Compare rewards credit cards

If you spend on your credit card, but pay off the balance in full every month, then it is a great idea to choose a card that rewards you for using it. Rewards cards offer benefits ranging from Airmiles to money off in high street stores and for days out. Moneysupermarket.com, offers a wider choice of credit card deals than any other comparison site, helping you identify the best card for your needs.

results for rewards cards

Card	Typical APR (Variable)	Price for Risk Our 'Price for Risk' logo indicates that the credit card will assess your personal circumstances and credit history to determine the APR available to you. This may result in you being offered a different rate than that quoted
MBNA Platinum Rewards Card	15.9%	No	MBNA Platinum Rewards Card 0% on Balance transfers for 13 months (BT fee 2.9%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
MBNA Platinum Rewards Card	15.9%	Our expert says: "A good alternative to a cashback card because reward points can be used at a wide range of high street retailers including John Lewis, Boots and Debenhams. Earn 1 point for every £1.00 spent on the card. There is a 13-month 0% offer on balance transfers, but don’t use the card for this purpose if you’ll spend on it as well: purchases are only interest-free for 3 months – you’ll be charged 15.9% thereafter"
bmi American Express Credit Card from MBNA	15.9%	No	bmi American Express Credit Card from MBNA 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
bmi American Express Credit Card from MBNA	15.9%	Our expert says: "Competitive reward card that’s worth considering if you are a frequent flyer. Earn 1.5 destination miles for every £1.00 spent and 4.5 for every £1.00 spent on flybmi.com. Spend £250 in the first 90 days and receive 20,000 bonus miles. There is a 12-month 0% offer on balance transfers, but don’t use the card for this purpose if you’ll spend on it as well: purchases are only interest-free for 3 months – you’ll be charged 15.9% thereafter"
Marriott Rewards Card	15.9%	Yes	Marriott Rewards Card 0% on Balance transfers for 9 months (BT fee 3%) 0% on Purchases for 6 months 15.9% Typical APR (Variable) 23% on Cash advances No annual fee 18 years Minimum age
Marriott Rewards Card	15.9%	Our expert says: "Earn Marriott Rewards points every time you spend on your card. Receive 10,000 bonus Marriott Rewards points on your first purchase & 10 nights credit towards Elite member status each year"
Manchester United Credit Card	15.9%	No	Manchester United Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Manchester United Credit Card	15.9%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Sainsbury's Credit Card	15.9%	Yes	Sainsbury's Credit Card 0% on Balance transfers for 10 months (BT fee 3%) 0% on Purchases for 10 months 15.9% Typical APR (Variable) 24.9% on Cash advances No annual fee 18 years Minimum age
Sainsbury's Credit Card	15.9%	Our expert says: "Great card if you shop at Sainsbury’s regularly: Earn 2 Nectar points for every £1.00 spent at Sainsbury’s and 1 point for every £5.00 spent elsewhere. Also one of the leading 0% deals: balance transfers and most purchases are interest-free for 10 months. Spend at Sainsbury’s is interest-free for 12 months"
England Credit Card	15.9%	No	England Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
England Credit Card	15.9%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Tottenham Hotspur Credit Card	15.9%	No	Tottenham Hotspur Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Tottenham Hotspur Credit Card	15.9%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000"
SonyCard	15.9%	No	SonyCard 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
SonyCard	15.9%	Our expert says: "Ideal if you want to collect reward points that can be used to buy music, film and electronic items. Receive 3,000 points when you make a purchase within the first 90 days.There is a 12-month 0% offer on balance transfers, but don’t use the card for this purpose if you’ll spend on it as well: purchases are only interest-free for 3 months – you’ll be charged 15.9% thereafter"
Aston Villa Rewards Platinum Credit Card	15.9%	No	Aston Villa Rewards Platinum Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Aston Villa Rewards Platinum Credit Card	15.9%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000"
Liverpool FC Rewards Platinum Credit Card	15.9%	No	Liverpool FC Rewards Platinum Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Liverpool FC Rewards Platinum Credit Card	15.9%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Chelsea Rewards Platinum Credit Card	15.9%	No	Chelsea Rewards Platinum Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Chelsea Rewards Platinum Credit Card	15.9%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Arsenal Rewards Platinum Credit Card	15.9%	No	Arsenal Rewards Platinum Credit Card 0% on Balance transfers for 12 months (BT fee 3%) 0% on Purchases for 3 months 15.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
Arsenal Rewards Platinum Credit Card	15.9%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + You must be over the age of 23 + You must be a UK resident with an income over £20,000 "
Virgin Credit Card	16.6%	No	Virgin Credit Card 0% on Balance transfers for 16 months (BT fee 2.98%) 0% on Purchases for 3 months 16.6% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age Shopping
Virgin Credit Card	16.6%	Our expert says: "This is a market leading balance transfer card with a 0% introductory period on balance transfers for 16 months with a 2.98% balance transfer fee. Also use this card to get money off your holidays"
