Credit Card Blogs
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- Dangers of not repaying your credit cards 18 Apr 2013
- Credit cards that repay you 15 Apr 2013
- 5 credit card lifesavers 12 Apr 2013
- Beat credit card con-artists 5 Apr 2013
- 10 reasons to own a credit card 3 Apr 2013
Reward Credit Cards
There are ways to benefit from using a credit card even if you are one of those people who always pays off their bill every month.
Reward credit cards are ways of getting something from the credit card provider simply for being a loyal customer and using the card. The more you spend the more you can benefit. Read more...>
| Product Name | Balance Transfer Intro |
Purchases Intro |
Representative APR (variable) |
Rewards |
|---|---|---|---|---|
-
Tesco Clubcard for Purchases
-
0%
9 mths
2.90% fee
-
0%
16 mths
-
16.9%
APR
-
Clubcard Shopping
- Collect Tesco Clubcard points wherever you shop
- Spend Clubcard rewards on Tesco shopping, holidays and days out
- No cash advance fee for Clubcard Credit Card Tesco Travel Money purchases
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 16.9% p.a. (variable). *Your credit limit may vary depending upon your circumstances.
-
Sainsburys Nectar
-
0%
15 mths
3.00% fee
-
0%
6 mths
-
17.9%
APR
-
Nectar Points
- Get 10 Nectar points per £1 on Sainsbury's shopping for the first 3 mths from account opening (capped at £1,000 spend per month)
- 0% on Purchases for 6 mths and 0% on Transfers for 15 mths (3% fee applies)
- Good credit rating required
Representative Example: 17.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.95% p.a. (variable)
-
Nectar Amex
-
n/a
-
n/a
-
25.0%
APR
-
Nectar Points
- 10,000 Nectar bonus points when you first spend £1,000 in your first 3 months of Cardmembership
- Earn 2 Nectar points for almost every £1 you spend.
- £25 Annual Fee
Representative Example: 25.0% APR variable. Based on assumed credit limit of £1200. Interest rate for purchases: 19.9% p.a. variable.
-
NatWest World
-
0%
9 mths
1.50% fee
-
0%
15 mths
-
17.9%
APR
-
Reward Points
- Receive 2,500 bonus YourPoints when you apply, and every year thereafter, plus double YourPoints for 9 months from account opening
- Redeem YourPoints at outlets such as Marks & Spencer, Boots and Amazon
- Very good credit rating required
Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 17.95% p.a. (variable).
*Your credit limit may vary depending upon your circumstances
-
RBS World
-
0%
9 mths
1.50% fee
-
0%
15 mths
-
17.9%
APR
-
Reward Points
- Receive 2,500 bonus YourPoints when you apply, and every year thereafter, plus double YourPoints for 9 months from account opening
- Redeem YourPoints at outlets such as Marks & Spencer, easyjet and Amazon
- Very good credit rating required
Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 17.95% p.a. (variable). *Your credit limit may vary depending upon your circumstances.
-
Tesco Clubcard Credit Card with Balance Transfer
-
0%
25 mths
2.90% fee
-
0%
3 mths
-
16.9%
APR
-
Clubcard Points
- 0% Transfers for 25 months
- Collect Tesco Clubcard points wherever you shop
- Card replacement & cash advance - if you lose your card abroad
Representative Example: 16.9%APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 16.9% p.a. (variable). *Your credit limit may vary depending upon your circumstances.
-
Post Office
-
0%
14 mths
2.98% fee
-
0%
3 mths
-
16.9%
APR
-
Insurance
- No fees on purchases overseas in a foreign currency, even when you’re shopping from home, online or over the phone
- Pay no cash fee on your Credit Card to buy travel money at the Post Office
- Excellent credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.9% p.a. (variable)
-
AA
-
0%
12 mths
3.00% fee
-
0%
10 mths
-
16.9%
APR
-
AA Rewards
- Earn AA Reward points on all purchases - Double points on fuel and motoring
- Redeem points for cash back, high street shopping vouchers and more
- Excellent credit rating required
Representative Example: 16.9% p.a. (variable) on card purchases. This is equivalent to 16.9% APR representative (variable) based on a credit limit of £1200.
Reward Credit Cards
The reward may be in the form of discounts off other products or services offered by your credit card provider, extra points towards current loyalty schemes you may be on at your supermarket, for example, or points which can be exchanged for gift vouchers for selected retailers.
Attractive credit card loyalty schemes sometimes come at the price of higher interest rates. If you are not someone who pays off their bill in full each month then this may not be the best choice for you. If you are not careful you could end up paying more in interest than you have gained in rewards.
Reward schemes are many and varied so it's well worth making sure that the one you choose is suitable for you and remember that if you're looking for a straightforward cash back credit card we have a seperate table these.
Top Tips for Reward Credit Cards
- Make sure you fully understand the terms and conditions of the reward scheme
- Search for the rewards that are of interest to you considering where you like to shop
- Bear in mind that some schemes limit the rewards
Browse credit cards by Issuer
Product Offers
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.
Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.
Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.
