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.

39 results for this selection displayed over 4 pages.

Moneywise Best Buys

  • 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
    • 0% Balance transfer fee: 3 %
    • 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.


  • Credit Card

    Maximiles
    No information
    about cash equivalent per annum
    17.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 9 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.9% (variable) annual.
  • Credit Card

    Nectar
    No information
    about cash equivalent per annum
    28.2 %
    Representative APR
    • No 0% money transfer offer
    • No 0% balance transfer offer
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 28.2% APR variable. Based on assumed borrowing of £1200. Rate of interest 22.9% (variable) annual.
  • Credit Card

    Outfit
    No information
    about cash equivalent per annum
    29.9 %
    Representative APR
    • No 0% money transfer offer
    • No 0% balance transfer offer
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 29.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 29.9% (variable) annual.
  • Nectar Balance Transfer Credit Card (33 Mths)

    Sainsbury's Bank
    No information
    about cash equivalent per annum
    18.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 33 months
    • 0% Balance transfer fee: 1.5 %
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
  • Nectar Balance Transfer Credit Card (35 M) S Excl

    Sainsbury's Bank
    No information
    about cash equivalent per annum
    18.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 35 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
  • Nectar Balance Transfer Credit Card (37 Mths)

    Sainsbury's Bank
    No information
    about cash equivalent per annum
    18.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 37 months
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
  • Nectar Dual Offer Credit Card

    Sainsbury's Bank
    No information
    about cash equivalent per annum
    18.9 %
    Representative APR
    • No 0% money transfer offer
    • 0% Balance transfer period: 30 months
    • 0% Balance transfer fee: 3 %
    • Annual fee: £ 0
    • Eligibility check before application:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
  • Preferred Guest Credit Card

    Starwood
    No information
    about cash equivalent per annum
    36.2 %
    Representative APR
    • No 0% money transfer offer
    • No 0% balance transfer offer
    • Annual fee: £ 75
    • Eligibility check before application:
    Representative 36.2% APR variable. Based on £75 annual fee, assumed borrowing of £1200. Rate of interest 19.9% (variable) annual.
  • Clubcard Credit Card (20 Mths Purchase) Semi-Excl

    Tesco Bank
    No information
    about cash equivalent per annum
    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:
    Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
  • Clubcard Credit Card (Balance Transfer)

    Tesco Bank
    No information
    about cash equivalent per annum
    18.9 %
    Representative APR
    • 0% Money transfer period: 39 months
    • 0% Balance transfer period: 39 months
    • 0% Money transfer fee: 3.94 %
    • 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