Reward schemes

Many people favour credit cards that offer reward or loyalty schemes.

Double up your rewards

Loyalty or reward schemes, offering things such as AirMiles or points are gaining in popularity. Research suggests that these are one of the main factors - after interest rates - that we consider when deciding which card to have. What's more, you can 'double up' by using a store loyalty card - such as a Tesco Clubcard, Nectar Card or Boots Advantage Card - alongside a loyalty credit card.

Good value or just a fad?

These cards can offer good value and many have decent 0% introductory deals as well as reward schemes. However, it can be difficult to assess just how much the schemes are actually worth. And, of course, resist the temptation to spend more than you do, purely to rack up extra reward points!

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