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Additional Credit Card Details |
The advantages of rewards credit cards 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.
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Choosing a Rewards Credit Card |
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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. |
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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 |
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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 |
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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.
   Barclaycard Platinum Credit Card with Barclaycard Freedom Rewards Program
With Barclaycard Freedom - you automatically earn Reward Money and can redeem it on a future purchase at selected retailers within the programme.
With the original card in our Platinum range, you'll pay no interest on Balance Transfers for 15 months (2.9% handling fee applies) and on purchases for the first three months.
Now that's music to your ears.
Barclaycard Platinum Contactless - The quick and hassle-free way to wave and pay for items of £10 or less - Find out more.
People choose Barclaycard Platinum Credit Card because all customers enjoy:
- 0% interest on balance transfers until July 2011 from account opening (2.9% handling fee)
- 0% interest on purchases for three months from account opening
- 15.9% APR typical (variable)
The approval criteria for the Barclaycard Platinum card including having a good credit rating, no history of bankruptcy, and regular income of £20,000 pa. Click Here for a complete list of approval criteria..
Apply Now, or find out more about the benefits of choosing Barclaycard
* Terms and conditions apply to all benefits, the Barclaycard Platinum Card requires Good Credit History
bmi American Express® Credit Cards from MBNA
Apply online for the bmi Credit Card and if you spend £250 on card purchases within 90 days of your account opening we'll give you 20,000 destinations miles.* That's enough for two Economy tickets to Amsterdam or one return Business Class to Moscow
bmi American Express® Credit Cards from MBNA Rewards Summary
The award winning† bmi American Express® Credit Card from MBNA won the Best Card Benefits Programme at the recent Card Awards for it's simplicity and generosity.
With our credit cards you will become an automatic member of Diamond Club, the bmi frequent flyer programme and the most generous programme in the UK.
Apply now for the bmi American Express® Credit Cards from MBNA
  Welcome to the MBNA Platinum Rewards Credit Card where you get great rates and
rewards! Not only do you get 0% p.a. for 13 months on balance transfers made in the first 90 days (2.9% handling fee applies), 0% p.a. on card purchases* for 3 months from the date your account is opened, and 16.9%
APR Typical rate (variable), but you can earn 1 point for every
pound you spend on card purchases to redeem for flights, vouchers, holidays
and much much more!
Great Rates or Rewards? Why Choose? Have both with MBNA.
MBNA Platinum Rewards Summary
Travel -
Any Choice of Travel Rewards -
Unlike some other schemes, you're not restricted to limited travel offers. Use this service as your own personal travel agency and redeem your points for an endless choice of flights, hotels, package holidays, city breaks and car hire. You can pay part points and part cash — whichever suits you.
Entertainment - Products at exceptional value. From DVD players and televisions to family treats, we've got a huge range of things to choose from.
Shopping - High Street Vouchers - Use your points in exchange for vouchers from your favourite high street shops including Selfridges, John Lewis, Boots, Halfords, WHSmith and Debenhams, plus many more.
Wine - Wine Offers - Take your pick from our selection of handmade estate wines from around the world. All our wines are sourced by expert wine buyers at the UK's largest independent wine specialist.
Cash Back - Cash to use how you want - If you prefer straight cash, you can exchange your points for this too with a credit being paid directly to your credit card account.
Find out more about the MBNA Rewards, or to Apply Now
The American Express Platinum Cashback Credit Card gives you the most MoneyBack on everything you buy - 5% for your first 3 months and up to 1.5% after that. With no maximum, you'll earn MoneyBack everywhere3 on the total amount you spend, so there's no limit to what you can earn. It's like saving big every time you use it.
American Express Platinum Cashback Rewards Summary
Apply now to start earning your 5% cashback with the American Express® Platinum Cashback Credit Card. Every time you use your card, it’ll reward you with cashback to spend how you please.
What’s more, the Platinum Cashback Credit Card boasts the highest introductory cashback rate* on the market.
Receive 5% cashback in your first three months up to £1002. After that, you’ll be rewarded with up to 1.25% cashback, with no limit on how much you can earn. Apply now and get a decision within 60 seconds.
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Featured Rewards Credit Cards |
Rewards Credit Cards
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. Egg, Virgin, Sony, Barclaycard, American Express, Tesco, Sainsbury are just a few that offer reward programs that reward you for your everyday purchases.
