MoneySuperMarket.com

Compare rewards and points credit cards

Earn reward points as you shop! Use MoneySupermarket's comparison of the best rewards and points credit cards to find the right one for you, whether you use your card for travel, everyday shopping or just treating yourself once in a while.

MoneySuperMarket Deal of the week

Reward credit cards - sorted by most popular

  1. Limited offer

    LIMITED JUNE OFFER – BALANCE TRANSFER FEE REFUND FROM 2.9% TO 2.47%

    Great for
    Receiving £30 worth of vouchers with first spend of £500 in the first 3 months
    Double points on groceries and petrol
    A reduction in the fee of 0.43%: from 2.9% to 2.47%
    But be aware that
    You cannot transfer a balance from another Barclaycard

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  2. Great for
    Collecting 10 Nectar points per £1 spent on Sainsbury’s shopping for the first 3 months
    Collecting Nectar points on all spend after the first 3 months
    But be aware that
    You cannot already hold a Sainsbury's card
    Interest rates range from 16.9% - 22.9%

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

  3. Great for
    Receiving 9,000 Avios if you spend £1,000 in the first 3 months
    Enrolment to the British Airways Executive Club
    No annual fee
    But be aware that
    You need an annual household salary of £30,000 or more to apply for this card

    Representative Example:

    If you spend £1,200 at an annual interest rate of 15.9% (variable) your representative APR will be 15.9% (variable).

  4. Great for
    Earning Reward Points every time you shop
    Earn DOUBLE Reward Points on all spend in the first 90 days
    Use your points to claim cashback on your account
    But be aware that
    You cannot transfer a balance from another MBNA or Virgin card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 12.9% (variable) your representative APR will be 12.9% (variable).

  5. Great for
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 16.9% (variable) your representative APR will be 16.9% (variable).

  6. Great for
    Earning 5% cashback on Sainsbury’s shopping for the first 3 months
    Earning £5 cashback each month when you spend £500 per month on shopping, split at Sainsbury's and other retailers
    But be aware that
    Interest rates range from 17.9% - 22.9%

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

  7. Market leading

    Offers the lowest standard APR on purchases

    Great for
    Collecting 10 Nectar points per £1 spent on Sainsbury’s shopping for the first 3 months
    Collecting Nectar points on all spend after the first 3 months
    But be aware that
    There is no 0% period

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 7.84% (variable) your representative APR will be 7.8% (variable).

  8. Great for
    Earning 5% cashback on Sainsbury’s shopping for the first 3 months
    Earning £5 cashback each month when you spend £500 per month on shopping, split at Sainsbury's and other retailers
    But be aware that
    There is no 0% period

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 7.84% (variable) your representative APR will be 7.8% (variable).

  9. Great for
    Earning M&S points when you shop
    Buying M&S Travel Money with no cash advance or foreign exchange fees
    But be aware that
    Interest rates range from 16.9% - 20.9%

    Representative Example:

    If you spend £1,200 at an annual interest rate of 16.9% (variable) your representative APR will be 16.9% (variable).

  10. Limited offer

    Spend £500 a month for the first 3 months and get 15,000 Avios – Enough for a return flight

    Great for
    Collecting Avios on almost all purchases
    Double Avios on spending abroad
    But be aware that
    You cannot transfer a balance from another Lloyds TSB card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

  11. 2,500 bonus points

    worth £12.50, to get you started plus another 2,500 points every year

    Great for
    Earning double points for the first 15 months
    Earning YourPoints on every £1 spent
    Spending your points with over 100 airlines, 56,000 hotels, top retailers, theatre tickets and much more
    But be aware that
    You must have a minimum income of £10,000 pa

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 16.95% (variable) your representative APR will be 16.9% (variable).

  12. Great for
    Earning cashback on all your purchases
    No foreign exchange fee
    No annual fee
    But be aware that
    You need an annual income of more than £20,000 to apply

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.94% (variable) your representative APR will be 19.9% (variable).

  13. Exclusive

    Exclusive offer only available to MoneySupermarket customers

    Great for
    Receiving a £20 Amazon Gift Certificate (T&Cs apply)
    Helping build your credit rating, and now track changes with FREE reports and alerts worth up to £80 per year
    Being able to reduce your interest rate to 19.9% APR (variable) by keeping to your credit limit and repaying on time
    But be aware that
    You must not have received a CCJ in the past 12 months

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 34.92% (variable) your representative APR will be 34.9% (variable).

See more rewards & cashback cards

Rewards and points credit card guide

How would you like to get something back every time you spend on your credit card? It sounds too good to be true, doesn’t it? But a reward credit card literally rewards you for spending.

Earn points when you spend

There are various different types of reward credit card but you commonly earn points every time you spend on the card. So, you might earn one reward point for every pound £1 you spend. When you have earned 100 points, you could be entitled to a reward worth £1. In other words, you spend £100 and get back £1.

The points can normally be exchanged for shopping vouchers or discounts in retail or entertainment outlets. Some cards even allow you to collect points to put towards the cost of flights.

How to cash in your reward

Some cards offer different rewards depending on where you spend in order to promote shopper loyalty. For example, you might earn one point for every £1 you spend in a particular store, but one point for every £2 spent at other retailers. There are usually restrictions on how you cash in your reward, too. Some cards, for example, only allow you to redeem points against purchases in one particular store, or in a limited number of outlets.

Clear your debts in full

The interest rates on reward and points credit cards are not normally particularly competitive. These cards are therefore only really suited to people who can afford to clear their balance in full every month. If you allow debts to build up, you will almost certainly pay more in interest than you will get back in rewards.

You should also look carefully at the terms and conditions of reward cards. After all, if you are not a frequent flyer, why bother collecting points towards flights? And if you aren’t a regular shopper, a reward card might not be the best choice.

There is also little to be gained by transferring a balance to a reward card as you normally only earn rewards when you spend on the card.

Multiple reward cards

Some people prefer the flexibility of cashback cards, which give you cash back every time you spend. Of course, there is no reason why you shouldn’t take out multiple cards to make full use of all the different types of reward – as long as you can keep track so that your debts are always under control.

Compare reward and points credit cards

MoneySupermarket’s free independent comparison service makes it quick and easy to compare reward credit cards and find the best deal. We have details of all the top offers to help you make an informed choice and make the most of any rewards.  

Your personalised chance of approval

We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

Explore
0% balance transfer credit cards
0% purchase credit cards
Balance transfers and purchases
Moneysupermarket's exclusive credit cards
Low fee balance transfer credit cards
Credit cards for bad credit
Credit Builder credit cards
Low rate credit cards
Reward credit cards
Airline credit cards
Overseas spending credit cards
Cashback credit cards
More credit cards...
Features
Premium and charge cards
Guides
Advantages and disadvantages
Best credit cards to use abroad
Credit card glossary
Guide to credit cards
What is a balance transfer?
What is a credit card?
What is a good credit score?
What is credit scoring?
What type of card is best for me?
Will I be accepted?
Student credit cards
Getting your first credit card
How to get approved for a credit card
Easy to get credit cards for poor credit
How to apply for a credit card
Money transfer credit cards
Explore more credit cards
AA
Amazon
American Express
Aqua
Asda
Bank of Scotland
More companies...
Close

Cookie use

MoneySupermarket uses cookies, small text files which are downloaded to your computer's hard drive when you visit most websites.

Read more

Cookies are harmless files which can help improve the experience. Cookies allow websites to respond to you as an individual. The website can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Read less | Cookie Policy