The advantages of rewards credit cards, reward credit cards, and reward credit card are obvious, cash back, shopping rewards, travel rewards all from using your credit card for everyday purchases. The more you spend, the more reward points you accumulate, and the more 'free' stuff you get. But lurking in the background is some ugly facts that must be evaluated before you make the plunge into the world of reward credit cards. First of all, most rewards credit cards come with an annual fee. This fee can be substantial, and over the course of a few years can eat into the benefits that you might achieve with a rewards credit card. Secondly, not all rewards are equal. Air miles points earned on the British Airways American Express card may be worth more in terms of real savings than the shopping benefits of the Egg card. You need to be aware of the value of points, and how they are earned. And finally, rewards credit cards usually have a higher annual interest rate (APR). If you plan on carrying a balance on the card, you need to be keenly aware of the interest rate(s), and how much this increased rate is going to cost you on a yearly bases. This can easily offset the advantage you can get with the rewards point you earn. Bottom line, you need to be aware of all the costs associated with rewards credit cards. These costs can very early offset the advantages of rewards you earn. If you take the time to understand all the costs associated with a rewards card, you can make an informed decisions and benefit from your spending.

Choosing a Rewards Credit Cards

	Shopping Rewards	Many retailers offer discounts when you use selected credit cards to make your purchase. Rewards include instant cash back, discounted pricing, and additional merchandise savings. Shopping benefits including discounts are retailers like Sainsbury, Tesco, Marks & Spencer, lastminute.com, Virgin, iTunes, amazon.co.uk, Homebase, Molton Brown to name a few.
	Travel Rewards	Credit cards that offer travel rewards programs are reasonably flexible and might provide airline miles, points that are redeemed for hotel accommodation, or both. You earn reward points or airline miles whenever the credit card is used for everyday purchases. Credit cards used for travel related spending such as purchasing airline tickets or hotel reservations, a greater number of reward points are usually awarded. Reward points can be redeemed for airline tickets, hotel accommodations, car rental, or special priority treatment or upgrades while traveling. To find out more about Travel Rewards Credit Cards
	Air Miles Rewards	There are many credit cards that offer air miles points. These include bmi, Virgin Atlantic, and British Airways. You earn air miles with your everyday purchases. Most offer 'sign up' bonus air miles, and some offer companion tickets. The standard is 1 air mile reward point for every £1 spent. Yet there are cards that do offer more air miles per £1 spent, but you usually pay a higher annual fee. To find out more about Air Miles Rewards Credit Cards
	Hotel Rewards	Use your hotel rewards credit cards to earn discounts on hotel reservations and stays, vacation packages, car rentals, cruises, flights and other travel-related purchases. If you have a favorite hotel chain that you prefer to stay at when you travel, you can earn additional points toward free nights with your everyday purchases. Some cards let you earn points towards stays at specific hotel chains, such as Sheraton and Westin. Other cards let you redeem points for airline travel, hotel reservations, or vacation packages.

Choosing a rewards credit card that fits your desires is what we are all about. We provide the tools and information necessary to make an informed decision on not only the rewards credit card that best fits your goals, but also the credit card that fits your credit history. The first step in choosing a rewards credit card is to determine which rewards you want. Rewards credit cards in the UK are broken into four main categories, Shopping rewards, Travel rewards, Air Miles rewards, and Hotel accommodations rewards cards.

** The UK Credit Card Centre has been designated as a Credit Intermediary under the Consumer Credit Directive(CCD) of 2011. The UK Credit Card Centre receives commissions from credit card referrals/applications and credit card sales.