AA Credit Card	16.9%	No	AA Credit Card 0% on Balance transfers until December 2010 (BT fee 2.99%) 16.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
AA Credit Card	16.9%	Our expert says: "Attractive reward card, particularly for AA members. Members receive 2 points for every £1.00 spent on motoring costs and 1 point per £1.00 for other spending. Non-members receive 1 point for every £2.00 spent. Balance transfers are interest-free until Dec 2010. Spend on motoring products and services, fuel and AA products are interest free until Dec 2010"
BT Credit Card	16.9%	No	BT Credit Card 0% on Balance transfers for 13 months (BT fee 3%) 0% on Purchases for 3 months 16.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age
BT Credit Card	16.9%	Our expert says: "0% period on balance transfer applies when made in the first 90 days + Earn money off your BT bill with the BT Credit Card + You must be over the age of 23 + You must be a UK resident with an income over £20,000"
Virgin Atlantic White Card	17.9%	No	Virgin Atlantic White Card 0% on Balance transfers for 6 months (BT fee 2%) 17.9% Typical APR (Variable) 20.9% on Cash advances No annual fee 18 years Minimum age
Virgin Atlantic White Card	17.9%	Our expert says: "Generous reward scheme. Save for free flights: you receive 3,000 Flying Club miles when you make your first purchase, then 2 miles for every pound you spend on Virgin Atlantic flights or Virgin Holidays and 1 mile for every pound spent elsewhere. Cardholders get 10% off Virgin Holidays"
British Airways American Express	19.9%	No	British Airways American Express 19.9% Typical APR (Variable) 27.9% on Cash advances No annual fee 18 years Minimum age £30000 p.a. Minimum income
British Airways American Express	19.9%	Our expert says: "Collect 1,000 bonus BA Miles when you spend £500 in the first 3 months also collect 1 BA Mile for every £1.00 spent thereafter on all purchases. Only consider this card if you pay your credit card off each month, otherwise the interest you’ll pay – 19.9% APR - will outweigh the value of the rewards"
British Airways American Express Premium Plus Card	46%	No	British Airways American Express Premium Plus Card 46% Typical APR (Variable) 27.9% on Cash advances £150 Annual fee 18 years Minimum age £30000 p.a. Minimum income
British Airways American Express Premium Plus Card	46%	Our expert says: "Aimed at high spenders and frequent flyers, this offers a more generous reward scheme than BA’s standard Airmiles card. You receive 6,000 miles when you first use the card and 1.5 BA Miles for every £1.00 spend. But, there is a £150 annual fee which is why this card is only suitable if you travel regularly and are an above-average credit card user"
RBS Black	51.8%	No	RBS Black 51.8% Typical APR (Variable) 16.6% on Cash advances £250 Annual fee 25 years Minimum age £75000 p.a. Minimum income
RBS Black	51.8%	Our expert says: "£250 annual fee. Benefits include £15k minimum credit limit, worldwide annual travel insurance for you and your family, breakdown cover, home emergency cover, airport lounge access, 24/7 personal assistance service and more. 51.8% APR is calculated using a £1,500 credit limit in line with CCA regulations. If the APR is calculated using the Black Card's £15,000 minimum credit limit the rate is 16.8% Typical APR (Variable). You must be 25 years or over and have a minimum annual income of £75,000 to apply for this card."
NatWest Black	51.8%	No	NatWest Black 51.8% Typical APR (Variable) 16.6% on Cash advances £250 Annual fee 25 years Minimum age £75000 p.a. Minimum income
NatWest Black	51.8%	Our expert says: "£250 annual fee. Benefits include £15k minimum credit limit, worldwide annual travel insurance for you and your family, breakdown cover, home emergency cover, airport lounge access, 24/7 personal assistance service and more. 51.8% APR is calculated using a £1,500 credit limit in line with CCA regulations. If the APR is calculated using the Black Card's £15,000 minimum credit limit the rate is 16.8% Typical APR (Variable). You must be 25 years or over and have a minimum annual income of £75,000 to apply for this card."

Everything you need to know about rewards credit cards

What is a rewards credit card?

Like cashback cards, a reward credit card, as its name suggests, rewards you every time you spend on it. One of the best things about rewards credit cards is that you can choose one to suit your lifestyle. If you are something of a globetrotter, for example, then a card on which you earn Airmiles will offer great benefits.

If, on the other hand, you have a large family that costs a huge amount to feed each week, a card offering money off your weekly grocery shop is a better option.

Benefits

You will earn reward points each time you spend on your card. What these points can be used for will depend on which credit card you opt for, but they can be exchanged for things such as Airmiles, high street shopping vouchers or days out to places such as Alton Towers

Negatives

A rewards credit card is only worth considering if you pay your balance off in full each month. Otherwise, the interest you are charged on your outstanding debt will outweigh the value of the reward.

Alternatives

Cashback cards are a more flexible alternative to reward cards as they give you a percentage of all your spending back - you are not restricted on how the 'reward' is used.

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