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.

Featured reward credit cards - sorted by most popular

Apply for the cards below today or search all rewards and points credit cards

  1. Great for
    Receiving £5 worth of M&S points (T&Cs apply)
    Earning M&S points when you shop
    Preferential rates on M&S Travel Money and no cash advance fee
    But be aware that
    The APR you get is subject to status, so may vary

    Representative Example:

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

  2. Great for
    Earning monthly cashback on your everyday spending. 3% cashback on fuel, National Rail and TfL, 2% cashback at department stores and 1% cashback at supermarkets
    123 Current Account holders existing and new: Receive a refund of your first years annual fee on this card. Offer valid until 31st December 2014
    Subject to status. You will receive the exact rate and offer advertised if your application is accepted
    But be aware that
    An annual fee applies

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 12.7% (variable) with a £24 annual Fee your representative APR will be 16.5% (variable).

  3. Great for
    Earning 1% cashback at all major supermarkets (excluding petrol forecourts)
    Earning 0.5% cashback on all other spend at home or abroad
    Earning 1% cashback on Contactless transactions in UK until 31st March 2015
    But be aware that
    There is an annual fee of £24

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 12.9% (variable) with a £24 annual Fee your representative APR will be 17.4% (variable).

  4. Great for
    Earning 1% cashback at all major supermarkets (excluding petrol forecourts)
    Earning 0.5% cashback on all other spend at home or abroad
    Earning 1% cashback on Contactless transactions in UK until 31st March 2015
    But be aware that
    There is an annual fee of £24

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 12.9% (variable) with a £24 annual Fee your representative APR will be 17.4% (variable).

  5. 2014 SUPERS

    Winner of our Best Credit Card Provider award 2014

    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 18.9% (variable) your representative APR will be 18.9% (variable).

  6. Great for
    Earning 5% cashback on up to £2,500 of purchases in the first three months
    After three months get a generous 1.25% cashback
    High spenders – spend over £10,001 in a year, you'll also get 2.5% cashback in your anniversary month
    But be aware that
    There is an annual fee of £25

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 14% (variable) with a £25 annual Fee your representative APR will be 18.7% (variable).

  7. Limited offer

    Great for
    Earn 3,000 bonus Flying Club miles on first purchase within 90 days of account opening
    Bonus offer: An additional 7,000 bonus miles if applied for before 31st October 2014 with a total spend of £1,000 in the first 90 days
    Earn one mile per £1 spent with the American Express® card from MBNA and one mile per £2 spent on the Visa Card
    But be aware that
    You cannot transfer a balance from another MBNA card

    Representative Example:

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

  8. Great for
    Upgrade up to Business Class when you spend £7,000 a year
    No foreign transaction fees when spending abroad
    Double Avios for six months on your Lloyds Bank Avios Rewards American Express card
    But be aware that
    There is a £24 annual fee
    You cannot transfer a balance from another Lloyds Bank card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) with a £24 annual Fee your representative APR will be 22.7% (variable).

  9. Great for
    Choosing the reward you want, which include high street vouchers, cashback and Avios
    Collecting double Choice points for the first six months on the American Express Card
    Collecting 10 Choice points for every £1 on the American Express® Card and 10 Choice points for every £5 on the MasterCard®
    But be aware that
    There is an annual fee of £24
    Your APR is subject to status and may vary
    Different earn rates of rewards/cashback apply dependent on card used

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) with a £24 annual Fee your representative APR will be 22.7% (variable).

  10. Great for
    10,000 bonus Skywards Miles on first spend
    Additional 15,000 Skywards miles if you spend £2,000 in first 90 days
    Earn two Skyward miles for every £1 spent on the American Express card and two Skyward miles for every £2 spent on the Visa card
    But be aware that
    There is a £150 annual fee
    You cannot transfer a balance from another MBNA card
    The introductory rate for purchases only applies to transactions made for flights booked at www.emirates.com/uk

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) with a £150 annual Fee your representative APR will be 54.9% (variable).

  11. Market leading

    Longest 0% combined balance transfer and purchase card

    Great for
    Collect double Nectar points on your Sainsbury's shopping (Ts&Cs apply)
    If accepted the APR and length of offer will be as stated
    Collect one Nectar point for every £5 spent on your card elsewhere
    But be aware that
    You cannot apply if you currently hold another Sainsbury’s Credit Card
    You won’t be able to transfer a balance that’s already on a Sainsbury’s Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  12. Great for
    Earning 5% cashback on up to £2,000 of purchases in the first three months
    Up to 1.25% cashback after the first three months with no annual fee
    But be aware that
    You must spend a minimum of £3,000 in a year to qualify for cashback

    Representative Example:

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

  13. Limited offer

    Great for
    Earn 18,500 bonus Flying Club miles on first purchase within 90 days of account opening
    Bonus offer: An additional 6,500 bonus miles if applied for before 31st October 2014 with a total spend of £2,000 in the first 90 days
    Earn two miles per £1 spent with the American Express® Credit Card from MBNA and one mile per £1 spent on the Visa Card
    But be aware that
    There is a £140 annual fee
    You cannot transfer a balance from another MBNA card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) with a £140 annual Fee your representative APR will be 52% (variable).

  14. Great for
    5,000 bonus Skywards Miles on first spend
    Additional 7,000 Skywards miles if you spend £1,000 in first 90 days
    Earn one Skyward mile for every £1 spent on the American Express card and one Skyward mile for every £2 spent on the Visa card
    But be aware that
    You cannot transfer a balance from another MBNA card
    The introductory rate for purchases only applies to transactions made for flights booked at www.emirates.com/uk

    Representative Example:

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

  15. 25,000 Avios when you spend £3,000 within the first three months

    Great for
    A Companion Voucher each year when you spend £10,000
    Automatic enrolment to the British Airways Executive Club
    1.5 Avios for virtually every £1 you spend
    But be aware that
    There is a £150 annual fee

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% (variable) with a £150 annual Fee your representative APR will be 56.4% (variable).

  16. 9,000 Avios when you spend £1,000 within the first three months

    Great for
    One Avios for virtually every £1 you spend
    A Companion Voucher when you spend £20,000 or more within an anniversary year
    No annual fee
    But be aware that
    You need an annual household salary of £20,000 or more to apply for this card

    Representative Example:

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

  17. Great for
    Consistently high spenders
    A free concierge service
    But be aware that
    There is a £120 annual fee - but if you are a high spender the fee should enable you to earn a higher rate of cashback
    You are more likely to be accepted if your annual income is over £50,000

    Representative Example:

    If you spend £12,000 at a purchase interest rate of 17.57% (variable) with a £120 annual Fee your representative APR will be 19.9% (variable).

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.

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