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Points credit cards

Super save with our best points cards 

  • MoneySupermarket is a credit broker not a lender. You must be 18 or over and a UK resident.


Compare points credit cards from across the market

MoneySuperMarket works with a range of household name credit card providers, including…

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What is a points credit card?

Points credit cards work in the same way as standard credit cards. But they allow you to earn loyalty points when you spend on the card. Some points cards offer additional bonus points in the first few months.

You can exchange your points for shopping discounts and money off other goods and services.

Find the best points credit card for your needs quickly and easily here at MoneySuperMarket. When you search with us we’ll show you your chances of being accepted for a card – and it won’t harm your credit score.


We're 100% independent, working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.

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How to choose the best points credit card deals

There are a few factors to consider when choosing the right points card for you, including:

  • 1

    Boost your credit score

    Your credit score is a record of how you have handled credit in the past. The higher your score the more points cards options and better deals available to you. Take steps to boost your score using our handy tips.

  • 2

    Shop around

    Different points credit cards will each come with different points offerings, so you’ll need to compare deals to find the one that’s right for you. Check the interest rate – or APR – before making your choice.

  • 3

    Opt for reward points you’ll use

    Some cards may only offer points on certain spending, such as department stores or supermarket spending. Pick a card that suits your spending habits – and also one that won’t tempt you to overspend.

  • 4

    Aim for highest points per pound

    Seek out points card deals that offer the most points per spend – to maximise the benefits. Some cards offer more points on particular types of spending, such as groceries or petrol, so check it suits you.

With a pre-approved credit card, the deal you see is what you get

When you apply for a rewards credit card, it’s not always clear what deal you’ll be offered or whether you’ll be accepted. But when you’re pre-approved for a credit card, you know the deal you see is the deal you’ll get – you’ll know where you stand, with information that will help you make the right choice.

  • Apply with confidence

    The interest rate and interest-free period are confirmed – the only thing not guaranteed is your credit limit

  • Tailored to you

    You’ll see your personalised chance of approval for all credit cards, so you can easily compare your options

  • You’re in safe hands

    This helps protect your credit score as you’re less likely to be rejected when you apply

Are points credit cards worth it?

  • Tick

    May suit you if...

    • You can pay off your credit card bill in full every month, as these cards often come with high rates of interest

    • You can use the card for the majority of your everyday spending maximising the points you can earn

    • You’re confident the rewards are right for you, and that you’ll make full use of the points

  • Cross

    May not suit you if...

    • You have a balance on your card which is being charged high interest - as this could wipe out any benefits from card points

    • You have a poor credit score and are unable to access the best points cards deals

    • The points and associated discounts and benefits don’t suit your needs

Compare points credit cards with MoneySupermarket

If you've decided that a points card is right for you, MoneySuperMarket makes it quick and easy to see which cards you're eligible for and what bonuses they offer. Searching with us won't harm your credit score.

  • Tell us about yourself

    We'll ask you a handful of simple questions about you and your financial circumstances, and what you need from a credit card

  • We browse the market

    We'll sift through dozens of credit card offers from across the market, and show you the cards we think will suit you best

  • Pick the card you want

    You'll be shown a range of credit cards, which you'll be able to sort according to APR, features and your chances of being approved

MoneySuperMarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

The best points credit card for you will depend on your individual circumstances and your typical spending – especially if there’s a tiered system with bonus points for particular categories of shopping and spending. The best points card for you will also depend on your credit score and eligibility.  

Credit card providers offer points on their card deals to build up a relationship with customers, and to keep you loyal. The hope is you’ll spend more on your credit card because you want to build up reward points. If you can clear your balance each month and not pay interest on your spending – but just earn the reward points back – then this is a clever way to use your credit card.

The process will differ from one card provider to the next. You can request to exchange them for vouchers or discounts to use in-store, or you can request to use them against the next thing you buy. To do this, you will typically have to log on to your card provider’s website or app to ask for this. You may also be able to set your preferences in your card account online so you can spend your points as soon as you’ve earned them. Then, when you use your card as normal, the monetary equivalent of your points will be credited to your account – saving you money. 

If you have a low credit score it still may be possible to get a rewards or points credit card – but it could be more difficult.

Check your credit file before applying for any credit card then you’ll know where you stand. You can also take steps to correct any errors on your credit file which could affect your application. There are lots of ways you can boost your score which could improve your chances of getting a credit card. 

When using a credit card, it’s best to pay off your entire credit card balance every month if you can afford to – this way you won’t pay interest and you can avoid building up debt. If you can’t afford to pay off the full balance, pay off at least the minimum monthly payment – ideally more.

Also avoid missing payments – credit card providers will often charge a penalty when you do, but more importantly, you risk harming your credit score.

Setting up a direct debit could be a good way to ensure you pay off at least the minimum amount of your credit balance each month. 

Each time you make an application for a credit card, it leaves a record on your credit report. Too many applications will make it look like you are in desperate need for credit and as a result, your application may be rejected.

Some credit cards have extra benefits that reward you when you use them a certain way. While some of them can be tempting, it’s better to get a credit card that will give you rewards for the way you spend already. For example, an airmiles credit card is only going to be useful if you’re a regular flyer, no matter how tempting lounge access might be – but if you’re a regular shopper at a particular high street store, there might be a credit card that gives you cashback for shopping there.

If you’re planning to use your credit card overseas, check whether or not you’ll be charged for doing so. Many credit cards charge foreign transaction fees, so it can be a good idea to look for a card that won’t charge you for using it abroad.

Some cards will charge a fee if you use it to take cash out of a machine, and on top of that you’ll be charged interest from the moment you receive your money. So avoid using your credit card for cash withdrawals unless it’s an emergency.

Credit card fraud, like any fraud, can be very serious – you should always take care when using your credit card, and be careful where you keep it. Never tell anyone your PIN and regularly check your statements to make sure there are no surprises.

If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit cards and compare them by a range of factors, including their interest rates and any benefits and rewards they come with.

All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will show your chances of being accepted for different credit cards. This won’t affect your credit score, so you can run a check without any worries.

Once you know which card you want, you can normally apply by phone, online, or in person if the provider has a high street branch. However, when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.

MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.

  • Take control of your credit score by checking and improving it for free with Credit Monitor

  • Never overpay again with Energy Monitor, our energy monitoring service

  • Over 50 ways to Get Money Calm

So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.

But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?

We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.