Advertisement

REWARDS CREDIT CARDS

Britain's No. 1 comparison site, offering you free, independent and whole of market comparison for all credit cards, plus exclusive offers you can't find elsewhere.


UK's longest 0% balance transfer & purchase card

  • 0% on card purchases for 12 months
  • 0% on balance transfers for 12 months
  • Exclusive offer to moneysupermarket.com ends 18th March
  • Typical rate 18.9% APR
    (variable)


The best reward credit cards available at moneysupermarket.com

» View All credit cards
  |  Updated Daily

Rewards cards listed in order of the reward value based on £4,000 annual spend.

The best available credit cards from moneysupermarket.com
Product Name Rewards Purchases Balance Transfer Typical APR (Variable) Reviews
BMI American Express Credit Card

BMI American Express Credit Card

BMI Miles

0%
3 months

0%
12 months
3% fee

15.9% APR

  • Can balance transfer to your bank a/c
  • 20000 miles for first £250 spend
  • 4.5 miles / £1 spent at flybmi.com
  • No balance transfers from MBNA cards

American Express British Airways Premium Plus

American Express British Airways Premium Plus

BA Miles

19.9%
-

19.9%
-
3% fee

46% APR

  • 6,000 BA Miles welcome bonus
  • 1.5 BA mile/£1 spent
  • Companion Voucher
  • £150 annual fee
  • Must spend £10000 a year to earn voucher

Virgin Atlantic White Card

Virgin Atlantic White Card

Virgin Miles

17.9%
-

0%
6 months
2% fee

17.9% APR

  • 3000 miles on first purchase
  • 1 flying club mile / £1 spent
  • Can balance transfer to your bank a/c
  • No balance transfers from MBNA cards

MBNA Rewards Platinum American Express

MBNA Rewards Platinum American Express

Rewards
Shopping

0%
3 months

0%
12 months
3% fee

21.9% APR

  • Double reward points - 2 points/£1 spent
  • Concierge service and cashback
  • £40 annual fee is free for the 1st year
  • No balance transfers from MBNA cards
  • You must be over 23 years of age
  • You must have an income of over £20,000

Lloyds TSB Airmiles Duo

Lloyds TSB Airmiles Duo

Airmiles

15.9%
-

0%
6 months
3% fee

15.9% APR

  • 1 mile/£10 spend on Amex
  • 150 miles per £1000 transferred

American Express British Airways

American Express British Airways

BA Miles

19.9%
-

19.9%
-
3% fee

19.9% APR

  • 1,000 bonus BA Miles
  • 1 BA Mile for virtually every £1 spent
  • Companion Voucher
  • No introductory offers

Sainsbury's Credit Card

Sainsbury's Credit Card

Nectar
Shopping

0%
10 months

0%
10 months
3% fee

15.9% APR

which-recommended-product
  • 0% for 12 months on Sainsbury's spend
  • 0% for 10 months on all other spend
  • Collect double nectar points
which-recommended-product

MBNA Platinum Rewards Card

MBNA Platinum Rewards Card

Rewards

0%
3 months

0%
13 months
2.9% fee

16.9% APR

  • Flexible choice of rewards
  • Reward points collected on all spend
  • Can balance transfer to your bank a/c
  • No balance transfers from MBNA cards
  • You must be over 23 years of age
  • You must have an income of over £20,000


Help and support

Rewards credit card guide

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 could be 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.

Glossary of terms

APR

This stands for Annual Percentage Rate. Any firm that lends money is required by law to quote the APR. Introductory rates do not include arrangement fees you may be charged and also don’t reflect any higher rate of interest that your borrowings will ultimately revert to. The APR takes into account the interest on a loan plus and additional charges making it easier for you to compare products. In general, the lower the APR the better the deal.

Balance Transfer

Balance transfer rates are applied to existing card debt that is being moved from one issuer to another or a consolidation of other debts. These rates tend to be lower than standard rates and apply to the debt transferred or consolidated for a specified term or until it is repaid in full.

Credit Card

Credit cards are a form of borrowing used to purchase goods and services, to obtain cash advances and for consolidating debt.

Direct Debit

This allows an organisation to take money directly from a persons bank account

Minimum payment

The amount you must pay each month to keep your account in order

Interest-free period

The time between when you buy something on the card and the date when you must pay your monthly bill. This can be 50 days or more and is interest-free. So if you settle your bill in full every month, it's free borrowing.

Promotional Rate

A rate that is applied to your account until a given expiry date. Thereafter it will revert to the rate applicable to your account at that time.

I want to see the full glossary of terms



Get the best credit cards from these providers

  • Bank of Scotland
  • Barclaycard
  • Capital One
  • Citi
  • Egg
  • First Direct
  • Halifax
  • HSBC
  • Lloyds TSB
  • MBNA
  • Nationwide
  • Natwest
  • Royal Bank of Scotland
  • Sainsbury's
  • Santander
  • Vanquis
  • Virgin