UK Rewards Credit Cards

Rewards Calculator
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.

AMEX UK Membership Rewards

American Express UK Membership Rewards offers the best credit cards if you're looking for valuable flexible rewards. AMEX points can be redeemed directly through American Express for decent value or be transferred to a handful of airline and hotel programs for significantly more value.

Credit Card Benefits Annual Fee
  • Intro Bonus: 30,000 Membership Rewards points
  • Earn 2 points for every £1 spent on amextravel.co.uk
  • Earn 1 point for every £1 spent on all other purchases
  • Complimentary access to over 1,400 airport lounges across more than 140 countries worldwide
  • Receive up to £300 in Global Dining Credits, up to £100 in statement credits per year with Harvey Nichols, and a £200 onefinestay credit
  • Enjoy complimentary status with top hotel chains and car rental agencies
  • Worldwide travel insurance for you and your family
£575
  • Intro Bonus: 20,000 Membership Rewards® points
  • Earn 3 points for every £1 spent on American Express Travel
  • Earn 2 points for every £1 spent on purchases made directly with airlines
  • Earn 1 point for every £1 spent on all other purchases
  • Every time you spend £5,000 you will get 2,500 bonus Membership Rewards points, up to 12,500 bonus points per year
  • Take advantage of 4 complimentary Priority Pass airport lounge visits every year giving you access to over 1,300 airports globally
£0 the first year, then £160
  • Intro Bonus: 10,000 Membership Rewards® points
  • Earn 1 point for every £1 spent on the card
  • Shop with confidence online, on the high street and on your travels with built-in shopping and fraud protection for you and your Supplementary Cardmembers
£0
  • Intro Bonus: 40,000 bonus Membership Rewards® points
  • Earn 2 points for every £1 spent on American Express Travel
  • Earn 1 point for every £1 spent on everything else
  • When you spend a cumulative £10,000 during any calendar month, you will receive 10,000 Membership Rewards bonus points.
  • Complimentary access to over 1,400 airport lounges across more than 140 countries worldwide
  • Enjoy a £200 Annual Travel Credit and a £200 onefinestay credit
  • Enjoy complimentary status with top hotel chains and car rental agencies
  • Worldwide travel insurance for you, your family and employees with supplementary cards
£650
  • Intro Bonus: 20,000 Membership Rewards® points
  • Earn 2 points for every £1 spent on American Express Travel
  • Earn 1 point for every £1 spent on all other purchases
  • Every quarter that you spend £20,000 on the AMEX Business Gold Card UK, you'll earn 10,000 bonus Membership Rewards points
  • Get up to £100 in statement credits towards Dell Technologies purchases
£0 first year, then £175 annually

HSBC UK Rewards

HSBC offers a handful of credit cards that earns travel rewards. Their Premier credit cards allow you to transfer points to airline partners.

Credit Card Benefits Annual Fee
  • Intro Bonus: 40,000 reward points
  • Earn 4 points for every £1 spent on purchases made in a foreign currency (as in non-Sterling)
  • Earn 2 point for every £1 spent on purchases made in Sterling
  • When you spend £12,000 or more on your HSBC Premier World Elite Mastercard during the first 12 months of membership, you will earn 40,000 reward points
  • Gain unlimited complimentary access to over 750 airport lounges worldwide with membership to the LoungeKey program
  • Enjoy complimentary global Wi-Fi access to millions of Wi-Fi networks at key business and travel venues in more than 120 countries or regions with iPass
  • 10% discount on selected hotels with Expedia and Agoda
£195
  • Earn 2 points for every £1 spent on purchases made in a foreign currency (as in non-Sterling)
  • Earn 1 point for every £1 spent on purchases made in Sterling
  • Get access to more than 750 airport lounges worldwide with LoungeKey. Just show your Premier Credit Card at the door. Lounges charge £20 per person per visit, subject to availability.
£0
  • Earn 1 HSBC point for every £5 spent on the card
  • For the first 5 years of cardmembers, every 12-month period that you run £10,000 in spend across the HSBC UK Rewards Credit Card will earn you 2,500 bonus points
£0

NatWest Rewards

NatWest offers Rewards that can be redeemed for cash back or be converted to airline miles. They offer the Black Reward credit card which has no foreign transaction fee.

