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The Best Rewards Credit Cards

Updated: 6th December, 2018.

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We’ve vetted some of the most popular credit cards on the market to bring you our shortlist of the best credit cards for racking up rewards. These cards can be great for those that want their spending rewarded with points that can be spent on everything for everyday necessities to fun gifts.


Our top rewards picks at a glance:


M&S Credit Card Shopping Plus

Good for: Points and 0% interest on purchases

Our Rating:

StarStarStarStarEmpty Star

4.0 stars


Features
  • 1 point for every £1 spent at M&S, 1 point for every £5 spent elsewhere
  • 500 M&S points (£5 value) sent with new card
  • 0% APR on purchases for the first 25 months


Our Bottom Line

The M&S Credit Card Shopping Plus has a lot to offer shoppers, especially if you are a regular M&S shopper. You’ll accumulate M&S points by shopping with the card, 1 for every £1 spent at M&S and 1 for every £5 spent elsewhere. There’s a small welcome bonus, and new cardholders get an impressive 25 months of 0% APR on purchases. There’s even a balance transfer offer (though with a fee on transfers).

Full M&S Credit Card Shopping Plus review coming soon!

Representative APR (variable):

19.90%

Rewards yield:

0.26%


Asda Cashback Credit Card

Good for: Racking up points at Asda and elsewhere

Our Rating:

StarStarStarStarEmpty Star

3.7 stars


Features
  • 0.2% cashback vouchers for Asda on all purchases
  • 1% cashback vouchers for Asda for spending at Asda and George.com
  • 0% on balance transfers for 12 months (3% balance transfer fee)
  • 0% APR for 6 months on purchases of £200 at George.com


Our Bottom Line

The Asda Cashback Credit Card is an interesting card that sets itself apart from the competition. It’s important to note that the “cashback” is not true cash, but rather cashback vouchers to Asda. Plus, while you get 0.2% “cashback” for all of your shopping, you’ll get 1% for shopping at Asda and online affiliates (like George.com). Tack on a balance transfer option (albeit with a balance-transfer fee) and six months of 0% APR for large purchases at George.com and this is a compelling card to consider.

Full Asda Cashback Credit Card review coming soon!

Representative APR (variable):

19.90%

Cashback yield:

0.36%


Sainsbury’s Dual Offer Credit Card

Good for: Points and 0% interest on purchases

Our Rating:

StarStarStarStarEmpty Star

3.7 stars


Features
  • Up to 7,500 bonus Nectar points over first 2 months
  • 2 Nectar points for every £1 you spent at Sainsbury’s and 1 point for every £5 spent everywhere else
  • 0% interest on purchases made over the first 29 months
  • 0% interest on balance transfers for 29 months (a 3% fee applies)


Our Bottom Line

The Sainsbury’s Dual Offer Credit Card can be a pretty great all-around card. As a rewards card, you get 1 Nectar point for every £5 you spend on the card, and 2 points for every £1 spent at Sainsbury’s. There’s a welcome bonus worth up to £37.50 that can be earned by shopping at Sainsbury’s in the first two months. In addition, you get a long (29 months!) 0% APR period for purchases and balance transfers. Though note it does charge a 3% balance-transfer fee.

Full Sainsbury’s Dual Offer Credit Card review

Representative APR (variable):

19.90%

Cashback yield:

0.28%


Tesco Bank Purchases Credit Card

Good for: Points and 0% interest on purchases

Our Rating:

StarStarEmpty StarEmpty StarEmpty Star

2.3 stars


Features
  • 1 Clubcard point for every £4 spent at Tesco and 1 point for every £8 spent elsewhere
  • 0% APR on purchases for 28 months
  • 0% on balance transfers for the first 3 months (2.9% transfer fee applies)


Our Bottom Line

The Tesco Bank Purchases Credit Card admittedly isn’t the most generous rewards card. But this is a nice combination of racking up points while also getting a long, 28-month 0% APR period on purchases. Plus, with 1 Clubcard point for every £4 spent at Tesco (versus 1 point per £8 spent elsewhere), if you’re a heavy Tesco shopper, you stand to rack up more points.

Full Tesco Bank Purchases Credit Card review coming soon!

Representative APR (variable):

19.90%

Cashback yield:

0.14%


NatWest Reward Credit Card

Good for: Racking up points

Our Rating:

StarStarEmpty StarEmpty StarEmpty Star

1.7 stars


Features
  • 1% rewards for spending at supermarkets, 0.5% for spending everywhere else
  • Special offers of 1%-15% rewards for some MyRewards retailers
  • The annual fee is refunded if you have a Rewards current account


Our Bottom Line

Don’t skip over the NatWest Reward Credit Card! Our rating is low on this card for good reasons — it doesn’t offer a welcome bonus, it doesn’t have a 0% purchase offer, there’s an annual fee, and the APR is higher than competitors. Ouch. However, the yield on rewards points is better than most competitors, and you’re not as limited as store-brand cards. Plus, that annual fee is reimbursed if you have a Rewards current account.

Full NatWest Reward Credit Card review

Representative APR (variable):

23.70%

Cashback yield:

0.58%


RBS Reward Credit Card

Good for: Racking up points

Our Rating:

StarStarEmpty StarEmpty StarEmpty Star

1.7 stars


Features
  • 1% rewards for spending at supermarkets, 0.5% for spending everywhere else
  • Special offers of 1%-15% rewards for some MyRewards retailers
  • The annual fee is refunded if you have a Rewards current account


Our Bottom Line

Don’t skip over the RBS Rewards Credit Card! Like the NatWest Rewards card, our rating is low on this card for good reasons. But also simliar to the NatWest card, the rewards yield for the RBS Rewards card is better than most rewards cards, and you’re not as limited as store-brand cards. And again, that annual fee is reimbursed if you have a Rewards current account.

Full RBS Reward Credit Card review coming soon!

Representative APR (variable):

23.70%

Cashback yield:

0.58%

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The Motley Fool receives compensation from some advertisers who provide products and services that may be covered by our editorial team. It’s one way we make money. But know that our editorial integrity and transparency matters most and our ratings aren’t influenced by compensation. The statements above are The Motley Fool’s alone and have not been provided or endorsed by bank advertisers. The Motley Fool has recommended shares in Lloyds, Tesco and Barclays.