Cashback
Every time you spend, cashback cards give you a percentage back that you can spend or save however you like.
Rewards credit cards
Compare our best rewards cards
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Our best rewards credit cards
Compare rewards credit cards to find one that fits your spending and check your chances of being approved.
Earn 1% cashback (up to £10 a month) on all purchases and no foreign transaction fees on purchases made abroad in the local currency. T&Cs apply.
Santander
Santander Edge Credit Card
Representative example: If you spend £1,200 at a purchase rate of 29.9% (variable) p.a. with a £4 monthly fee your representative APR is 37.8% APR (variable)
Great for
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Earn 1% cashback (up to £10 per month) on all your purchases
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No foreign transaction fees on purchases made abroad in the local currency
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Get cashback, vouchers, prize draws and other offers personalised with Santander Boosts
But be aware that
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You must be a permanent UK resident aged 18 or over
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You must have a guaranteed annual income of £10,500 or more (before tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.
American Express
Amex® Cashback Everyday Credit Card
Representative example: If you spend £1,200 at a purchase rate of 29.1% (variable) p.a. your representative APR is 29.1% APR (variable)
Great for
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New Cardmembers get 5% cashback on your purchases (up to £125) for the first five months of Cardmembership. Terms and minimum spend apply. 18+, subject to status
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After the first three months, earn 0.5% cashback when you spend up to £10,000 and 1% cashback when you spend over £10,001
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You're eligible to apply for this card even if you've already got an American Express credit card
But be aware that
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You must spend at least £3,000 a year on the card to qualify for cashback
Unlock up to 1,000 points sign-up points. Earn 1 point per £1 spent on all purchases which you can redeem at up to 0.5% value & no foreign exchange fees. T&C’s apply
Yonder
Yonder Travel, Dining and Lifestyle Rewards Credit Card
Representative example: If you spend £1,200 at a purchase rate of 12.8% (variable) p.a. your representative APR is 12.8% APR (variable)
Great for
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Earn 1 point per £1 spent on all purchases. You can redeem these at an average 0.5% value on curated dining. online, travel and lifestyle experiences. Just spend with your card, no need for coupons or vouchers
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Fee free spending abroad, so you earn points while you're away. You get the Mastercard rate, which we pass to you without markups
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Pay with Apple and Google Pay. Track your points and spending in app with instant, in-app point redemption and payment notifications. In app chat with real humans. Spending category breakdowns
But be aware that
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You can't transfer a balance from another card issued by Yonder
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Rewards and experiences are UK wide. Max credit limit £15,000
Earn rewards points every time you shop and they'll be converted to M&S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&S Sparks account. T&Cs apply
M&S
Rewards Credit Card
Representative example: If you spend £1,200 at a purchase rate of 23.9% (variable) p.a. your representative APR is 23.9% APR (variable)
Great for
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Earn Reward points every time you shop, and they’ll be converted into M&S vouchers for you to spend.
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Collect 1 point per £1 spent at M&S Online and In-store. Collect 1 point per £5 spent elsewhere
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With the M&S Credit Card, you'll receive up to 55 days' interest-free credit when you pay your balance in full and on time each month
But be aware that
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Only available to customers who are not an existing M&S Credit Card holder and have not held a credit card with M&S Bank within the 12 months prior to your making your application
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You must transfer a balance within the first 90 days to get the promotional rate.
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You might get different interest rates to those shown here, because these depend on your circumstances
Limited offer
Eligible new Cardmembers earn 40,000 Membership Rewards® points when you spend £5,000 in your first six months of Cardmembership. Annual fee applies after first year. Terms apply. 18+, subject to status. Offer ends 26 May 2026
American Express
American Express® Preferred Rewards Gold Credit Card
Representative example: If you spend £1,200 at a purchase rate of 29.1% (variable) p.a. with a £195 annual fee your representative APR is 85.8% APR (variable)
Great for
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Every time you spend £10,000 you will get 5000 bonus Membership Rewards points, up to 10,000 points per year.
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With 1x point you get for every £1 spend plus the bonus Membership Rewards points, you can get up to 1.5 points for every £1 you spend.
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Priority Pass lounge access: 4 complimentary Priority Pass airport lounge visits every year giving you access to over 1,300 airports globally.
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You can use all 4 passes for yourself or share with a friend or family member you are travelling with.
