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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 |
|---|---|---|---|---|
-
Virgin All Round
-
0%
16 mths
1.99% fee
-
0%
6 mths
-
15.8%
APR
-
Virgin discounts
- Instant decision on most applications
- Contactless payment - pay for items up to £15 without entering your pin
- Good credit rating required
Representative Example: 15.8% p.a. (variable) on card purchases. This is equivalent to 15.8% APR representative (variable) based on a credit limit of £1,200.
-
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
- AA Members earn 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.
-
Play.com
-
0%
6 mths
1.50% fee
-
0%
9 mths
-
16.9%
APR
-
Play Points
- 0% on balance transfers for 6 months (1.5% handling fee applies). For this great rate your balance needs to be transferred within the first 90 days of opening your account.
- 1500 bonus PlayPoints when you spend £150 on purchases within 90 days of your account opening
- Good 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)
-
Capital One Click
-
n/a
-
n/a
-
9.9%
APR
-
Exclusive Rewards
- 9.9% p.a. variable on purchases, balance transfers and cash withdrawals
- Designed for online shopping - great brand discounts with eXtras plus
- Very good credit rating required
Representative Example: 9.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 9.94% p.a. (variable)
-
Sainsburys Nectar
-
0%
15 mths
3.00% fee
-
0%
6 mths
-
16.9%
APR
-
Double Nectar Points
- Earn Double Nectar points on Sainsburys shopping for 2 years
- You must have a Nectar Card in order to apply for the Credit Card
- Good credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable)
-
Virgin Money
-
0%
20 mths
2.99% fee
-
0%
3 mths
-
16.8%
APR
-
Virgin discounts
- Instant decision on most applications
- Discounts on Virgin holidays, Trains and other products
- Good credit rating required
Representative Example: 16.8% p.a. (variable) on card purchases. This is equivalent to 16.8% APR representative (variable) based on a credit limit of £1,200.
-
Bank of Scotland Plus
-
0%
18 mths
3.00% fee
-
0%
3 mths
-
16.9%
APR
-
Dining out Travel Shopping
- Instant decision on online applications (in most circumstances)
- Discounts on UK attractions, hotels, travel and dining out
- Good credit rating required
Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable).
-
Post Office
-
0%
14 mths
2.98% fee
-
0%
3 mths
-
16.9%
APR
-
0% commission
- Free purchase and fraud protection
- 0% commission on purchases overseas
- 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)
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
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.