REWARD CREDIT CARDS 

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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.

Search Report: ALL  0% Purchases  0% Balance Transfers  Life Of Balance  Cashback

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

CARD NAMEISSUER

ISSUER

Card Issuer

REPRESENTATIVE APR

REPRESENTATIVE APR

A Representative APR is a financial service concept in which interest rates quoted through advertising media is required to take into account all charges associated with a product, in addition to the interest rate

BALANCE TRANSFER RATE

BALANCE TRANSFER RATE

A credit card balance transfer is the transfer of the balance (the money) in a credit card account to an account held at another credit card company

BALANCE TRANSFER RATE

BALANCE TRANSFER RATE

The time period over which you can transfer your balance at a special rate

PURCHASE RATE

PURCHASE RATE

A purchase rate is the interest rate charged on regular purchases put on a credit card. It differs from a cash advance rate in that it is lower because banks and issuers view regular purchases as less risky

PURCHASE PERIOD

PURCHASE PERIOD

Period of time in which there is a special offer on the purchase rate

CREDIT LIMIT

CREDIT LIMIT

The limit of credit offered to you by the credit card provider

CASHBACK

CASHBACK

Is cashback available on purchases

REWARDS

REWARDS

Rewards for use of card

MORE INFO

Santander 123 Cashback Reward Credit Card
Santander 123 Cashback Reward Credit Card

mastercard22.8%
Representative Example

Representative Example

Not available

0%1 month0%1 month£1,200.003%Credit Card Rewards

Rewards

1. 1% cashback on your supermarket shopping Including Tesco, Asda, Sainsbury's, Morrisons, The Co-operative, Waitrose, Marks & Spencer or Budgens and including online shopping with these retailers, too.
2. 2% cashback at your favourite department stores Including BHS, Debenhams, House of Fraser, John Lewis, Fenwick, Harrods, Harvey Nichols, Selfridges plus many others and including online shopping with these retailers, too.
3. 3% cashback when you fill up at major petrol stations Including BP, Shell, Esso, Texaco, Asda, Morrisons, Sainsbury's and many others (on spend up to £300 per month between your statement dates).

Santander 123 Cashback Reward Credit Card
With the new Santander 123 Cashback Reward Credit Card, getting rewarded for the things you buy everyday is easy. Whenever you shop at the supermarket, spend in department stores, or fill up at a petrol station†, you'll earn a generous cashback reward, making the Santander 123 Cashback Reward Credit Card the smart way to pay. An annual fee applies. Before you apply for a credit card it is important that you consider your financial circumstances carefully. Work out which credit card is best for you. Read the terms and conditions. DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria

Before starting your application please ensure the following apply:
1. You are at least 18 years of age;
2. You have had a permanent UK address for at least the last 3 years;
3. You do not have a history of bad credit (in other words, county court judgements or bankruptcy);
4. You have an income in excess of £7,500.
You will need the following information when filling in your application:
1. All the addresses you have lived at for the last 3 years (including postcodes);
2. Employers address and postcode;
3. Details of your yearly income and monthly outgoings.


Advantages

Advantages

1. 0% for 1 months from account opening on new purchases
2. 0% for 1 months from account opening on balance transfer
3. 56 days interest free period for Purchases
4. 1% cashback on your supermarket
5. 2% cashback at your favourite department stores
6. 3% cashback when you fill up at major petrol stations


Disadvantages

Disadvantages

1. A maximum spend of £300 on fuel purchases will be eligible for cashback each month (the period between your monthly statements). Once you have reached this maximum amount, any further fuel purchases that you make during that month will not qualify for cashback.
2. Purchases of financial services products (which include travellers' cheques, foreign currency, gift vouchers and insurance) made at a supermarket, department store or petrol station may not qualify for cashback.
3. You must have an income in excess of £7500
4. After one month 18.9% on new purchases and balance transfer

Barclaycard Cashback Business Credit Card
Barclaycard Cashback Business Credit Card

Visa Card25.1%
Representative Example

Representative Example

Representative Example: If you spend £1,500 at a purchase interest rate of 19.9% (variable) with a £32 annual Fee your Representative APR will be 25.1% (variable).