Featured Rewards Credit Cards

Rewards Credit Cards

Company	Logo	Name	Purchase Rate	Balance Transfer Rate	Representative APR / Annual Interest Rate	Maximum Credit Limit	Fee/Fee Type	Card Info	Reward Card Benefits	Apply
		Capital One Click Credit Card	9.9% p.a. (variable)	9.9% p.a. (variable)	Representative example: 9.94% p.a. (variable) on card purchases, equivalent to 9.9% APR representative (variable) based on a credit limit of £1200	Minimum credit £2,000 - Maximum credit £12,000	No Annual Fee		Designed for people who want more rewards and enhanced security while doing what they love most - shopping online! Enjoy exclusive access to great brand discounts with eXtras plus. Get More Details
		Tesco Clubcard MasterCard	0% interest on all purchases for 15 months	0% interest on balance transfers for 9 months from account opening (2.9% fee)	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)	Minimum credit £250 - Maximum credit subject to status	No Annual Fee		Collect 1 Clubcard point for every £4 you spend on the Clubcard Credit Card (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Get More Details
		Express Rewards Credit Card^sm	0% p.a.For 6 months from the signing of this Agreement by us on all purchases made within the first 6 months	17.9% p.a. (variable)	Representative example 17.9% p.a. (variable) on card purchases. Equivalent to 17.9% APR representative (variable) based on a credit limit of £1200	Minimum credit limit of £700, maximum credit limit subject to status	No Annual Fee		As a specialist lender, whatever your financial situation, at American Express Rewards we take a closer look to see if we can give you the credit you need and can afford. Get More Details
		American Express® Preferred Rewards Gold Card	na	na	na	Minimum credit limit of £700, maximum credit limit subject to status	£125		Points, points and more points...Earn a welcome bonus of 20,000 points just by spending £1,000 on your Card over the first three months of Cardmembership. That's enough for two return rewards flights with British Airways to old favourites such as Paris or Amsterdam. Get More Details
		Barclaycard Platinum Extended Balance Transfer Credit Card	0% interest on purchases for 3 months from account opening	0% interest on balance transfers for 22 months from account opening (3.2% handling fee). Refund offer which reduces handling fee to equivalent of 2.9%.	Representative example 17.5% p.a. (variable) on card purchases. Equivalent to 17.5% APR representative (variable) based on a credit limit of £1200	Minimum credit limit : £250 Maximum credit limit: Subject to status	No Annual Fee		Not only UK's longest balance transfer offer, this card comes with Barclaycard Freedom - you automatically earn Reward Money and can redeem it on a future purchase at selected retailers within the programme. Get More Details
		Sainsbury's Credit Card	0% for the first 12 months	0% for the first 12 months on balance transfers (3% BT fee applies)	Representative Example: 16.94% p.a. (variable) on card purchases, equivalent to 16.9% APR representative (variable) based on a credit limit of £1200	Credit limits subject to status	No Annual Fee		With a Sainsbury's Credit Card, Sainsbury's shoppers with a Nectar card* can enjoy 0% for 12 months on all shopping and balance transfers^ (3% BT fee applies). Get More Details
		Lloyds TSB Airmiles Duo MasterCard	Representative 15.9% APR variable	0% interest on balance transfers for 6 months† 3% fee applies. Minimum spend of £100 in the first 3 months applies	Representative Example: 15.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 15.9% p.a. (variable)	Minimum credit £500. Your cash limit is 50% of your actual limit. - Maximum credit subject to status	No annual fee		You can get a 500 mile boost from the Lloyds TSB Airmiles Duo Credit Card Account when you spend £10 on the Lloyds TSB Airmiles Duo American Express® Card in the first 30 days. Get More Details
		Virgin Credit Card	0% for 3 months on card purchases* (from the date your account is opened)	0% on balance transfers for 20 months* Rate applies to transfers made in the first 60 days. Handling fee of 2.99% applies.	Representative example 16.8% p.a. (variable) on card purchases. Equivalent to 16.8% APR representative (variable) based on a credit limit of £1200	Minimum credit limit: £0, Maximum credit limit: Subject to status	No annual fee		0% on balance transfers for 20 months*. Remember though, you will need to do this within the first 60 days to receive the introductory balance transfer rate (2.99% handling fee applies). Get More Details

Rewards credit cards are the fastest growing segment of the credit card industry. Since everyone uses credit cards, it’s only natural to want the benefits of a rewards program from your everyday purchases.

Rewards programs come in a variety of flavors; cash back rewards, shopping rewards, travel rewards, auto rewards, entertainment rewards are just a few of the rewards categories more prominent in the rewards program industry. Many of the major credit card companies in the UK offer rewards programs. Virgin, Sony, Barclaycard, American Express, Tesco, Sainsbury are just a few that offer reward programs that reward you for your everyday purchases.

Tesco Clubcard Credit Card Details:

0% interest for 9 months on balance transfers from account opening (2.9% fee).
0% interest for 15 months on all purchases from account opening.
16.9% APR typical rate (variable).
Earn points on everything you buy at Tesco or elsewhere with your Clubcard Credit Card!
No annual fee.

