Store Credit Cards can be very rewarding for those that spend a lot of money at a specific retailer. The plus to store cards usually comes in the form of high returns, lots of coupons, additional perks, special financing, early access to sales/events, and much more. The drawback to store cards is that they are unforgiving when it comes to interest rates. Store cards offer some of the highest rates this side of the galaxy and failing to pay your cards every month will eat away your rewards faster than you can earn them.
If you're not down with paying off your statement IN FULL every month, I do not recommend that you pick up a store card since the interest collected will cancel out your rewards.
Amazon offers one card through New Day that offers Amazon Rewards Points on everyday purchases. Those with Prime will earn twice as many points on Amazon.co.uk purchases than non-Prime members.
|Amazon Rewards Points Calculators|
|Amazon Platinum Mastercard Calculator|
The Boots Advantage Scheme rewards you generously for shopping at Boots. As a card member, you'll rake in an easy 4% return on your purchases. Families with young kids, pregnant with kids, or those over 60 years of age also benefit heavily from the program earning up to an 8% return across select purchases.
|Boots Points Calculators|
John Lewis offers one credit card that earns bonus points when shopping at John Lewis and Waitrose stores called the Partnership Card. Points earned with the card can be redeemed for vouchers redeemable with John Lewis and Waitrose.
|John Lewis Points Calculators|
|John Lewis Partnership Card Calculator|
Mark and Spencer (M&S)
M&S offers the M&S Credit Card for those who want to maximize their earnings in the M&S Rewards program. The card will earn you a base return of 1%, but you can earn up to an additional 2% back as an M&S Premium Club member and an extra 1% via the Reward Plus sign up bonus offer for a total of a 4% return the first year (and 3% the following years). If you frequently shop with M&S, you'll want this card in your wallet.
|Mark and Spencer|
|M&S Rewards Points Calculators|
|M&S Credit Card Calculator|
Maximiles is an online rewards program that rewards you for taking surveys, answering emails, and doing other online tasks to earn points. On top of doing that, you can also earn additional Maximiles Points by using the the Maximiles credit card which will earn you points on everyday purchases.
|Maximiles Points Calculators|
|Maximiles Credit Card Calculator|
Nectar is the largest loyalty card scheme in the United Kingdom featuring over 14 companies and 400 online retailers. They offer the ability to earn Nectar Points spending with partners as well as credit cards from American Express and Sainsbury's Bank to earn points on everyday spend.
|Nectar Points Calculators|
|Nectar AMEX Card Calculator|
|Sainsbury's Nectar Card Calculator|
Tesco offers the Tesco Credit Card for those looking to earn additional points spending in-store, online, or on fuel with Tesco. If you're part of the Clubcard Rewards program and you want to maximize your earnings, picking up this no-annual fee card is the way to go. Tesco Clubcard Points are worth 1p each when redeemed directly with Tesco or they can be worth up to 3p when redeemed with their partners.
|Tesco Clubcard Rewards|
|Tesco Clubcard Points Calculators|
|Tesco Credit Card Calculator|