Skip to content

Rewards credit cards

SUPERSAVE WITH OUR BEST REWARD CARDS 

Cards-Generic-Hero-Desktop.png

MoneySuperMarket is a credit broker not a lender. You should be over 18 and a UK resident.

Compare our best rewards card deals from leading UK providers

MoneySuperMarket works with a range of household-name rewards card providers, including

company logo for amex-110company logo for capital-onecompany logo for sainsburys-110company logo for lloyds-110company logo for msbankcompany logo for john-lewis-finance-new

Why compare rewards credit cards with MoneySuperMarket? 

  • It only takes a few minutes

    Comparing rewards credit cards is quick and easy with us. We ask a few quick questions about what you want from a credit card and show you the key information for each deal upfront 

  • It won’t harm your credit score

    We’ll run a soft search on your finances that won’t affect your credit rating, but will show you deals that you’re likely to be accepted for  

  • Just click to apply

    Once you’ve decided on the best rewards card for you, you can click through to the card provider and apply in just a few minutes

What is a rewards credit card?

 
A rewards credit card offers incentives such as cashback, air miles or loyalty points when you use it for your everyday spending. 

The more you spend, the more you can earn – and some cards might even give you access to exclusive deals. 

Because it can be tricky to work out which card is best for you, MoneySuperMarket can help by comparing cards in a quick and easy way. Better still, searching won’t affect your credit score. 

Just tell us a bit about yourself and your finances, and we’ll show you the card deals that suit your needs – and how likely you are to be accepted if you apply. 



Two people look at phone

How does a rewards credit card work?

  • Make card purchases

    Use the rewards credit card for your everyday spending and try to make sure you pay it off on time and in full every month. Check the terms and conditions because if you miss any payments you may lose your rewards 

  • Build up rewards

    The more you spend, the more you accrue points, cashback or other sweeteners, such as air miles. Depending on the card, you may be awarded more rewards for shopping at certain retailers  

  • Spend your rewards

    The specific rewards depend on the type of rewards card you apply for. When you have earned enough points, you can use them for free flights or vouchers. Or they could be applied as cashback that reduces your credit card balance.  

What types of reward card can I get?

There's a broad range of rewards credit cards on offer, but they come in three basic types:

  • Cashback

    Every time you spend money on your plastic, cashback cards pay a percentage back to your account. Check the terms and conditions because some cashback credit cards can pay high introductory offers of up to 5% 

  • Points

    Spend on a points credit card and you accrue loyalty points that can be redeemed at popular high street stores. You may also find that shopping with certain household-name brands can give you extra rewards points to use, particularly during an introductory period when you are first using the card. 

  • Airline

    Using an air miles credit card – run in association with airlines – builds up points you can redeem for flights, hotel rooms and car hire. These can be a great option for frequent travellers, but the cards are often linked to specific airlines, so are only useful if you plan to fly with them.

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

How do I choose the best rewards card?

With so many to choose from it can be hard to work out which is best for you. Here are some things to look out for:

  • 1

    Seek the best return

    Rewards cards can pay cashback or give you points. For example, cashback is typically from 1% to 5% or more. A points card might give you one point for every £1, £5, or £10 you spend. Check the terms of your card to see how much each point is worth when you redeem it.

  • 2

    Look for the lowest fees

    Keep in mind that some rewards cards charge an annual fee. Be confident your spending will earn enough cashback and rewards to justify the cost. If you’re unsure, go for a low or no-fee rewards card.

  • 3

    Choose rewards you’ll use

    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. Likewise, airline rewards cards only offer deals on selected air carriers and hotels, so make sure it’s one you’re happy to use.

  • 4

    Check the small print

    Is there an introductory rewards period that will end after a few months? When will you get 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.

What are the advantages and disadvantages of a rewards credit card?

A rewards credit card can give an extra boost to your spending when used correctly, but there are some potential drawbacks to watch out for… 

  • Tick

    Pros

    • You can earn free rewards for your everyday spending 

    • Introductory rewards can be quite lucrative 

    • There’s usually a choice of rewards, from cashback to air miles depending on the card 



  • Cross

    Cons

    • Some rewards credit cards come with a high monthly or annual fee 

    • You may be forced to shop at certain retailers to take advantage of the rewards 

    • You could lose the rewards if you miss a credit card repayment 



Can I get a rewards credit 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. A credit-builder card could be an alternative to help improve your credit score. Used responsibly, you’ll be able to get approved for an increasing range of credit options in the future. 

Representative 34.9% APR 

credit card application

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.
4.4/5

of our customers would buy again
based on 5,382 reviews

Pros: Found a good balance transfer deal, accurate info and so easy to complete
Pros: It's just a very straightforward easy site to navigate.
Pros: Very easy to find what you need Clear information display very quick search.

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.

  • 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.

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. 

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.

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.   

There is nothing to stop you from applying for as many reward 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.

 Before taking out a rewards card you should consider whether 

  • You need a credit card and will be able to afford the repayments 

  • The specific rewards the card provides will be useful for you 

  • You can justify the annual fee (if there is one) and you’re happy with the terms and conditions, including meeting any minimum monthly spend required to earn the rewards 

  • You have chosen the best rewards credit card available for your circumstances 



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. 

In addition, a rewards credit card linked to a particular retailer could prove even more valuable if you already shop there regularly. 



There is nothing to stop you having more than one credit card at any given time, and this includes rewards credit cards. You may want to assess how much benefit you receive from having more than one rewards credit card though, particularly because some rewards card can have a fee and some need a minimum level of spending before the better rewards kick in. 

There are several alternatives to a rewards credit card, but it will depend on your aims.  

For example, if you travel a lot, a travel credit card that won’t charge you fees while abroad could work out more cost-effective than a rewards credit card.

Similarly, if you need to make a large purchase a 0% interest purchase card could save you money on interest payments and effectively help you spread the cost.

If you are specifically looking for rewards, but don’t want to take out a credit card, some current accounts also provide bonuses when you open the account and pay cashback on spending on certain items, such as bills.

You can also find rewards debit cards that work in a similar way to rewards credit cards, but you don’t have to borrow to earn the rewards. 



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.