REWARDS CREDIT CARDS

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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

| 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 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 Spend £250 on card purchases within 90 days of the account opening to receive 20,000 destination miles. You can earn 4.5 destination miles for every £1 spent on bmi flights booked at flybmi.com. Earn 1.5 destination miles for every £1 spent on all other card purchases. There is no annual fee with this card. The interest rate charged on all purchases after the introductory period of 0% for 3 months will be 15.9% APR. In order to transfer a balance at the introductory rate this must be undertaken within the first 90 days of account opening. The interest charged on balance transfers after the introductory period will be 17.9% APR. Receive up to 50 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is your balance (if this is less than £25); or whichever is the greater of: £25; or 1% of your statement balance before any default charges and interest (default charges and interest will then be added). Destination miles are earned with this card, which can be converted into flights to 975 destinations worldwide. The card has a typical APR of 15.9% and pays a bonus 20,000 destination miles if you spend £250 within the first 90 days. 1.5 destination miles are awarded for every £1 spent on purchases, and 4.5 destination miles when used to purchase Bmi flights at flybmi.com. The card is issued by MBNA who score poorly (54%) in the Which? customer satisfaction survey. The average customer satisfaction score for all providers is 68%. Exclusive Which? membership offer

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 Whilst the card has an annual fee of £150 you can claim 6000 miles for first purchase. Collect 1.5 BA Mile for every £1 spent and 3 BA Miles for £1 spent with British Airways and BA Holidays. Spend £10,000 on your Card in any given year and receive a companion ticket when you redeem your BA Miles for a British Airways flight. There is no introductory purchases offer on this product and any purchases will incur 19.9% interest rate. There is no introductory balance transfer offer on this product and any balance transfers will incur 19.9% interest rate with up to a 3% balance transfer fee. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is 2.5% or £5, whichever is the greater. Big-spending frequent-flyers can build up 'BA Miles' to convert into flights. Your first transaction will earn you 6,000 bonus BA Miles, with a further 1.5 BA Miles for virtually every £1 spent and double BA Miles on BA flights and holidays. The card has a hefty typical APR of 46% which includes the £150 annual fee. This still leaves a high typical APR of 19.9% on card purchases and a high foreign loading fee of 2.99%. American Express scores a just below average 66% in our Which? customer satisfaction survey. The average customer score for all providers is 68%. Exclusive Which? membership offer

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 Claim 3000 Flying Club miles when you make your first purchase and then 1 Flying Club mile for every £1 spent. There is double Flying Club miles on Virgin Atlantic or Virgin Holidays and companion reward flights available when you spend over £15,000 on the card in a year. There is no introductory purchases offer on this product and any purchases will incur 17.9% interest rate. The interest charged on balance transfer after the introductory period will be 17.9% APR Receive up to 46 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is 1% or £25, whichever is the greater. Big-spending frequent flyers can save up Flying Club Miles which can be converted into flights. The card comes with a typical APR of 17.9% and charges a 2.75% foreign loading fee. You receive a bonus 3,000 Flying club miles on your first purchase within 90 days. You get 1 Flying Club mile for every £1 spent and 2 Flying Club miles for every £1 spent on Virgin Atlantic, Virgin Holidays and Regus Business Centres. Virgin score a poor 56% in our Which? customer satisfaction survey. The average customer satisfaction score for all providers is 68%. Exclusive Which? membership offer

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 For every £1 you spend, you earn 2 reward points. As soon as you make your first card purchase on your rewards credit card you'll start to accrue reward points or discounts. You can redeem points for holidays, experiences, wine and cash. Receive exclusive offers and discounts on the best leisure, dining and shopping offers through American Express Selects. Apply now and the card annual fee of £40 is free for the first year. The interest rate charged on purchases after the introductory period will be 15.9% APR. In order to transfer a balance at the introductory rate this must be undertaken within the first 90 days of account opening. The interest charged on balance transfers after the introductory period will be 17.9% APR. Receive up to 50 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is your balance (if this is less than £25); or whichever is the greater of: £25; or 1% of your statement balance before any default charges and interest (default charges and interest will then be added). This rewards card from MBNA comes with a pretty hefty typical APR of 21.9%. It includes a 12 month introductory 0% balance transfer deal with 3% handling fee and 0% on purchases for the first 3 months. You earn 2 MBNA reward points for every £1 spent. MBNA score poorly in our Which? customer satisfaction survey with a low 54%. Exclusive Which? membership offer

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 You can collect rewards twice with the Lloyds TSB Airmiles Duo Credit Cards. Collect 1 Airmile for every £10 spent on your American Express Card or 1 mile for every £50 spent on your MasterCard. You can also get extra miles by shopping via the Airmiles eStore – home to over 200 online stores like Tesco Direct, eBay, and iTunes plus many more. Redeem your miles on free flights, holidays and days out. There is no introductory purchases offer on this product and any purchases will incur 15.9% interest rate. In order to transfer a balance at the introductory rate this must be undertaken within the first 6 weeks of account opening. The interest charged on balance transfer after the introductory period will be 15.9% APR. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is 2% or £5, whichever is the greater. This card comes in two versions one with a American Express network and the other with MasterCard. The main perk of this card is to earn Airmiles. You earn 1 Airmile for every £10 spent on the Amex card and 1 Airmile for every £50 spent on the MasterCard. The card comes with a typical APR of 15.9%, it also has a 3 month 0% balance transfer however this can be extended to 6 months if you spend £100 during the first 3 months. Lloyds score a poor 57% in our Which? customer satisfaction survey. The average customer satisfaction score for all providers is 68%. Exclusive Which? membership offer

