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.
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.
The American Express® Rewards Credit Card
- Earn 1 point for every £1 spent on the card.
- £0 annual fee.
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.
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.
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 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 Rewards Credit Card
- Earn 1 HSBC point for every £5 spent on the card.
- Receive 2,500 bonus points every year that you spend £10,000 on the card for the first 5 years of cardmembership
- No annual fee.
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.
British Airways American Express® Premium Plus Card
- Earn 1.5X - 3X Avios for every £1 spent.
- Receive a Companion Voucher every membership year that you spend £10,000 on the card.
- £250 annual fee.
British Airways American Express® Credit Card
- Earn 1X Avios for every £1 spent.
- Receive a Companion Voucher every membership year that you spend £12,000 on the card.
- £0 annual fee.
British Airways American Express® Accelerating Business Card
- Earn 2X On Business Points for every £1 spent with British Airways.
- Earn 1.5X Avios for every £1 spent on everyday purchases.
- For every £20,000 spent on the Card, receive 10,000 bonus Avios, up to 3 times each year.
- £250 annual fee.
Barclaycard Avios Plus
- Earn 1.5 Avios for every £1 you spend on eligible purchases.
- Receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking when you spend £10,000 on the card.
- £20 monthly fee (£240 annually).
Barclaycard Avios
- Earn 1 Avios for every £1 you spend on eligible purchases.
- Receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking when you spend £20,000 on the card.
- £0 annual fee.
Virgin Atlantic Reward+ Credit Card
- Earn 1.5X - 3X Virgin points for every £1 you spend.
- Choose from an upgrade to Premium or a Companion ticket when you spend £10,000 in a year.
- £160 annual fee.
Virgin Atlantic Reward Credit Card
- Earn 0.75X - 1.5X Virgin Points for every £1 you spend.
- Choose from an upgrade to Premium or a Companion ticket when you spend £20,000 in a year.
- £0 annual fee
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.
Marriott Bonvoy® American Express® Card
- Earn 2X - 6X Marriott Bonvoy points for every £1 spent.
- Receive up to a $100 credit on 2-night minimum bookings at The Ritz-Carlton® or St. Regis®.
- Enjoy 15 elite nights every year which grants complimentary Marriott Silver Elite status.
- Earn a 25K-point free night award after spending £25,000 on the card during the year.
- £75 annual fee.
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.
Platinum Cashback Credit Card
- Earn 0.75% cash back on spend up to £10,000 within your card membership year.
- Earn 1.25% cash back on spend above £10,000 within your card membership year
- £30 annual fee.
Platinum Cashback Everyday Credit Card
- Earn 0.5% cash back on spend up to £10,000 within your card membership year
- Earn 1% cash back on spend above £10,000 within your card membership year
- £0 annual fee
Barclaycard Rewards Card
- Earn 0.25% cash back on your everyday spending.
- No annual fee and no foreign transaction fee.
NatWest 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.
NatWest Reward credit card
- Earn 1% back in Rewards at supermarkets and 0.25% back in Rewards on all other purchases.
- Earn up to 15% back in Rewards shopping with MyReward retailers.
- £24 annual fee or £0 if you have a Reward Black account.
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 Reward credit card
- Earn 1% back in Rewards at supermarkets and 0.25% back in Rewards on all other purchases.
- Earn up to 15% back in Rewards shopping with MyReward retailers.
- £24 annual fee or £0 if you have a Reward Black account.
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.
Amazon Business Prime American Express® Card
- Earn 0.5% - 2% back in Amazon Rewards.
- Choose between earning rewards or extending payment terms by 90 days on each Amazon.co.uk, Amazon Business UK and Whole Foods Market UK purchase.
- Annual fee of £0 in your first year, and £0 thereafter if you spend £8,000 or more on purchases each year, otherwise it is £50 annually.
Amazon Business American Express® Card
- Earn 0.5% - 1.5% back in Amazon Rewards.
- Choose between earning rewards or extending payment terms by 60 days on each Amazon.co.uk, Amazon Business UK and Whole Foods Market UK purchase.
- Annual fee of £0 in your first year, then £50.
Boots Advantage Card
- Collect 3 points for every £1 you spend.
- Free to sign up and no annual fee.
- *This is just a rewards card, not a credit card.
John Lewis Partnership Card
- Earn 1X/£4 - 5X/£4 points on eligible purchases.
- Cardholder exclusive benefits which includes bonus point events, ticket exclusives, and luxury travel offers.
- No annual fee
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.
Nectar Credit Card
- Earn 2 points per £1 spent on all purchases and a minimum of 3 points per £1 spent with Nectar partners.
- £0 annual fee the first year, then £25 annually.
Sainsbury's Nectar Card
- Earn 1 point for every £2 spent at Sainsbury's, Argos, Habitat and Tu Clothing in the UK and 1 point for every £5 spent everywhere else.
- £0 annual fee.
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.
