Travel Rewards: Point Value, Credit Cards & Calculators

Travel Points & Miles
Use our tools and calculators to find travel rewards credit cards and loyalty programs that earn you the most points and miles.
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Travel credit card rewards are best if you're looking to earn rewards that can be redeemed to cover all kinds of travel expenses. This includes airfare, hotels, car rentals, cruises and even smaller purchases such as tolls and parking fees.

The most popular travel rewards credit cards are the ones that earn flexible travel rewards that can be transferred to airline, hotel, and other loyalty programs. This gives your rewards significantly higher value and gives you a lot more ways to redeem your hard earned rewards.

There's only a handful of travel rewards cards to choose from in the UK and the best option, for most, will be American Express UK Membership Rewards.

American Express UK Membership Rewards

American Express offers five travel rewards cards that earn flexible rewards called Membership Rewards points. These points can be redeemed directly through AMEX for solid value, but can also be transferred directly to airline and hotel rewards programs for significantly more value.

This is what makes the Membership Rewards program one of the best (if not the best) travel rewards program in the UK.

Check out the full list of AMEX UK transfer partners and calculate the conversion of AMEX points to airline miles and hotel points.

View the list of redemption options for AMEX Membership Rewards points and find out how much value you'll get out of each redemption.

AMEX points to pounds calculator for determining the average cash value of American Express Membership Rewards points based on redemption.

Membership Rewards Credit Cards

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 small handful of travel rewards credit cards that earns HSBC Premier points and HSBC points. If you're looking for flexibility and want the ability to transfer points to airline partners, you'll want to consider HSBC's Premier credit cards.

View the full list of redemption options for HSBC points and calculate the average value in pounds for each.

HSBC Rewards Credit Cards

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 & RBS Rewards

NatWest and RBS both offer two identical rewards credit cards that earn Rewards that can be deposited into a bank account, redeemed for gift cards, or be converted into airline miles. Both banks also offer a Rewards credit card that has 0% foreign transaction fees which can be great if you frequently make non-Sterling purchases.

NatWest Rewards points can be redeemed for gift cards, cashed out to your bank account or be transferred to airline partners. Get the full list of redemptions.

RBS Rewards points can be redeemed for gift cards, cashed out to your bank account or be transferred to airline partners. Get the full list of redemptions.

NatWest Reward Credit Cards

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 Reward Credit Cards

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
Calculate Total Rewards & Card Value Per £1 Spent For Top U.K. Credit Cards
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