UK Credit Card Rewards Calculators

Calculate Rewards & Compare Cards
View the list of rewards credit cards available in the UK including earning rates, benefits, fees, and intro bonuses, plus calculate rewards per £1 spent.
By R.Flowers III

Check out the list of rewards credit cards we cover for the UK and use our calculators to find out how many points, miles, or cash back you can earn based on the spend amounts you enter.

You can use the Credit Card Rewards Calculator to find out which credit cards earn you the most or use the Credit Card Comparison Tool to create your own combination of credit cards and calculate rewards for all of them.

Travel Credit Cards

If you frequently travel or you're looking to build rewards towards travel, these are the credit cards you'll want to primary focus on. In terms of overall value, the AMEX UK Membership Rewards will be the best program for most.

The Platinum Card®

  • Earn 2 points for every £1 spent on amextravel.co.uk and 1 point on all other purchases.
  • Receive complimentary access to over 1,400 airport lounges, up to £300 in Global Dining Credits, a $200 statement credit for every booking with onefinestay.com., up to £100 in Harvey Nichols statement credits per year, complimentary Marriott Bonvoy Gold Elite status and Hilton Honors Gold Elite status, and much more.
  • £575 annual fee.
AMEX Points & Card Value Calculator

American Express® Preferred Rewards Gold Credit Card

  • Earn 3 points for every £1 spent on American Express Travel, 2 points for every £1 spent on purchases made directly with airlines, and 1 point for every £1 spent on all other purchases.
  • Receive 2,500 bonus Membership Rewards points every time you spend £5,000 (up to 12,500 bonus points per year) and enjoy 4 complimentary Priority Pass airport lounge visits every year giving you access to over 1,300 airports globally.
  • £0 the first year, then £160.
AMEX Points & Card Value Calculator

The American Express® Business Platinum Card

  • Earn 2 points for every £1 spent on American Express Travel and 1 point for every £1 spent on everything else.
  • Receive 10,000 Membership Rewards bonus points when you spend a cumulative £10,000 during any calendar month, complimentary access to over 1,400 airport lounges across more than 140 countries worldwide, a £200 Annual Travel Credit, complimentary elite status with several leading hotel programs, special benefits through Fine Hotels & Resorts, and an annual £150 statement credit when you use your American Express Business Platinum card to book a stay in private homes with onefinestay.
  • £650 annual fee.
AMEX Points & Card Value Calculator

American Express® Business Gold Card

  • Earn 2 points for every £1 spent on American Express Travel and 1 point for every £1 spent on all other purchases.
  • Earn 10,000 bonus Membership Rewards points every quarter that you spend £20,000 on the card, get up to £100 Dell Technologies credit each year, and enjoy up to 54 days payment period on purchases.
  • No annual fee the first 12 months, then £175 annually.
AMEX Points & Card Value Calculator

HSBC Premier World Elite™ Mastercard®

  • Earn 4 points for every £1 spent on purchases made in a foreign currency and 2 points for every £1 spent on purchases made in Sterling.
  • Enjoy complimentary access to airport lounges with LoungeKey membership, extended warranty, and purchase protection.
  • Annual fee of £195.
  • Must be an HSBC Premier or Private Banking Account customer.
HSBC Premier Points & Card Value Calculator

HSBC Premier Credit Card

  • Earn 2 points for every £1 spent on purchases made in a foreign currency and 1 point for every £1 spent on purchases made in Sterling.
  • Enjoy access to airport lounges with LoungeKey membership, extended warranty, and purchase protection.
  • No annual fee.
  • Must be an HSBC Premier or Private Banking Account customer.
HSBC Premier Points & Card Value Calculator

Airline Credit Cards

Airline credit cards are great if you want to experience a few benefits while also earning airline miles on everyday spending. Co-branded credit cards are available for both British Airways and Virgin Atlantic.

Hotel Credit Cards

There's only one co-branded credit card in the UK and it is for Marriott. As a side note, do note that you can use the AMEX UK Membership Rewards program to earn points with Marriott and Hilton and the Virgin Atlantic Flying Club program to earn IHG Rewards points.

Cash Back Credit Cards

American Express and Barclays both offer credit cards that can earn you cash back on your everyday purchases. You can also earn Rewards with NatWest and RBS and turn those into cash back or trade them for gift cards.

RBS Reward Black credit card

  • Earn 1% back in Rewards at supermarkets and 0.5% back in Rewards on all other purchases.
  • Earn up to 15% back in Rewards shopping with MyReward retailers and enjoy shopping worldwide with no foreign transacion fee.
  • £84 annual fee or £0 if you have a Reward Black account.
RBS Rewards & Card Value Calculator

Store Credit Cards

There's a good amount of retail credit cards available in the UK and they're all solid options if you frequently shop with a specfic retailer.

M&S Credit Card

  • Earn 1 point per £1 spent on Marks & Spencer purchases and 1 point per £5 spent on all other purchases.
  • M&S Premium Club customers will earn 2 additional points for each £1 spent with Marks and Spencer for a total of 3 points per £1.
  • No annual fee.
M&S Points & Card Value Calculator

Tesco Clubcard Credit Card

  • Earn 1 additional point per £4 spent over the non-cardholder rate with purchases with Tesco for a total of 5 Tesco Clubcard points per £4 spent, 3 additional points per £4 spent over the non-cardholder rate with Tesco Fuel purchases for a total of 5 Tesco Clubcard points per £4 spent and all other purchases with the Tesco Clubcard Credit Card will earn 1 Tesco Clubcard point per £8 spent.
  • £0 annual fee.
Tesco Clubcard Points & Card Value Calculator
Calculate Total Rewards & Card Value For U.K. Credit Cards
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Maximize your credit card rewards!
Our Credit Card Rewards calculator can help you find the credit cards that will earn you the most points, miles and cash back based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let our tool do the work for you!