Credit cards Reward credit cards
Reward credit cards pay you a percentage of your spending, either as vouchers to use in-store or to pay for meals, days out or other leisure activities.
If you do a lot of your shopping with one particular retailer, a reward credit card could be good for you. As with a cashback credit card, these deals are only worth considering if you pay off your credit card bill in full.
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| House of Fraser Recognition MasterCard | 19.9% | 3% in-store rewards, 3% at houseoffraser.co.uk, 1% elsewhere. 2,000 Recognition points = £20 reward voucher | n/a | n/a |  |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 19.9% (variable), your Representative APR will be 19.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| Amazon.co.uk MasterCard | 16.9% | 2% in-store rewards, 1% elsewhere. 3% earned during the first 90 days of opening account. 13 months 0% on purchases offered on items above £300 purchased during the first 30 days of opening account. | n/a | 71% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| American Express Nectar Credit Card | 19.9% | 2% on spend with Nectar partners, 1% elsewhere. £50 worth of points if £1,000 spent in first 3 months. | £25 | 70% |  |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 19% (variable) with an annual fee of £25, your Representative APR will be 25% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| Debenhams MasterCard | 19.9% | 3% in-store and at Debenhams.co.uk, 0.5% elsewhere. Receive 500 bonus points in first statement as long as card has been used. 500 points = £5 reward voucher. | n/a | n/a | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 19.9% (variable), your Representative APR will be 19.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| Play.com Visa | 16.9% | 2% in-store, 1% elsewhere. £15 of bonus points if you spend £150 within the first 90 days. 0% on purchases for first nine months. | n/a | n/a | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| Lastminute.com MasterCard | 18.9% | 2% in-store, 1% elsewhere. £15 of bonus points if you spend £250 within the first three months. | n/a | n/a | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 18.9% (variable), your Representative APR will be 18.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| Laura Ashley MasterCard | 18.9% | 2% in-store, 0.5% elsewhere. £5 voucher on first purchase. | n/a | n/a | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 18.9% (variable), your Representative APR will be 18.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| MBNA More Rewards Amex | 12.9% | 1% in-store, 1% elsewhere. Double points for the first 90 days. | n/a | 54% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 12.9% (variable), your Representative APR will be 12.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| Natwest/RBS YourPoints World MasterCard | 17.9% | 0.5% in-store and elsewhere. £12.50 of bonus points when you take out the card and each year. Double points for the first nine months. 0% on purchases for first 15 months. | n/a | 57% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 17.9% (variable), your Representative APR will be 17.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| Barclaycard Freedom Visa | 18.9% | 0.86% with Freedom Partners, 0.57% on spend at UK supermarkets and petrol stations, 0.29% on all other spend. £30 of points if £500 spent in first three months. | n/a | 54% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 18.9% (variable), your Representative APR will be 18.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| Orange MasterCard | 18.9% | 1% in-store and elsewhere. Points used as shopping vouchers, money off your Orange bill or donation to charity. | n/a | n/a | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 18.9% (variable), your Representative APR will be 18.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| Sainsbury's Bank Nextar Low Rate MasterCard | 7.84% | 4% introductory rate on Sainsbury's shopping for the first 3 months (max £1000), 1% afterwards. 0.1% earned elsewhere after introductory period. 0% on purchases for six months. | n/a | 65% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 7.84% (variable), your Representative APR will be 7.84% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| Sainsbury's Bank Nectar MasterCard | 17.9% | 4% introductory rate on Sainsbury's shopping for the first 3 months (max £1000), 1% afterwards. 0.1% earned elsewhere after introductory period. 0% on purchases for six months. | n/a | 65% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 17.9% (variable), your Representative APR will be 17.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| Marks & Spencer Bank MasterCard | 16.9% | 1% in-store, 0.5% elsewhere. You also receive £5 voucher when you take out the card. 0% on purchases for 15 months. | n/a | 76% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| AA Members Reward Visa | 16.9% | 1% in-store, 0.5% elsewhere. Point value doubled if spent on AA products. Points can be redeemed as vouchers or cashback. 0% on purchases for 10 months. | n/a | n/a | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
John Lewis Partnership MasterCard | 16.9% | 1% in-store, 0.5% elsewhere. Top provider for customer satisfaction. 0% on purchases for six months. | n/a | 87% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| AA Rewards Visa | 16.9% | 0.5% in-store, 0.25% elsewhere. Point value doubled if spent on AA products. Points can be redeemed as vouchers or cashback. 0% on purchases for 10 months. | n/a | n/a | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).
| Provider | Purchase APR Purchase APR help | Reward text Reward text help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|
| Tesco Bank Clubcard MasterCard | 16.9% | 0.25% in-store, 0.25% elsewhere. 1.25% earned on fuel at Tesco petrol stations. | n/a | 68% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.9% (variable), your Representative APR will be 16.9% (variable).
Help
Purchase APR
The interest rate you'll pay on new purchases
Back to Purchase APR in money table
Reward text
Details about the card's reward scheme
Back to Reward text in money table
Customer score
Which? member score based on customer satisfaction and likelihood of recommending company to friend/family member. Customer scores are based at brand level.
Customer scores based on a survey of 15,207 Which? connect online community members carried out between September 2012 and February 2013.
Wherever we display an “APPLY NOW” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Rates tables are compiled by our independent researchers. All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.
Which? Recommended Providers
Which? Recommended Providers are companies that are both rated highly by our members and have products that meet the high standards of our researchers. Which? closely monitors the products and practices of all Recommended Providers and reserves the right to exclude any company that does not treat its customers fairly. Follow the link for a full list of WRPs.
Which? Warning Poor Satisfaction
We also understand that for many people, finding products with the best rate is a priority. But where a product from a provider with a poor customer score appears in our Best Rate tables, we'll highlight this with the warning logo. Our customer satisfaction surveys measure overall satisfaction with the provider in relation to credit cards, not individual credit cards offered by the brand. The customer score should therefore not be associated specifically with any individual credit cards. Only customer scores that are significantly below average and fall into our bottom statistical tier receive our warning. Our customer scores are updated every six months.
By naming and shaming providers which customers judge to offer poor satisfaction in these tables, we hope that companies improve their standards.
- For any financial query, call our experts on the Which? Money Helpline
- Do you know your rights when paying with a credit card? Make sure with our guide
- Money worries? Check our our guide to dealing with debt