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 Spend £500 or more in the first 3 months and receive a bonus 1,000 BA Miles. Collect 1 BA Mile for virtually every £1 spent. Spend £20,000 on your card in any given year and receive a companion ticket when you redeem your BA Miles for a British Airways flight. There is no introductory purchases offer on this product and any purchases will incur 19.9% p.a. interest rate. There is no introductory balance transfer offer on this product and any balance transfers will incur 19.9% interest rate with 3% balance transfer fee. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is 2.5% or £5, whichever is the greater. If you're a big-spending frequent flyer, this card offers BA Miles which can be converted into flights. Spend £500 in your first 3 months and you'll earn 1,000 bonus BA Miles, with a further 1 BA Mile for virtually every £1 spent. The card has a high typical APR of 19.9% and a high foreign loading fee of 2.99% when the card is used abroad. American Express score a just below average 66% in our Which? customer satisfaction survey. The average customer satisfaction score for all providers is 68%. Exclusive Which? membership offer

Sainsbury's Credit Card	Nectar Shopping	0% 10 months	0% 10 months 3% fee	15.9% APR
0% for 12 months on Sainsbury's spend 0% for 10 months on all other spend Collect double nectar points Every time you shop at Sainsbury’s with your Sainsbury's Credit Card they will give you 2 Nectar points for every £1 you spend in the first 2 years. You can build up Nectar points when you use your Sainsbury’s Credit Card elsewhere too earning 1 point for each £5 you spend. Great offer with an extended 0% rate on Sainsbury's purchases for 12 months. The 0% rate on all other spend is 0% for 10 months which remains one of the leading cards in the market. Also collect 2 Nectar points on every £1 spent at Sainsbury's for the first 2 years and collect 1 Nectar point for every £5 spent elsewhere. The interest rate after the 0% period is annual percentage rate (APR) of 15.94% on any purchases you make. The interest charged on balance transfers after the introductory period will be 15.94% APR. Up to 59 days interest free from the date a purchase is made if you pay your statement balance in full and on time each month. The minimum monthly repayment is 2.25% or £5, whichever is greater. This 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. An introductory 0% deal on purchases for 10 months or 12 months on Sainsbury's shopping. This card also offers a loyalty point scheme. Make sure you pay off any debt you accrue during the introductory offer as this will revert to the card's headline rate at the end of the 0% deal. Which? Recommended Providers are companies that are both rated highly by our Which? members and have products that meet the high standards of our researchers. To feature as a Which? Recommended Provider, a company must achieve a Which? customer satisfaction score of 70% or above and have at least one Top 10 credit card to receive our recommendation. Exclusive Which? membership offer

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 For every £1 you spend, you earn 1 reward point by using your card for everyday purchases. As soon as you make your first card purchase on your rewards credit card you'll start to accrue reward points or discounts. Reward points can be redeemed as soon as you earn them. You can redeem points for travel services, entertainment, high street vouchers and wine. If you prefer straight cash, you can exchange your points for this with a credit being paid directly to your credit card account. 5,000 reward points = £20; 7,500 reward points = £30; 12,500 reward points = £50; 25,000 reward points = £100. Once registered for the programme you'll automatically receive MBNA Reward points for all your retail spending. You will not be charged interest on any purchases for the first three months. Once the 0% period ends you will be charged an annual percentage rate (APR) of 16.9% on any purchases you make. In order to transfer a balance at the introductory rate this must be undertaken within the first 90 days of account opening. Once the 0% period ends you will be charged an annual percentage rate (APR) of 18.9% on the transferred balance. Receive up to 50 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is whichever is the greater of: £25; or 1% of your statement balance before any default charges and interest (to which default charges and interest will then be added). A good 0% balance transfer deal of 13 months charging a 2.9% fee. A typical APR of 16.9%. The card also includes a loyalty scheme, however MBNA score poorly in our Which? customer satisfaction survey with a low 54%. The average customer satisfaction score for all providers is 68%. Exclusive Which? membership offer

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.

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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

REWARDS CREDIT CARDS

UK's longest 0% balance transfer & purchase card

The best reward credit cards available at moneysupermarket.com

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Rewards credit card guide

What is a rewards credit card?

Benefits

Negatives

Alternatives

Glossary of terms

APR

Balance Transfer

Credit Card

Direct Debit

Minimum payment

Interest-free period

Promotional Rate

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REWARDS CREDIT CARDS

UK's longest 0% balance transfer & purchase card

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The best reward credit cards available at moneysupermarket.com

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Help and support

Rewards credit card guide

What is a rewards credit card?

Benefits

Negatives

Alternatives

Glossary of terms

APR

Balance Transfer

Credit Card

Direct Debit

Minimum payment

Interest-free period

Promotional Rate

Send me the best new deals, special offers and tips...

Get the best credit cards from these providers