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.

  • Use our free card finder tool
  • Find a card that earns you rewards on your spending
  • Apply in minutes

Find and compare the cards available to you,

without affecting your credit score

Compare reward credit cards from top providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

American Express
Nectar
Barclaycard
Sainsbury's Bank

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

11 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 2.88% fee (£3 min.)
Purchases
0% for 24 months
Representative APR (variable)
21.9% APR
Sainsbury's Bank Dual Offer Credit Card
A 2.88% 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 Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Low Balance Transfer Fee Credit Card (22 Mths)
Rewards
Nectar Points
Balance transfers
0% for 22 months with no fee
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Sainsbury's Bank Low Balance Transfer Fee Credit Card (22 Mths)
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 22 or 14 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 Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Balance Transfer 34 Months Credit Card
Rewards
Nectar Points
Balance transfers
0% for 34 months with a 2.88% fee (£3 min.)
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Sainsbury's Bank Balance Transfer 34 Months Credit Card
Balance transfer fee of 2.88% or 3.88% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 34 or 26 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 Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Balance Transfer Credit Card (29 Mths)
Rewards
Nectar Points
Balance transfers
0% for 29 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 (29 Mths)
A Balance transfer fee of 1% or 2% applies on transfers made at application, depending on your 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 29 or 21 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 Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Balance Transfer Credit Card (31 Mths)
Rewards
Nectar Points
Balance transfers
0% for 31 months with a 1.98% fee (£3 min.)
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Sainsbury's Bank Balance Transfer Credit Card (31 Mths)
Balance transfer fee of 1.98% or 2.98% 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 21.95% p.a. variable with a 3% fee.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 31 or 23 months, depending on your individual circumstance.
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 Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Barclaycard Avios Card
Rewards
Avios
Balance transfers
23.9% p.a. variable
Purchases
23.9% p.a. variable
Representative APR (variable)
23.9% APR
Barclaycard Avios Card
If you’re new to Barclaycard, you’ll collect 5,000 Avios if you spend £1,000 in your first 3 months. Collect 1 Avios for every £1 spent on eligible purchases to put towards flights, hotels, car hire and more. T&Cs apply.
British Airways cabin upgrade voucher if you spend £20,000 in a card year.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age21 years
Minimum Income£20,000
UK Resident
Barclaycard Avios Plus Card
Rewards
Avios
Balance transfers
23.9% p.a. variable
Purchases
23.9% p.a. variable
Representative APR (variable)
72.4% APR
Barclaycard Avios Plus Card
If you’re new to Barclaycard, you’ll collect 25,000 Avios if you spend £3,000 in your first three months. Collect 1.5 Avios for every £1 spent on eligible purchases to put towards flights, hotels, car hire and more. T&Cs apply.
British Airways cabin upgrade voucher if you spend £10,000 in a card year.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 72.4% (variable).£20 monthly fee.
Eligibility
Credit Ratinggood
Minimum Age21 years
Minimum Income£20,000
UK Resident
American Express Rewards Credit Card
Rewards
Membership Rewards
Balance transfers
-
Purchases
25.7% p.a. variable
Representative APR (variable)
25.7% APR
American Express Rewards Credit Card
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 25.7% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.7% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Nectar Credit Card
Rewards
Nectar Points
Balance transfers
-
Purchases
25.7% p.a. variable
Representative APR (variable)
31% APR
Nectar Credit Card
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 25.7% p.a. (variable), so if you borrow £1,200 the Representative APR will be 31% (variable).£25 annual fee.
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
American Express Preferred Rewards Gold Credit Card
Rewards
Membership Rewards
Balance transfers
-
Purchases
25.7% p.a. variable
Representative APR (variable)
61.4% APR
American Express Preferred Rewards Gold Credit Card
Earn 20,000 Membership Rewards points when you spend £3,000 in your first three months of Cardmembership. Terms Apply. 18+, subject to status.
Representative Example: The standard interest rate on purchases is 25.7% p.a. (variable), so if you borrow £1,200 the Representative APR will be 61.4% (variable).£140 annual fee.
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

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.

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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Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

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Last updated: 1 April, 2022