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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11 results found, sorted by longest purchase period. How we order our comparisons.
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M&S Bank Shopping Plus Credit Card
Rewards
M&S Points
Balance transfers
0% for 23 months with a 2.9% fee (£5 min.)
Purchases
0% for 23 months
Representative APR (variable)
21.9% APR
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 2.9% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Sainsbury's Bank Dual Offer Credit Card
Rewards
Nectar Points
Balance transfers
0% for 23 months with a 3% fee (£3 min.)
Purchases
0% for 23 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 23 or 15 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
M&S Bank Reward Credit Card
Rewards
M&S Points
Balance transfers
0% for 12 months with a 2.9% fee (£5 min.)
Purchases
0% for 12 months
Representative APR (variable)
19.9% APR
Get double M&S points on all M&S shopping for the first 12 months and a bonus points voucher for 500 M&S points worth £5. T&Cs apply.
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 19.9% p.a. variable with a 2.9% fee.
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% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
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
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 Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Balance Transfer 32 Months Credit Card
Rewards
Nectar Points
Balance transfers
0% for 32 months with a 2.24% fee (£3 min.)
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Balance transfer fee of 2.24% or 3% 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 32 or 24 months 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 Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Sainsbury's Bank Balance Transfer 28 Month Credit Card
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
A Balance Transfer fee of 1% or 1.5% applies on transfers made within the first 3 months, depending on your individual circumstances (£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 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 Ratinggood
Minimum Age18 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 Ratinggood
Minimum Age18 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 Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Nectar Credit Card
Rewards
Nectar Points
Balance transfers
-
Purchases
24.5% p.a. variable
Representative APR (variable)
29.8% 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 24.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.8% (variable).£25 annual fee.
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
American Express Rewards Credit Card
Rewards
Membership Rewards
Balance transfers
-
Purchases
24.5% p.a. variable
Representative APR (variable)
24.5% 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 24.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.5% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
American Express Preferred Rewards Gold Credit Card
Rewards
Membership Rewards
Balance transfers
-
Purchases
24.5% p.a. variable
Representative APR (variable)
59.9% APR
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 24.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 59.9% (variable).£140 annual fee.
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident

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Last updated: 20 December, 2021

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. 

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