Credit Cards - Rewards

Best Buys are updated weekly

We look across as much of the market as possible to find the best deals using industry data from Defaqto.

All our picks are nationally available - online, by post or by phone. We try and pick products that are available to both new and existing customers, but we’ll highlight some offers for existing customers if they’re much better than what else is on offer.

Our top picks are based on you spending £6,000 a year on the card, equivalent to £500 per month. Only cards from mainstream providers will be considered.

We reserve the right to use our discretion at all times.

38 results for this selection displayed over 4 pages.

Moneywise Best Buys

  • Debenhams Credit Card

    Debenhams
    No information
    about cash equivalent per annum
    24.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 12 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Rewards as you spend with Debenhams and elsewhere
    Regular Debenhams shoppers get most benefit
    Representative 24.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 24.94% (variable) annual.
  • M&S Bank Reward Plus Credit Card

    M&S Bank
    £ 120 cash equivalent p.a.
    on £ 500 monthly spend with retailer
    18.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 6 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Earn vouchers as you spend at M&S
    No annual fee
    Regular M&S shoppers get most benefit
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • Tesco Bank Clubcard Credit Card

    Tesco Bank
    £ 75 cash equivalent p.a.
    on £ 500 monthly spend with retailer
    18.9 %
    Representative APR
    • 0% Money transfer period: 3 months
    • 0% Balance transfer period: 3 months
    • 0% Money transfer fee: 3.94 %
    • Annual fee: £ 0
    • Eligibility check before application:
    Earn Tesco Clubcard points as you spend
    Long 0% purchase period
    Deal is less attractive if you don't shop at Tesco
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • John Lewis Partnership Card

    John Lewis
    £ 60 cash equivalent p.a.
    on £ 500 monthly spend with retailer
    18.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 18 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Earn vouchers as you spend at John Lewis and Waitrose
    Holders get vouchers, rather than cashback
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • Sainsbury's Bank Nectar Purchase Credit Card

    Sainsbury's Bank
    £ 60 cash equivalent p.a.
    on £ 500 monthly spend with retailer
    18.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 3 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Long 0% purchase period
    Earn Nectar points as you spend
    Less useful for non-Sainsbury's shoppers
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
  • Amazon Platinum Credit Card

    Amazon
    £ 45 cash equivalent p.a.
    on £ 500 monthly spend with retailer
    21.9 %
    Representative APR
    • No 0% money transfer offer
    • No 0% balance transfer offer
    • Annual fee: £ 0
    • Eligibility check before application:
    Rewards as you spend with Amazon and elsewhere
    No annual fee
    Regular Amazon shoppers get most benefit
    Reward is Amazon gift card only
    Representative 21.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 21.94% (variable) annual.

Best Buys are carefully selected by Moneywise
considering a range of features not just interest rates.


  • Premier Credit Card

    HSBC
    No information
    about cash equivalent per annum
    18.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 18 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • Premier World Elite Credit Card

    HSBC
    No information
    about cash equivalent per annum
    59.3 %
    Representative APR
    • No 0% money transfer offer
    • No 0% balance transfer offer
    • Annual fee: £ 195
    • Eligibility check before application:
    Representative 59.3% APR variable. Based on £195 annual fee, assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • Credit Card

    IHG Rewards Club
    No information
    about cash equivalent per annum
    18.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 12 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • Premium Credit Card

    IHG Rewards Club
    No information
    about cash equivalent per annum
    41.5 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 12 months
    • Annual fee: £ 99
    • Eligibility check before application:
    Representative 41.5% APR variable. Based on £99 annual fee, assumed borrowing of £1200. Rate of interest 19.9% (variable) annual.
  • Credit Card

    Laura Ashley
    No information
    about cash equivalent per annum
    21.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 12 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 21.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 21.94% (variable) annual.
  • Reward Plus Credit Card Ex/C

    M&S Bank
    No information
    about cash equivalent per annum
    18.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 6 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • Shopping Plus Credit Card

    M&S Bank
    No information
    about cash equivalent per annum
    18.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 25 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • Shopping Plus Credit Card Ex/C

    M&S Bank
    No information
    about cash equivalent per annum
    18.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 25 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • Transfer Plus Credit Card

    M&S Bank
    No information
    about cash equivalent per annum
    18.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 32 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • Transfer Plus Credit Card Ex/C

    M&S Bank
    No information
    about cash equivalent per annum
    18.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 32 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.

Data provided by Defaqto