But be aware that
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There is a £195 (£0 in first year) annual fee
With the Reward Card you'll get 3,000 points for the first spend made within the first 90 days of account opening. T&C’s apply
Virgin Money
Virgin Atlantic Reward Credit Card
Representative example: If you spend £1,200 at a purchase rate of 26.9% (variable) p.a. your representative APR is 26.9% APR (variable)
Great for
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Earn cashback on your credit card spending at participating retailers. Sign up in the mobile app.
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Earn 0.75 Virgin Points for every pound (£1) spent on card purchases.
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1.5 Virgin Points for every £1 you spend with Virgin Atlantic or Virgin Holidays. Restrictions apply, please see Virgin's website for further details.
But be aware that
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Qualifying spend excludes cash withdrawals, interest, balance transfers, money transfers and fees
Are rewards credit cards worth it?
A rewards credit card works by earning you bonuses on your spending. Each time you make a purchase, you accumulate points, cashback, airline miles, or vouchers depending on the card type.
Rewards cards are best suited to people who spend regularly and can pay off their balance in full each month, as they often come with higher interest rates.
🚩 The average representative APR for rewards credit cards on MoneySuperMarket is 37.5%
What rewards can I get?
Rewards credit cards offer different types of perks depending on how you spend. Choosing the right type can help you get the most value from your everyday purchases. The best option depends on how you spend and how you plan to use the rewards.
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Travel (points or air miles)
Build up points you can redeem for flights, hotels, or car hire. These cards often suit frequent travellers and may be linked to specific airlines.
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Retail or supermarket rewards
Earn points with specific retailers or supermarkets. These can usually be exchanged for vouchers, discounts or money off your shopping.
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Points (flexible rewards)
Earn points that can be redeemed in a range of ways, such as travel, gift cards or statement credit. The value and flexibility can vary between providers.
What types of rewards cards are there?
There are many different types of rewards credit cards but they come in four main flavours.
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Cashback
Get up to 15% cashback when you spend.
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Points
Earn points when you spend that you can redeem at selected retailers.
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Air miles
Air miles credit cards let you build up travel points to redeem on flights or travel, usually with a specific airline.
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Store cards
Earn points, discounts, or vouchers to spend with a specific retailer.
Which one should I pick?
Best for | Type of reward card |
|---|---|
Everyday spending | |
Frequent travellers | |
Flexibility | |
Loyal shoppers |
Am I eligible for a rewards card?
Before applying, it helps to know your chances of being accepted.
67%^
of MoneySuperMarket users are pre-approved for a rewards credit card
£1500^
average guaranteed credit limit
How to use a rewards credit card
Rewards credit cards can offer good value, but only if they’re used carefully. The key is to match the card to your spending and avoid interest, so the rewards outweigh any costs.
Good use of a rewards card
✅ Choose a card that matches your spending (e.g. cashback on bills or food shopping)
✅ Choose one with no annual fee, or rewards that outweigh the fee
✅ Pay the balance in full each month to avoid interest
✅ Compare cards before applying
Poor use of a rewards card
❌ Choose a card that doesn’t match your spending (e.g. rarely used travel rewards)
❌ Pay an annual fee without making the most of the rewards available
❌ Carry the balance and pay interest
❌ Don’t compare other options
Top tips for finding and using rewards credit cards
Rewards credit cards can offer real value, but only if they’re used in the right way. These tips can help you make the most of rewards while avoiding unnecessary costs.
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Compare cards before applying
Look at representative APR, fees, eligibility and reward structure.
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Use eligibility checkers where available
Helps reduce the risk of declined applications affecting your credit score.
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Choose rewards you can use
Choose cashback, travel or retail rewards based on how you actually spend.
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Check fees vs rewards
Make sure any annual fee is outweighed by what you realistically expect to earn.
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Check the small print
Look at earning rates, caps, expiry dates and how easy it is to redeem points.
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Watch for introductory offers
Sign-up bonuses can be valuable, but only if you can meet the conditions without overspending.
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Always pay your balance in full
Interest charges are usually much higher than the value of any rewards.
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Don’t overspend to earn rewards
Only use the card for planned purchases, rewards should not drive unnecessary spending.
Our expert says…
Rewards credit cards can pay you cashback for your normal spending, or let you earn points or vouchers instead. But the critical thing is to find a card that pays out a reward you'll actually use.