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Credit Card News |
» Osborne says no deal on rates with Bank
29/07/10 01:44 from Reuters: Business News
NEW DELHI (Reuters) - The government has not stitched up any deal with the Bank of England to keep interest rates low but thinks the best way to stimulate the economy is through monetary policy, Chancellor George Osborne told Reuters on Thu..
» FTSE rises as investors cheer corporate results
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» New bank Metro opens for business
29/07/10 01:28 from Reuters: Business News
LONDON (Reuters) - Metro Bank, Britain's first new High Street retail bank in more than 100 years, opened for business on Thursday with high hopes of breaking into a sector shaken up by the global credit crisis.
» Soft mortgage data point to housing market weakness
29/07/10 01:13 from Reuters: Business News
LONDON (Reuters) - Mortgage approvals fell more than expected in June and lending came in weaker than forecast, Bank of England figures showed on Thursday, suggesting the housing market will continue to soften.
» AstraZeneca doubles buyback as Brilinta shines
29/07/10 01:09 from Reuters: Business News
LONDON (Reuters) - AstraZeneca doubled its 2010 share buyback programme on Thursday, after posting strong results and winning an endorsement from a U.S. advisory panel for its potential blockbuster heart drug Brilinta.
» Spain drags and Brazil sparkles in Santander H1 results
29/07/10 00:58 from Reuters: Business News
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» Shell Q2 profits double as overhaul beats targets
29/07/10 00:30 from Reuters: Business News
LONDON (Reuters) - Royal Dutch Shell Plc said second-quarter current cost of supply (CCS) net income jumped 94 percent to $4.53 billion (2.9 billion pounds) thanks to a strong operating environment and a speedy restructuring of the group.
» BSkyB taps High Definition demand and signs HBO deal
29/07/10 00:15 from Reuters: Business News
LONDON (Reuters) - Pay-TV firm BSkyB added 90,000 customers in the fourth quarter on surging demand for high definition services, and sees new American dramas fuelling growth ahead of a possible takeover.
» Trinity Mirror H1 nationals ad revenue up 2.2 percent
28/07/10 23:04 from Reuters: Business News
LONDON (Reuters) - Newspaper publisher Trinity Mirror said advertising revenue for its nationals division picked up by 2.2 percent in the first half but would be flat in July, with regionals' revenue dropping 9 percent.
» Rolls-Royce profit up and more bullish on outlook
28/07/10 22:57 from Reuters: Business News
LONODN (Reuters) - Engine and turbine maker Rolls-Royce reported a stronger than expected rise in first half profit, saying strong trading at its marine unit and a tight lid on costs had allowed it to raise full-year forecasts.
» Travis Perkins resumes dividend as profits rise
28/07/10 22:54 from Reuters: Business News
LONDON (Reuters) - Builders' merchant and DIY retailer Travis Perkins beat forecasts with a 24 percent rise in first-half profit and said it was recommencing paying dividends after a two year gap.
» Cash-strapped Connaught agrees short-term funding
28/07/10 22:49 from Reuters: Business News
LONDON (Reuters) - Connaught agreed a short-term overdraft facility and deferral of loan payments with its banks, giving the cash-strapped social housing provider a reprieve as it reviews trading prospects.
» AstraZeneca doubles buyback as Brilinta shines
28/07/10 22:47 from Reuters: Business News
LONDON (Reuters) - AstraZeneca doubled its 2010 share buyback programme on Thursday, after posting strong results and winning an endorsement from a U.S. advisory panel for its potential blockbuster heart drug Brilinta.
» BAE Systems H1 earnings up 14 percent
28/07/10 22:44 from Reuters: Business News
LONODN (Reuters) - BAE Systems reported a 14 percent rise in first-half earnings and said it expected to deliver growth in the full-year despite expected lower sales at its land vehicle unit and cuts in European defence budgets.
» National Express first half boosted by margin improvement
28/07/10 22:30 from Reuters: Business News
LONDON (Reuters) - Transport group National Express reported a 36 percent increase in first-half pretax profit on Thursday as it benefited from improved operating margins and new contracts in North America.
 
Tesco Clubcard Credit Card - Get EXTRA Clubcard points on
all your purchases
The Tesco Clubcard Credit Card is a good little earner. Earn points on everything you buy at Tesco or elsewhere with your Clubcard Credit Card! Buy all shopping interest-free for 13 months from the day you open your account!