Credit Card Benefits Annual Fee
  • Earn 1% back in Rewards at supermarkets
  • Earn 0.5% back in Rewards everywhere else
  • Earn up to 15% back in Rewards shopping with MyReward retailers
  • No foriegn transaction fee.
£84 or £0 if you have a Reward Black account
  • Earn 1% back in Rewards at supermarkets
  • Earn 0.25% back in Rewards everywhere else
  • Earn up to 15% back in Rewards shopping with MyReward retailers
£24 or £0 if you have a Reward current account

RBS Rewards

RBS Rewards offers the same exact products as NatWest Rewards. They also offer a Black Reward credit card that has no foreign transaction fee.

Credit Card Benefits Annual Fee
  • Earn 1% back in Rewards at supermarkets
  • Earn 0.5% back in Rewards everywhere else
  • Earn up to 15% back in Rewards shopping with MyReward retailers
  • No foriegn transaction fee.
£84 or £0 if you have a Reward Black account
  • Earn 1% back in Rewards at supermarkets
  • Earn 0.25% back in Rewards everywhere else
  • Earn up to 15% back in Rewards shopping with MyReward retailers
£24 or £0 if you have a Reward current account

Airline Credit Cards

Airline credit cards are great if you want to experience a few benefits while also earning airline miles on everyday spending.

British Airways Avios

British Airways offers several credit cards through American Express and Barclays. These cards can earn you Avios on everyday purchases and offer additional benefits such as annual companion passes and bonus points.

Credit Card Benefits Annual Fee
  • Intro Bonus: Earn 25,000 bonus Avios
  • Earn 3X Avios for every £1 spent on purchases made with British Airways or BA Holidays
  • Earn 1.5X Avios for every £1 spent on all other purchases
  • Get a Companion Voucher when you spend £10,000 each membership year on the Card
  • Be protected with travel inconvenience insurance
£250
  • Intro Bonus: 5,000 bonus Avios
  • Earn 1X points for every £1 spent on all purchases.
  • Get a Companion Voucher when you spend £12,000 each membership year on the Card
  • Add family members or a partner to your Account and earn Avios faster with complimentary supplementary cards
  • No annual fee
$0
  • Intro Bonus: Earn 30,000 bonus Avios
  • 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
  • Be protected with refund protection, purchase protection, and travel accident protection.
£250
  • Intro Bonus: 25,000 Avios
  • Collect 1.5 Avios for every £1 you spend on eligible purchases
  • Spend £10,000 on the card within 12 months and you’ll receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking
£240 (£20 month)
  • Intro Bonus: 5,000 bonus Avios
  • Collect 1 Avios for every £1 you spend on eligible purchases
  • Spend £20,000 on the card within 12 months and you’ll receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking
£0

Virgin Atlantic Flying Club

Virgin Atlantic offers two co-branded credit cards that are great for building Virgin points. Both cards also offer an annual bonus based on your status in the Flying Club program after spending so much on the card during the year.

Credit Card Benefits Annual Fee
  • Intro Bonus: 15,000 bonus points
  • Earn 3 Virgin points for every £1 you spend with Virgin Atlantic or Virgin Holidays
  • Earn 1.5 Virgin Points for every £1 you spend on everyday card purchases
  • Once you spend £10,000 on the Virgin Atlantic Reward+ Credit Card during the calendar year, you will be able to choose from one award based on your elite status within the Flying Club program
  • Receive complimentary Boingo Wi-Fi which connects you to 1 million hotspots worldwide
£160
  • Earn 1.5 Virgin points for every £1 you spend with Virgin Atlantic or Virgin Holidays
  • Earn 0.75 Virgin Points for every £1 you spend on everyday card purchases
  • Once you spend £20,000 on the Virgin Atlantic Reward+ Credit Card during the calendar year, you will be able to choose from one award based on your elite status within the Flying Club program.
£0

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 program to earn IHG Rewards points.

Marriott Bonvoy

If you frequently stay at Marriott hotels, you'll want to pick up the UK's only co-branded hotel credit card as it provides a solid return on your spend as well as a handful of useful benefits for Marriott travelers.

