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

To find the best reward credit cards in the UK you should:

  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: