% (variable).£140 annual fee.

Eligibility

Credit Rating	good
Minimum Age	18 years
UK Resident

Nectar Credit Card

Representative APR (variable)

30.7% APR

Earn 20,000 Nectar points when spending £2,000 within the first 3 months. What's more, your first years Card membership fee of £25 is waived.

Balance transfer facility is only available on request and at the discretion of Amex.

Representative Example: The standard interest rate on purchases is 25.3% p.a. (variable), so if you borrow £1,200 the Representative APR will be 30.7% (variable).£25 annual fee.

Eligibility

Credit Rating	good
Minimum Age	18 years
UK Resident

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What is a rewards credit card?

A rewards credit card earns you points each time you spend, which can be redeemed for different kinds of rewards. The rewards can range from airline miles, hotels, and holidays to discounts, exclusive deals or cashback.

If you’re looking for a card which gives you specific rewards, you might want to check out our air miles credit cards and cashback cards.

How do rewards credit cards work?

With a rewards credit credit card every £1 you spend on the card earns you a number of points. As you accumulate these points you can then redeem them against your cards’ specific perks.

For those rewards to be possible, credit card providers often charge annual fees and high interest rates.

You may also have to spend a minimum amount on your reward credit card each month in order to qualify for the rewards. So it’s best to work out if you’ll be spending enough to qualify for the perks, and whether you’re gaining enough to justify the annual fee.

If you’re spending enough and are able to pay off your balance in full each month, reward card cards can be a great way to get perks without paying any interest.

However, if you’re someone with existing credit card debt, need to withdraw cash from a credit card, or unsure you’re able to pay off what you’ve borrowed in full each month, these may not be the right cards for you.

How to find the best rewards credit card for you

Finding the best rewards credit card for you will depend on your financial circumstances and the sorts of perks you’re looking for. When you compare rewards credit cards, it might helpful to consider the following:

Points earned: Ideally you want to earn as many points as you can per £1 you spend to get good value. As a general rule, look for cards that offer at least one point per £1 spent on eligible transactions. Some cards also have expiry dates and monthly or yearly caps on the amount of points you can earn, so make sure you're aware of these limits.
Points value: Earning a lot of points per £1 sounds great, but the value of each point depends on how many points it takes to redeem a reward. For example, if you need 5,000 points to get a £50 gift card and your credit card has an earn rate of one point per £1 spent, you would have to spend £5,000 to make a redemption.
Black out dates: Some rewards periods have black out periods during which you cannot redeem your points. Make sure you read the terms and conditions of your rewards programme so you're aware of how that may impact you.
Interest rate: Rewards credit cards typically have high interest rates. If you don't usually pay off your full balance every month, or need to use your credit card for cash withdrawals, you may want to consider a 0% balance transfer credit card or a credit building credit card.
Fees: Rewards credit cards often charge annual fees. For a credit card to be beneficial, the value of the rewards you receive should at least be equal to the annual fee to break even.

What are the pros and cons of reward credit cards?

They let you earn from your purchases
They often give discounts and offers on select retailers
You can earn miles on your spending and travel for free if you earn the minimum number of miles for a free ticket from the credit card issuer's sponsor airline.

Interest rates on reward credit cards are often very high
Most rewards cards charge an annual fee
They can have high minimum income requirements
You could lose your points or miles if you don't use them by a certain date

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Last updated: 1 April, 2022