Don't miss out apply for this low rate on purchases and extra points today.
- 0% interest for 13 months on all purchases from account opening
- 0% interest for 9 months on balance transfers from account opening (2.9% fee)
- A faster way to collect Clubcard points
Collect 1 Clubcard point for every £4 you spend on your Clubcard Credit Card anywhere in the world.
Your points will be added to your Clubcard statement and sent to you by post. It will outline the
* the points you've collected in-store
* the extra points you earn when you use your Clubcard Credit Card
Make your vouchers go further and spend them:
* In-store to save on your Tesco purchases
* On Clubcard rewards - You can get up to 4x the value of your Clubcard vouchers when you turn them into Clubcard rewards. Treat yourself to a weekend break, day out with the family or a nice meal plus much more.
* Airmiles - Every £2.50 in Clubcard vouchers will get you 60 Airmiles. A return flight from London to Paris could cost just £31.25 in Clubcard vouchers (or 750 Airmiles)
Apply for the Tesco Clubcard Credit Card for an instant decision online
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MBNA Platinum Rewards Card Details:
- 0% p.a. for 13 months on Balance Transfers made in the first 90 days (2.9% handling fee applies). For this great rate your balance needs to be transferred within the first 90 days of opening your account.
- 0% p.a. on card purchases for 3 months.
- 15.9% APR typical rate (variable).
- Redeem your points for an endless choice of flights, hotels, package holidays, city breaks and car hire. You can pay part points and part cash!
- No annual fee.
- Interest free period: Maximum 50 days on purchases only, if you pay your statement balance in full and on time every month.
- Credit limits to £50,000.
MBNA Platinum Rewards 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
bmi American Express® Details:
- 0% p.a. on card purchases for three months from the date your account is opened.
- 0% p.a. on balance transfers for twelve months from the date your account is opened (3% handling fee).
- 16.9% APR typical rate (variable).
- if you spend £500 on card purchases or balance transfers within 90 days of your account opening we'll give you 20,000 destinations miles
- That's enough for a return flight to Italy, Spain and many other great destinations!
- Earn 1.5 destinations miles for every £1 spent on everyday card purchases to get you to over 975 worldwide destinations
- No annual fee.
bmi American Express® 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
- You have not applied for an MBNA or Virgin Credit Card within the last 6 months
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)
Egg Card Details:
- 0% interest until 1 September 2011 on balance transfers put on the account by 1 October 2010 (plus 3% fee).
- 0% on purchases until 1 October 2010
- Typical 17.9% APR variable
- What if you're unable to work through accident, sickness or unemployment? Your Egg Card monthly repayments will still have to be met, and card repayment protection could help.
- There's lots you can do to make things a little easier for yourself. Whether it's hiring a car, relaxing in a comfortable airport lounge or even booking a holiday using your Egg credit card.
- Instant cash back offers with selected retailers including 0800flowers, 7digital.com, lastminute.com, and Virgin Wines to name a few.
- No annual fee.
Egg Card Approval Criteria:
- You are aged 18 years or over
- You are permanently resident in the UK (excluding Channel Islands and Isle of Man)
- You are able to provide us with residential addresses for the last two years
- You have regular access to the Internet
- You can be contacted via a personal e-mail address at home or work
- You have a UK bank or building society account from which you can pay direct debits. The account must be in your name, or in joint names where you are one of the account holders (excluding business accounts).
- You do not already have an Egg Card or haven't closed an Egg Card account within the last 12 months. Existing additional cardholders may apply.
Barclaycard Initial Details:
- Strengthen your credit with the Barclaycard Initial Card.
- Credit limit up to £2,000. The minimum credit limit is £250.
- Go Contactless - Make purchases of £10 and under in an instant wherever you see the wave symbol.
- Typical rate 29.9% APR(variable).
- No Annual Fee.
Barclaycard Initial Approval Criteria:
- Have a credit rating that needs improvement
- 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 not missed multiple payments on a credit agreement within the last 12 months
- You have been unsuccessful in attempts to obtain a credit card in the past (12 months) OR
- You have no credit history, for example;
- You have never used credit in the past
- You are new to the country.
- Don't already have a Barclaycard
- Have had a permanent UK address for 3 months or more
- Have a regular income of more than £10,000 pa
- Are aged 18 or over
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