There’s no point choosing one which pays in air miles if you don’t intend to use them, for example. If you carry a balance, the interest you pay will usually outweigh any rewards you earn.
Kara Gammell Personal Finance & Insurance Expert
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 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.
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Compare more than just rewards credit cards
Which credit card has the best rewards programme?
There’s no single best rewards card as rewards can vary significantly between card issuers and providers.
American Express is known for offering robust rewards programs, including valuable points and access to exclusive events. Mastercard provides a wide range of rewards, often including discounts on travel and dining. Visa also offers diverse rewards, focusing on global acceptance and providing cardholders with various point redemption options, including cashback and travel.
Each issuer may have unique partnerships and offers, so it's important to compare the specific benefits and rewards programs of each to find the best fit for your spending habits and preferences. What's best for you 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.
How many rewards credit cards can I have?
There is nothing to stop you from applying for as many rewards credit cards as you like, but each may come with a fee. You should be confident you will spend enough and earn enough rewards to justify this fee. Multiple applications for credit cards can also have a negative impact on your credit rating.
Is a rewards card right for me?
A rewards credit card could be right for you if you are able to use the card responsibly and pay off the balance on time and in full every month. If that is the case, then you don’t need to change your spending habits and the rewards will just become a handy bonus to your regular credit card use.
The type of rewards credit card that will be most suited to you depends on how you use the card. If you use it frequently for a high level of everyday spending, a rewards card that pays bigger perks, such as points or cashback, is worth considering – even if there is an annual fee. In addition, a rewards credit card linked to a particular retailer could prove even more valuable if you already shop there regularly.
If you won’t be using the card as much, then it may be better to opt for a rewards card with no annual fee, as you might not earn enough rewards to justify paying the fee.
Only ever pick a rewards card where the rewards are useful for you. For example, an air miles card won’t be helpful if you don’t fly with the specific airline it is linked to.
Finally, if you struggle to clear your credit card balance every month, a rewards card may not be for you because they often come with higher interest rates for outstanding balances. Instead look for a low or 0% interest credit card.
What can I spend my credit card points on?
Credit card points can typically be spent on a variety of rewards such as travel, flights, hotel bookings, merchandise, gift cards, cashback, or even charity donations.
The specific options available to redeem credit card points will vary depending on the credit card provider and their rewards programme.
Do rewards points expire?
Rewards points may expire, depending on the card issuer’s policy. For example, Amex rewards points typically don’t expire as long as your account is in good standing, while other issuers may have different rules. It’s important to check your card’s terms and conditions to understand any expiration policies.
Redeeming points promptly can help you maximise their value. Additionally, some programs may offer bonus points for frequent use, so regularly using your rewards credit card for routine expenses can help you avoid losing any potential benefits and make the most of your rewards.
Can I get a rewards card with bad credit?
Having a low credit score can make it difficult to be accepted for some credit cards and loans. 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.
Your APR is also likely to be higher and your credit limit lower. An alternative could be a credit card for bad credit, which is designed for people who have poor scores. If used responsibly, then over time you will start to see your score increase and then you will be more likely to be eligible for cards with rewards
What is the difference between a cashback and a rewards credit card?
Cashback credit cards and rewards credit cards offer different benefits. Cashback credit cards give you a percentage of your spending back as cash, providing immediate savings on routine expenses. These cards often include additional perks such as discounts on specific categories.
On the other hand, rewards credit cards earn points or miles that can be redeemed for travel, merchandise, or discounts. While cashback credit cards are ideal for straightforward savings, rewards cards offer flexibility in redeeming points for various rewards, including bonus points for certain spending milestones or categories.
How we work
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 Score
Never overpay again with Energy Monitor, our energy monitoring service
Earn rewards of up to £130 per year when you make a qualifying purchase with SuperSaveClub
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.
Reviewed on 11 May 2026 by
Based on the average Representative APR of users clicking out on credit cards products, to earn rewards on their spending through MoneySuperMarket between February 2026 and April 2026.
Based on the median guaranteed credit limit of users searching for credit cards to earn rewards on their spending through MoneySuperMarket in April 2026, by the highest eligibility rating returned.
Based on the credit card enquirys with the aim to earn rewards on their spending through MoneySuperMarket between February 2026 and April 2026.
