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Why not get a credit card that carries extra benefits and you don't have to change the way you use the card? Reward credit cards are widely popular in the UK and there are plenty to of reward credit cards to choose from. If you travel a lot by air, perhaps you could pick one of the Reward credit cards that gives you points or rewards every time you purchase a flight with the card. Some cards even come with some great cash back programmes. Aside from the bonus features of the Reward credit cards, remember to look out for the other aspects of each card. Make sure that apart from the rewards are you still getting a good deal on the card? Make sure you look are what is the representative APR? Look at the example under each rate, and look at other pros and cons, such as purchase period and balance transfers. Use the table below to compare reward credit cards. Before you apply make sure you read the terms and conditions thoroughly.

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Compare Reward Credit Cards

Reward Credit Cards

With a rewards credit cards you can earn rewards simply for spending. These could be cashback programmes, airmiles and a variety of other offers and discounts on things like hotel stays to clothing. A reward credit card can therefore help your money go further. The right card for you will depend on your lifestyle and what sort of rewards you want to earn. Be careful with a reward card because these cards encourage spending as the more you spend the more rewards you earn so you must be disciplined. These cards are best suited for people who pay off their balance in full each month. When choosing the right reward card do not be drawn in just because of the rewards. Look at all the other features to make sure that besides the reward programme, you really are still getting a good deal.

With a rewards card the card holder 'earns' points or rewards each time they use the card to make a purchase either anywhere or they may only be able to gather points/rewards when the card is used for purchases from particular retailers/companies. Reward credit cards are often marketed as giving the customer something back in return for making purchases. In other words, the card will 'reward' you for spending. This is one way of looking at it but perhaps it is wise to stick to sensible spending rather than increasing the amount you buy!

What is APR?

The APR, or Annual Percentage Rate, is the amount a lender/provider charges you for 'borrowing' money. Unfortunately, different lenders have different ways of working out this rate, so you may end up with different answers.

Typical APR: was the rate that at least two-thirds of borrowers would be offered (or 66%). Of course, the rate still varied according to the individual's personal circumstances and credit rating but it was the rate that the majority of applicants received.

Representative APR: is the rate that only has to be offered to 51% of applicants. In other words, far fewer people will actually receive the rate that is advertised than before. As before, the rate you receive will depend on your personal circumstances. All secured loans (including mortgages) will continue to use typical APR. You will notice that wherever the APR is advertised, it will be accompanied by an example this is useful and will provide information on the charges and other important elements of the loan or credit card.

What is a 0% balance transfer fee?

Many cards offer 0% for a certain amount of time, at which point the rate returns to the usual rate of interest. Find out what happens to any outstanding debt after this time is up; make sure you know when the dates are and more importantly what the 'regular' rate of interest is; many of these cards will have steeper overall interest rates.

Always read the terms and conditions

Always read the teams and conditions and if you are in any doubt then you should seek independent financial advice. It is important with reward credit cards that you make the monthly repayments so that you do not end up paying extortionate interest on your purchases.


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Everyone has a credit card now, so why not get rewarded as you spend. Reward credit cards work just like normal credit cards, often with a low introductory APR and competitive annual charges. With reward cards you can earn points which then go towards your chosen reward. You can earn air miles, hotel vouchers or shopping vouchers.