Credit Card Benefits Annual Fee
Best For Marriott Travelers
  • Intro Bonus: 20,000 bonus Marriott Bonvoy® points
  • Earn 6 points for every £1 spent at eligible Marriott properties
  • Earn 2X points for every £1 spent on all other purchases
  • Earn a free night award after spending £25,000 on the card during the year
  • Receive up to $100 in credit for every 2 night minimum stay at The Ritz-Carlton® or St. Regis®
  • Receive complimentary Marriott Silver Elite status and spend £15,000 on the card to obtain Marriott Gold Elite status
  • Receive 15 elite nights towards status every year you hold the card
£75

Cash Back Credit Cards

American Express and Barclays both offer credit cards that can earn you cash back on your everyday purchases.

American Express

AMEX offers two cash back credit cards and they are the best option if you're looking to earn the most cash back.

Credit Card Benefits Annual Fee
  • 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
  • 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

Barclaycard

Barclay offers one personal cash back credit card and while it earns at a low rate, there's no fee to use the card abroad so that makes it a solid choice for international travel.

Credit Card Benefits Annual Fee
  • Earn 0.25% cash back on your everyday spending
  • No annual fee and no foreign transaction fee
£0

Store Credit Cards

There's a good amount of retail credit cards available in the UK and they're all great options.

Amazon UK

Amazon offers two business credit cards through American Express that can earn a solid return on Amazon and Whole Food Market purchases.

Credit Card Benefits Annual Fee
  • Earn 2% back in Amazon Rewards on Amazon.co.uk, Amazon Business UK and Whole Foods Market UK purchases
  • Earn 0.5% back in Amazon Rewards on all purchases elsewhere for every £1 spent
  • You can extend payment terms by 90 days on each Amazon.co.uk, Amazon Business UK and Whole Foods Market UK purchase, instead of earning rewards, helping improve cashflow
£0 in your first year, and £0 thereafter if you spend £8,000 or more on purchases each year, otherwise it is £50 annually
  • Earn 1.5% back in Amazon Rewards on Amazon.co.uk, Amazon Business UK and Whole Foods Market UK purchases
  • Earn 0.5% back in Amazon Rewards on all purchases elsewhere for every £1 spent
  • You can extend payment terms by 60 days on each Amazon.co.uk, Amazon Business UK and Whole Foods Market UK purchase, instead of earning rewards, helping improve cashflow
£0 in your first year, then £50

Boots Advantage

This is not really a credit card, but you can sign up for the Boots Advantage program and earn points on your purchases.

Credit Card Benefits Annual Fee
  • Earn 4 points per £1 spent on most purchases made in-store or online with Boots
£0

John Lewis

John Lewis offers the Partnership Card which is a great option if you frequent John Lewis or Waitrose.

Credit Card Benefits Annual Fee
  • Earn 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose
  • Earn 1 point for every £4 spent elsewhere
  • Cardholder exclusive benefits which includes bonus point events, ticket exclusives, and luxury travel offers
  • For every 500 points you collect, earn a £5 voucher to use towards John Lewis and Waitrose
£0

Marks and Spencer

M&S offers their own co-branded credit card for earning M&S points on everyday spending. The card shines best if you're a M&S Premium Club member.

Credit Card Benefits Annual Fee
  • Earn 1 point per £1 spent on Marks & Spencer 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
  • Earn 1 point per £5 spent on all other purchases
  • Every 100 M&S Credit Card points that you earn is worth £1 in cash value
£0

Nectar Rewards

Nectar offers co-branded credit cards through American Express and one (terrible) co-branded credit card through Sainsbury's.

Credit Card Benefits Annual Fee
  • Intro Bonus: 20,000 bonus Nectar Points
  • Earn 2 points for every £1 spent on the card
  • Collect a minimum of 3 points per £1 spent at Nectar partners when using the Nectar Credit Card and loyalty card, that's a 1 additional point bonus
£0 the first year, then £25 annually
  • Earn 1 point for every £2 spent at Sainsbury's, Argos, Habitat and Tu Clothing in the UK
  • Earn 1 point for every £5 spent everywhere else
£0

Tesco Clubcard

Tesco offers one credit card through Tesco Bank that earns you a nice amount of additional points over non-cardholders.

Credit Card Benefits Annual Fee
  • 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
  • Earn 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
  • All other purchases with the Tesco Clubcard Credit Card will earn 1 Tesco Clubcard point per £8 spent
£0
Calculate Total Rewards & Card Value Per £1 Spent For Top U.K. Credit Cards
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