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Rewards credit cards

Find cards that give you rewards or cashback on your everyday spending

Rewards credit cards

  • Get air miles, cashback and more when you spend
  • See if you're eligible without harming your credit score
  • Compare leading providers

Compare rewards credit cards from a wide range of providers

Shopping around is always important, especially when it comes to credit cards. We help you compare deals from leading providers across the market so you can be confident to pick the best deal for your needs.

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What is a rewards credit card?

With a rewards credit card you'll get a financial kickback with lots of your everyday spending on the card.

The reward might be cashback, air miles, rewards points or vouchers. The more you spend, the more you can earn - and some cards might even give you access to exclusive deals and events.

Used wisely rewards credit cards can be a good way to get a bit of money back on your daily expenses. But it can be tricky to work out which card is best for you. That’s where we can help. Comparing with MoneySupermarket is quick and easy – and it won’t affect your credit score. 

Just tell us a bit about yourself and your finances, and we’ll show you what kind of rewards and bonuses you could be getting – and how likely you are to be accepted if you apply for a card.

 

What types of reward card can I get?

There's a broad range of rewards cards on offer - but they come in three basic types. It's good to think about what kinds of perks you're after, so you can find the rewards card that best suits your needs.

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Cashback

Every time you spend money on your plastic, cashback cards put a percentage back in your wallet - use it in the right way and you could earn hundreds of pounds a year

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Points

This gives you points at supermarkets and department stores whenever you use your card. A points card could be handy if you do a lot of shopping at one place.

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Airline

Using an airline card builds up points you can redeem for flights, hotel rooms and car hire - so every purchase made with the card could save you money on your next holiday.

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

When you apply for a 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.

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Apply with confidence

When you’re pre-approved, the interest rate, interest-free period and fee (if there is one) are all confirmed – the only thing not guaranteed is your credit limit

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Tailored to you

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

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You’re in safe hands

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

How to choose the best rewards card

With so many rewards credit cards to choose from it can be hard to work out which is best for you. Compare rewards cards easily at a glance with MoneySuperMarket. Here are some things to look out for:

  • one icon

    Bang for your buck

    Rewards cards can pay cashback – typically anything from 1% to 5% or more. If maximum cashback is your priority search for those cards with the highest rates 

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    Find out the fee

    Keep in mind that some rewards cards charge an annual fee. If the cost is high it might not be worth it even for the cashback or rewards you earn as the annual fee will wipe out your cashback

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    When's your reward paid?

    When will you want your reward? Some cards pay out monthly, while others will make you wait until the end of the year. Check your card’s policy suits your expectations

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    How much is a point?

    A points card might give you one point for every £1, £5, or £10 you spend, for example – but how much is that point worth when you redeem it? Check the terms of your card

  • five icon

    Where do you shop?

    Points cards only give vouchers for specific stores – so even if a card offers you a great deal, make sure it fits your shopping habits

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    What's the network?

    Airline rewards cards only offer deals on selected air carriers and hotels – their ‘network’ – so make sure it’s one you’re happy to use

Can I get a rewards credit card with bad credit?

If you've had debt problems in the past or you've never had a credit card before, you could have a low credit score. This can make it difficult to be accepted for some credit cards.

It could still be possible to get a rewards credit card – but your options are likely to be more limited and you might not have access to the best deals. 

Getting a rewards card with bad credit also means that your APR is likely to be much higher, increasing your risk if you go into debt.

The best way to get a great deal on a rewards card with bad credit is to start with a credit builder card. These cards can slowly help to improve your credit score – use them responsibly, and you’ll be able to get approved for an increasing range of credit options in the future.

 

Is a rewards credit card worth it for me?

Getting a rewards credit card could be well worth it, or it could end up costing you in the long run. It all depends on how you plan to use the card.

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    Big spenders

    Rewards cards work best when you use them like a debit card, spending on as many transactions as possible to build up points

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    Trying to budget

    Rewards cards encourage you to spend more, so if you’re trying to keep a lid on your expenses you might want to avoid the temptation 

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    Steady income

    Rewards cards have high APRs, so it’s best not to get into debt. They’re a good deal if you know you can pay off the balance each month

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    In the red

    If you can’t pay your balance in full each month avoid rewards cards – interest rates can be high so debt will rise and your credit score could suffer 

  • Tick icon

    Loyal customers

    You might get extra points if you use your card at particular stores, so rewards cards are best if you tend to do a lot of your shopping in one place

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    Fees and charges

    Many rewards cards charge an annual or monthly fee. You’ll also get hit with fees if you use a card at a cashpoint or overseas 

Compare rewards credit cards with MoneySupermarket

If you've decided that a rewards 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.

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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

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We browse the market

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

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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.

 

There’s no single best rewards card – it all depends on what kind of bonuses you’re after, and what credit limit or APR works best for you. Providers are always making new offers, and new rewards cards with different perks regularly hit the market. Your best bet is to compare rewards cards to see what options are available to you, and then see which one you like the best. 

Reward credit cards can be very valuable to the right person. If you're a careful spender who makes purchases on their credit card and pays it all off every month, a rewards card will absolutely benefit you - it's a smart way of getting a little bit of cash back on your purchases, or making savings down the line on flights or at your favourite store.

