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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

BHS Reward MasterCard 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).	18.9%	5% in-store rewards, 1% elsewhere. 500 BHS Rewards = £5 BHS voucher. Double points on your first BHS purchase.	n/a	n/a
House of Fraser Recognition MasterCard 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).	19.9%	3% in-store rewards, 6% at houseoffraser.co.uk, 1% elsewhere. 2,000 Recognition points = £20 reward voucher	n/a	n/a
Play.com Visa 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).	16.9%	2% in-store, 1% elsewhere. 1,500 bonus points if you spend £150 within the first three months.	n/a	n/a
Lastminute.com MasterCard 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).	18.9%	2% in-store, 1% elsewhere. 1,500 bonus points if you spend £150 within the first three months.	n/a	n/a
American Express Nectar card 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).	19.9%	1% in-store, 0.5% elsewhere. £250 of bonus points in any month you spend £500.	n/a	70%
AA Members Reward Visa 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).	16.9%	2% in-store, 1% elsewhere. Points value doubled if spent on AA products.	n/a	n/a
Orange MasterCard 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).	18.9%	1% in-store, 1% elsewhere. Points used as shopping vouchers, Money off your Orange bill or donation to charity.	n/a	n/a
Amazon.co.uk MasterCard 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).	16.9%	2% in-store, 1% elsewhere. £10 Amazon voucher when you take out the credit card.	n/a	73%
Marks & Spencer MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 15.9% (variable), your Representative APR will be 15.9% (variable).	15.9%	1% in-store, 0.5% elsewhere. This card also has joint-longest 0%-on-purchases deal on the market.	n/a	78%
John Lewis Partnership MasterCard 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).	16.9%	1% in-store, 0.5% elsewhere. Top provider for customer satisfaction.	n/a	89%
AA Rewards Visa 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).	16.9%	1% in-store, 0.5% elsewhere. Point value doubled if spent on AA products.	n/a	n/a
Harvey Nichols MasterCard 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).	18.9%	1% in-store, 0.5% elsewhere. Extra 10% in first four days of sales.	n/a	n/a
Debenhams MasterCard 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).	19.9%	1% in-store, 0.5% elsewhere. 10% off first in-store purchase.	n/a	n/a
Natwest/RBS YourPoints World MasterCard 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).	17.9%	0.5% in-store, 0.5% elsewhere. £12.50 of bonus points when you take out the card and each year.	n/a	56%
BT Retail Visa 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).	16.9%	0.67% in-store, 0.67% elsewhere. Rewards earned are knocked off your BT phone bill.	n/a	n/a
Sainsbury's Nectar MasterCard 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).	16.9%	1% in-store, 0.1% elsewhere. In-store rate of 1% only lasts two years	n/a	66%
Asda Rewards MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 16.8% (variable), your Representative APR will be 16.8% (variable).	16.8%	0.5% in-store, 0.25% elsewhere. Double points for the first three months. Max annual reward £50.	n/a	50%
Tesco Clubcard MasterCard 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).	16.9%	0.25% in-store, 0.25% elsewhere. 0.75% reward rate at Tesco petrol stations.	n/a	71%

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.

Back to customer score in money table

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 and Which? warning

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.

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 service score appears in our Best Rate tables, we'll highlight this with the warning logo. By naming and shaming providers which customers judge to offer poor satisfaction in these tables, we hope that companies improve their standards.

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