0%N/A0%3 months£1,000.003%Credit Card Rewards

Rewards

3% cashback on office supplies & stationary, legal & accounting services, computer equipment and support, 1% cashback on fuel at petrol stations and 0.5% cashback on any other spend

Barclaycard Cashback Business Credit Card
Reward those unavoidable costs you already face every day in your business. Things like office supplies & stationery, legal and accounting services, computer equipment and support. Plus now get 0% interest on purchases for 3 months from account opening 0% on purchases for 3 months gives you instant cashflow options when you need it most and maintains your spending power. Up to 56 days interest-free credit from date of transaction. DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria


Advantages

Advantages

1. Up to 3% cashback on your business spend. Breakdown ..
2. 3% cashback on office supplies & stationery, legal and accounting services, computer equipment and support
3. 1% cashback on fuel at petrol stations – perfect for offsetting spiralling transport costs
4. 0.5% cashback on any other spend
5. 0% on purchases for 3 months gives you instant cashflow options when you need it most and maintains your spending power, that's on top of up to 56 days of interest free credit when you pay off your balance in full each month.
6. Purchase protection
7. Warranty extension
8. Cardholder Misuse protection
9. Travel Accident cover
10. Up to 55% off usual membership rates with The AA


Disadvantages

Disadvantages

1. *£400 maximum limit for Cashback. Cashback paid once a year at the anniversary of account opening.
2. If you earn less than £10 cashback in any Cashback year it will not be credited to your account and will not be carried forward to the following year

British Airways American Express Premium Plus Card
British Airways American Express Premium Plus Card

Amex Card50.1%
Representative Example

Representative Example

Typical 50.1% APR variable. Based on £150 annual fee, assumed borrowing of £1200, rate of interest (variable) annual 19.9%/1.53% per month.

0%Not available19.9%N/AAsk On ApplicationNoCredit Card Rewards

Rewards

The British Airways American Express® Premium Credit Card gives new Cardmembers a chance to earn 18,000 bonus Avios points (when they spend £3,000 in first 3 months). Offers expire on 29th February 2012.

British Airways American Express Premium Plus Card
The British Airways American Express® Premium Reward Credit Card gives new Cardmembers a chance to earn 18,000 bonus Avios points (when they spend £3,000 in first 3 months). Before you apply for a credit card it is important that you consider your financial circumstances carefully. Work out which credit card is best for you. Make sure that you read the terms and conditions carefully so that you understand your financial obligations before you apply. DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria

1. I am aged 18 or over
2. I have a current UK bank or building society account
3. I have a permanent UK home address
4. I have a household income of at least £30,000
5. I have no history of bad debt
6. And if self-employed, I have been working for more than one year


Advantages

Advantages

1. Roam the skies.
2. Fly with a friend.
3. Help getting off the ground.
4. Support 24/7
5. Rewards programme available.


Disadvantages

Disadvantages

1. £150 annual fee

British Airways American Express Credit Card
British Airways American Express Credit Card

Amex Card19.9%
Representative Example

Representative Example

Address: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom.

27.9%N/A19.9%Not applicableAsk On ApplicationNoCredit Card Rewards

Rewards

The British Airways American Express Credit Card automatically enrols you into the British Airways frequent flyer program, the Executive Club. You'll get priority on flight waiting lists, your seat and meal choices on flights and the chance to earn more Avios points.

British Airways American Express Credit Card
Transform your everyday spending into British Airways flights. The British Airways American Express® Reward Credit Card gives new Cardmembers the opportunity to earn 3,000 bonus Avios points (when they spend £500 in the first 3 months). Or they can apply for the British Airways American Express® Premium Plus Card and earn 18,000 bonus Avios points (when they spend £3,000 in first 3 months). Before you apply for a credit card it is important that you consider your financial circumstances carefully. Work out which credit card is best for you. Make sure that you read the terms and conditions carefully so that you understand your financial obligations. DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria

1. I am aged 18 or over
2. I have a current UK bank or building society account
3. I have a permanent UK home address
4. I have a household income of at least £30,000
5. I have no history of bad debt
6. And if self-employed, I have been working for more than one year


Advantages

Advantages

1. 3,000 Avios points (when you spend £500 in your first 3 months of Cardmembership) 2. Collect 1 BA Mile for virtually every £1 you spend
3. Automatic enrolement into the British Airways Executive Club - priority on flight waiting lists, your seat and meal choices on flights and the chance to earn more Avios
4. Spend £20,000 on your Card in a year and redeem your BA Miles on a British Airways flight and you?ll receive a complimentary ticket for a companion for the same flight and cabin 5. Travel accident benefit up to £75,000


Disadvantages

Disadvantages

1. Check fees and charges that apply

The Starwood Preferred Guest Reward Credit Card
The Starwood Preferred Guest Reward Credit Card

Amex Card34.5%
Representative Example

Representative Example

Assumed borrowing of £1,200; Based on £75 annual fee; Representative 34.5% APR (variable); Standard interest rate for purchases: 19.9% p.a. (variable)
Address: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX

19.9%N/A19.9%N/AAsk On ApplicationNoCredit Card Rewards

Rewards

Earn 1 Starpoint® for virtually every £1 you spend on the Card then use your points towards free nights, free flights, upgrades, instant awards and access to extraordinary events.