Tesco Clubcard Credit Card Approval Criteria:

You are currently employed
You are over 23 years of age
You are a homeowner
You have an income of over £20,000
You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages
You are a resident in the UK and can prove residential addresses for the past two years

American Express® Rewards Credit Card Details:

15.9% p.a. interest on purchases.
A promotional low rate on balance transfers and money transfers - 5.9% for the life of the balance.
15.9% APR typical rate (variable).
5% cash back for your first 3 months (maximum of £100) and up to 1.5% after that
Purchase protection alleviates the worry of "what if" on your purchases in case of loss, theft or accidental damage
No annual fee.

American Express® Rewards Credit Card Approval Criteria:

I am aged 18 or over
I have a current UK bank or building society account
I have an Annual Household Income of £30,000 (ie. your personal income plus partner's income)
I have a permanent UK home address
I have no County Court Judgements for non-payment of debt
My company has been trading for more than a year (only if you are self-employed)

Barclaycard Platinum Details:

0% interest on balance transfers for 22 months from account opening (3.2% handling fee). Refund offer which reduces handling fee to equivalent of 2.9% for everyone
0% on card purchases for 3 months.
Representative APR - 17.9% representative variable
Annual Interest Rate - 17.9% p.a. variable
Maximum Credit Limit - £1200
Fee%/ Amount -
Type of Fee - Annual
Go Contactless - Make purchases of £10 and under in an instant wherever you see the wave symbol.
Maximum 56 days on new purchases if you pay in full and on time each month. No interest free period on balance transfers, cash withdrawals or cheques.
Minimum credit limit £250, maximum subject to status.
No Annual Fee.

Barclaycard Platinum Approval Criteria:

Have a good credit rating
You have no history of bankruptcy
You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
You have a history of managing credit commitments well i.e. have existing credit and at least 4 years of experience managing credit cards, loans, overdraft or mortgage
You have always made payments on time
Don't already have a Barclaycard
Have had a permanent UK address for 3 months or more
Have a regular income of more than £20,000 pa
Excluding a mortgage, your debt on credit cards or store cards is less than 10% of your income
Are aged 21 or over

Barclaycard Platinum Benefits:
With Barclaycard Freedom - you automatically earn Reward Money and can redeem it on a future purchase at selected retailers within the programme.

Think about Platinum credit card if you have a good credit rating Sainsbury Credit Card Details:

0% for the first 12 months on purchases
0% for the first 12 months on balance transfers (+3% fee)
Representative 15.9% APR variable.
With a Sainsbury's Credit Card, Sainsbury's shoppers with a Nectar card* can enjoy 0% for 12 months on all shopping and balance transfers^ (3% BT fee applies).

Sainsbury Credit Card Approval Criteria:

have a permanent UK address
be over 18
not have been declined for credit in the last month
not have a history of bad credit
not be an existing Sainsbury's Bank Credit Card holder

Virgin Card Details

0% p.a. on balance transfers for 20 months (2.99% admin fee applies)
0% on card purchases for 3 months
Typical rate 16.8% APR (variable)
Discounts on Virgin Holidays and other Virgin products
No annual fee
Manage your account online
Minimum Age: 18 years

Virgin Card Approval Criteria:

You are at least 25 Years of Age
You have a Good Credit History
You are in full time employment
You are a permanent resident/citizen of the UK
You have a Bank or Building society account

Capital One Click Card Details:

Designed for people who want more rewards and enhanced security while doing what they love most - shopping online!
The Click Card gives you unlimited access to exclusive rewards with leading fashion, travel and lifestyle brands and provides enhanced security to keep your card protected. We'll also send you new and exciting discounts every three months
Typical 9.9% APR variable
Although it's designed for online shopping you can also use your Click Card on the High Street like any other credit card. Don't forget, Click Card has our lowest APR on purchases too.
Enhanced security

Capital One Click Card Approval Criteria:

You have credit card balances of less than £10,000
You're aged 21 or over
You're a home owner
You have an income of more than £20,000 p.a.

Lloyds TSB Card Details

Two Credit Cards – just one account, statement and monthly payment
500 mile voucher**
Miles when* you use your cards
Double miles when you use your cards abroad
Free flights, UK days out, hotels and travel extras when you’re collecting and spending Airmiles
Exclusive hotel, holiday and cruise offers

Lloyds TSB Card Approval Criteria:

You are at least 25 Years of Age
You have a Good Credit History
You are in full time employment
You are a permanent resident/citizen of the UK
You have a Bank or Building society account