We've found the best Credit Cards

  • We’ve reviewed the whole market so you don’t have to
  • Our impartial service shows you the best products in the market, even if we don’t earn commission
  • We look at the best rates and rewards, as well as customer scores
  • Looking for something different? You can browse the whole market here
  • If you think you’ve found a better card, get in touch
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Saga Platinum Credit Card - Best for travel
  • 0% Foreign Currency Fees
  • 0% Interest on Purchases and Balance Transfers for the first 9 months
  • Representative 11.9% APR Variable

 

 

11.9% APR representative (variable) based on a credit limit of £1,200. Purchase rate 11.29% p.a. (variable)

M&S Credit Card

  • £45*Cash Equivalent
  • £0Annual Fee
  • 18.9%APR
Am I eligible?
Minimum Age:18
Minimum Income:-
Credit Rating:Prime
Existing Customer:No
Additional account required:No
Representative ExampleBased on a credit limit of £1200 charged at 18.9% variable p a for purchases. Representative 18.9% APR variable.
*Rewards ScenarioCash equivalent is based on the amount of points you get by spending £6,000 p.a. / £500 monthly (£250 with retailer and £250 elsewhere) 1 point = £0.01. 1 point per £1 spent at M&S and 1 point per £2 spent elsewhere
  • Interest free purchases for 19 months and on balance transfers for 15 months with this card
  • Exclusive rates and no cash advance fee when you buy M&S Travel Money with your M&S Credit card
  • There are better value cards if you're thinking of using it to make purchases outside the UK

Tesco Bank Clubcard

  • £45*Cash Equivalent
  • £0Annual Fee
  • 18.9%APR
Am I eligible?
Minimum Age:18
Minimum Income:£5,000
Credit Rating:Prime
Existing Customer:No
Additional account required:No
Representative Example18.9% APR representative (variable) based on a credit limit of £1,200. Purchase rate 18.9% p.a. (variable)
*Rewards ScenarioCash equivalent is based on the amount of points you get by spending £6,000 p.a. / £500 monthly (£250 with retailer and £250 elsewhere) 1 point = £0.01. Assuming card used in conjunction with Tesco Clubcard - 5 points per £4 spent in store and 1 point per £8 spent elsewhere
  • Option to boost your reward points by between 2 and 4 times face value to spend on eating out, travel offers and more via Tesco Clubcard Boost
  • Option of 0% on purchases for 19 months or 0% on balance transfers for 34 months
  • Deal is less attractive if you don't have a Tesco Clubcard

 

What is a reward credit card?

 

Every time you purchase something with a reward credit card you receive points that can later be redeemed against services and goods. Points can be exchanged for many things, depending on the provider; for example, you can get discounts on in-store purchases, flights, restaurants, gift cards etc.

 

How do we rank them?

 

We have ranked reward credit cards based on the annual reward (cash equivalent) you get for spending £250 a month. The key with rewards credit cards is that the more you spend at the card provider’s own retail outlets/website, the greater the reward. For the purpose of this table we've assumed a 50% spend with the card provider and 50% spend elsewhere.

 

Moneywise Best Buys

 

It can be really difficult to choose the right product. However, we have conducted our own rigorous research and carefully selected the best deals out there. Unlike our competitors, we do not get paid to show you products from certain companies (only our featured product box is paid for by an advertiser). Instead, we have independently chosen the products we feel are the best in the market. Only if you decide to apply for a product using the “Go to site” button will Moneywise receive a small payment from the product provider, but this does not influence the way we rank products – our aim is quite simply to present you with the best products.