The Starwood Preferred Guest Reward Credit Card
Earn 1 Starpoint® for virtually every £1 you spend on the Card then use your points towards free nights, free flights, upgrades, instant awards and access to extraordinary events. Apply now and receive 10,000 Welcome Starpoints for first purchase when £1,000 is spent in the first 3 months- enough for up to 3 free nights. Before you apply for a credit card it is important that you consider your financial circumstances carefully. Work out which credit card is best for you. Make sure that you read the terms and conditions carefully. DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria


Advantages

Advantages

1. Enjoy 10,000 bonus Starpoints when you spend £1,000 on your Card in the first three months – enough for up to three complimentary nights.
2. Earn 1 Starpoint for every full £1 spent, per transaction on your Card.
3. Receive a Free Weekend Night at any hotel or resort in categories 1-4 anywhere in the world when you spend £25,000 on the Card during each year of your Cardmembership.
4. Experience Gold Preferred Guest status when you spend £15,000 annually on your Card.
5. Share the benefits with friends and family and you will earn additional Starpoints for their purchases with Supplementary Cards
6. Complimentary flights


Disadvantages

Disadvantages

1. High APR 34.5%
2. A Balance Transfer fee of up to 3% of the balance transferred is payable for each balance transfer processed to your account.
3. A fee of £75 per year will be payable by you.
4. Need £30,000 household income to be eligible

British Airways American Express Premium Plus Card
British Airways American Express Premium Plus Card

Amex Card50.1%
Representative Example

Representative Example

Typical 50.1% APR variable. Based on £150 annual fee, assumed borrowing of £1200, rate of interest (variable) annual 19.9%/1.53% per month.

0%N/A19.9%N/AAsk On ApplicationNoCredit Card Rewards

Rewards

The British Airways American Express Premium Plus Card gives you 1.5 Avios points for virtually every £1 you spend – and double BA Avios points on purchases with British Airways or BA Holidays.

British Airways American Express Premium Plus Card
The British Airways American Express Premium Plus Reward Credit Card gives you a faster and more rewarding way to fly to your dream destination. Apply now for the opportunity to earn 6,000 Avios points. The British Airways Premium Plus Card gives you 1.5 Avios points for virtually every £1 you spend and double on purchases with British Airways or BA Holiday. Before you apply for a credit card it is important that you consider your financial circumstances carefully. Work out which credit card is best for you. DETAIL INFORMATION >>Acceptance Criteria

Acceptance Criteria

1. I am aged 18 or over
2. I have a current UK bank or building society account
3. I have a permanent UK home address
4. I have a household income of at least £30,000
5. I have no history of bad debt
6. And if self-employed, I have been working for more than one year


Advantages

Advantages

1. Roam the skies.
2. Fly with a friend.
3. Help getting off the ground.
4. Support 24/7
5. Rewards programme available.


Disadvantages

Disadvantages

1. £150 annual fee

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

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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.

Reward Credit Cards Information

Payment Cards Area Reward Credit Cards Reviews Prepaid Card Information Credit Card Information Credit Card Jargon Buster Credit Card Fraud Credit Card Debt and Advice Different Payment Card Types Reviews Centre Information Library News and Charts World Financial Charts World Interest Rates World Economic Calendar Latest World Financial Market Movements Financial Resources What is the real cost of using a credit card?

Reward Credit Cards Gallery

Barclaycard Cashback Business Credit CardBarclaycard Cashback Business Credit Card Reward Credit Cardbmi Credit Cardbmi Credit Card Reward Credit CardBritish Airways American Express Credit CardBritish Airways American Express Credit Card Reward Credit CardBritish Airways American Express Premium Plus CardBritish Airways American Express Premium Plus Card Reward Credit CardBritish Airways American Express Premium Plus CardBritish Airways American Express Premium Plus Card Reward Credit CardBT Visa Credit CardBT Visa Credit Card Reward Credit CardCapital One Click Reward Credit CardCapital One Click Reward Credit Card Reward Credit CardLloyds TSB Airmiles Duo American ExpressLloyds TSB Airmiles Duo American Express Reward Credit CardMiles & MoreMiles & More Reward Credit CardPlay.comPlay.com Reward Credit CardSantander 123 Cashback Reward Credit CardSantander 123 Cashback Reward Credit Card Reward Credit CardTesco Clubcard Reward Credit CardTesco Clubcard Reward Credit Card Reward Credit CardThe AA Reward Credit CardThe AA Reward Credit Card Reward Credit CardThe MBNA American Express Credit CardThe MBNA American Express Credit Card Reward Credit CardThe Starwood Preferred Guest Reward Credit CardThe Starwood Preferred Guest Reward Credit Card Reward Credit CardVirgin Atlantic American ExpressVirgin Atlantic American Express Reward Credit Card

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Tesco Clubcard Reward Credit Card Reward Credit Card Review

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