However, if you aren't always absolutely certain to pay off your balance each month, a rewards card is not for you. These cards mostly come with high APRs, so any outstanding credit will accrue interest rapidly, negating the benefits from points and cashback.

Hotel points are a less common credit card reward, and tend to be tied to premium cards (link). There are several options on the market, most of which will only work on one particular hotel chain.

If you’re a frequent traveller, hotel point credit cards might be useful to you, but premium credit cards usually come with annual fees and entry requirements.

There are many credit cards with decent rewards available in the UK. The best way to find a deal to suit you is to use MoneySuperMarket to compare credit cards.

Every time you use your credit card, your credit card provider charges a small fee to the merchant – and when you use a rewards card, they share some of that money with you. By offering rewards, your credit card company encourages you to spend more widely. This means more sales for the vendor, more profit for the credit card issuer, and a little extra money in your pocket too.   

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.

APR stands for Annual Percentage Rate and it represents how much it’ll cost to borrow money on a particular credit card. It’s calculated by taking into account:

  • Your interest rate
  • Additional fees and charges.

However, you might see the term ‘representative APR’ on adverts for credit cards – this means that the interest rate quoted only has to be offered to at least 51% of successful applicants, so it may not be the actual rate you get when you apply.

Credit card providers can change interest rates at any time, so it’s always a good idea to stay on top of your credit balance. If you have a 0% offer on your credit card, this will only be for a set number of months so you should make sure you clear your balance before it ends, or shift your balance to another 0% card.

You can generally apply for credit cards online, by post, or over the phone – you can also stop by your bank or building society branch and apply in person.

First you need to know what you’ll use the credit card for – cards come with different features that are useful for different purposes. If you have a large purchase coming up, you might want to spread the cost with a 0% purchase card, if you fly a lot you might want an airmiles card, and if you want to transfer a balance to avoid interest payments, a 0% balance transfer card could be ideal.

By comparing on MoneySuperMarket, you’ll be able to see a list of credit cards tailored to your needs, so you can browse at will and choose which one suits you best.

You’ll generally get a cooling off period of two weeks from when you receive your card, and you’ll have 30 days to pay off your balance. You can cancel by contacting your provider, either by post, phone, online, or in-branch.

However, if you want to cancel your credit card after the cooling off period, your account balance generally has to be empty.

Your credit rating is a number that represents your creditworthiness to credit lenders, based on an analysis of your credit history (your history of borrowing and paying back credit).

The higher your score, the more likely you are to be accepted for future credit applications. If your score is low, there are ways to improve it. Find out more here.

A soft credit search is a way of finding out which credit cards you’re most likely to be accepted for without your credit score being affected.

If you have a bad credit rating or you don’t have a credit history because you’ve never borrowed before, you won’t qualify for the very best credit card deals. However, some credit cards are designed specifically for those who need to build up their credit score. Just be aware they often come with low credit limits and high interest rates.

However, if you use this type of card sensibly and always pay off your balance in full, you can improve your credit score – so you’ll eventually be eligible for better credit cards.

If you miss a repayment on your credit card balance, you may have to pay a penalty fee. What’s more, if you have any type of promotional offer with your card, such as an interest-free deal, this may be cancelled.

If you get rejected for a credit card, this will leave a mark on your credit report and could lead to further rejections in the future. It’s therefore a good idea to use MoneySuperMarket’s Eligibility Checker to see how likely you are to be accepted before actually applying and it won’t affect your credit score.

If you’re struggling to get accepted for mainstream credit cards, it can be a good idea to apply for a credit builder card instead.

You might be able to get more credit from your provider if you prove yourself to be a responsible borrower by repaying on time and never missing any payments. Once you’ve established a good credit history, you might be successful when asking for a higher credit limit.

Fortunately, unlike many loans and mortgages, you generally won’t be charged for making early repayments – which means it’s a good way to get ahead of your balance.

You can’t get joint credit cards in the same way as bank accounts and mortgages, but you can add additional users to your own credit cards. However, you should remember that it’s still the primary cardholder’s responsibility to pay off the balance.

The Consumer Credit Act was established in 1974, and under Section 75 the credit card lender is jointly responsible with the retailer or supplier for any goods or services you purchase with your credit card. This means if those products are faulty, or if there was any contract breach or misrepresentation on the retailer’s part, you can claim from your credit card company as well as the retailer.

However, you can’t recover money from both sides, so it’s useful for when the retailer has gone bust or they won’t respond to your communication. You should be aware the purchase value must be between £100 and £30,000 in order for you to be able to claim.

You can cancel your credit card by contacting your lender, by phone, email, online, post, or in person if they have a local branch.

Can't find what you're looking for? Try looking at our news, views and in-depth credit cards guides

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Credit card companies

American Express - Aqua - Asda - Bank of Scotland - Barclaycard - Capital One - Fluid - Halifax - HSBC - John Lewis - Lloyds Bank - M&S - MasterCard - MBNA - Nationwide - Ocean Finance - Post Office - Sainsbury's - Santander - Tandem - Tesco - TSB - Vanquis - Virgin - Visa - 118 118 Money

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.