Great for: Attractive rewards with no annual fee
On American Express's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
The American Express Rewards Credit Card gives you access to a popular reward scheme and leaves out the price tag. With no annual fee, you can immediately start feeling the benefit of one Membership Rewards point for every £1 you spend. The real selling point is for new cardmembers, who, if eligible, could earn themselves a windfall of 5,000 bonus points if they spend £2,000 in the first three months. And did we mention no annual fee?
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- Fair/Average
- Good/Excellent
what we like
- 1 Membership Rewards Point per £1 spent
- 5,000 bonus Membership Rewards Points when you spend £2,000 in first three months (subject to eligibility)
- No annual fee
-
ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
22.2% -
INTRO OFFER:
5,000 Membership points if you spend £2,000 in the first three months (subject to eligibility)
KEY SCORES:
- 4.5/5 Perks
- 4.5/5Fees
- 3.5/5APR
Great for: Long 0% purchase and balance transfer, plus points
On M&S Bank's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
The M&S Shopping Plus credit card ticks a lot of the boxes to make a great credit card. For starters, there’s a long 20-month 0% period on new purchases. But you can add to that a 18-month, 0% period for balance transfers made in the first 90 days and the M&S points programme. It is worth noting that there’s a 2.9% fee on balance transfers.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 0% interest on purchases for the first 20 months
- 0% interest for 18 months on balance transfers made in the first 90 days (2.9% fee applies)
- Earn M&S points for shopping at M&S and elsewhere
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
21.9% -
INTRO OFFER:
0% interest on purchases for 20 months
0% interest on balance transfers for 18 months
KEY SCORES:
- 4/5 Perks
- 5/5Fees
- 4/5APR
Great for: Collecting Nectar points for everyday spend
On American Express's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
Building up your Nectar point balance is this card’s defining feature. Cardholders can earn 2 points for every £1 spent (except at warehouse retailers), and a minimum of 3 points per £1 spent at Nectar partners when using the credit card and the loyalty card. Add to that a welcome bonus of 20,000 points for eligible new cardholders that spend £2,000 in the first three months, and Nectar scheme users are looking at a decent payout. The card does have a £25 annual fee, but this is waived for the first year of membership.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 2 Nectar points for (almost) every £1 spent
- 3 Nectar points per £1 at Nectar partners when using your loyalty card, 1 point per £1 at warehouse retailers
- 20,000 bonus Nectar points when you spend £2,000 in first three months (subject to eligibility)
-
ANNUAL FEE:
£25 (£0 in first year) -
REPRESENTATIVE APR:
27.3% -
INTRO OFFER:
20,000 Nectar points when you spend £2,000 in first 3 months (subject to eligibility)
KEY SCORES:
- 3/5 Perks
- 4/5Fees
- 3.5/5APR
Great for: High-end credit card experience
On American Express's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
This card offers a high-end package in the form of a lucrative rewards programme and travel benefits suited to those who enjoy travel and adventure. However, with the comparatively high price of £140 in the form of an annual fee, you should expect a card with all the trimmings.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 1 Membership Rewards Point per £1 spent
- 20,000 bonus Membership Rewards Points when you spend £3,000 in first three months (terms apply)
- Airport lounge access (2 complimentary visits / year) through Priority Pass™ programme
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ANNUAL FEE:
£140 (£0 in your first year) -
REPRESENTATIVE APR:
56.6% -
INTRO OFFER:
20,000 bonus Membership Rewards Points (after spending £3,000 in first 3 months, terms apply),
£0 annual fee in your first year
KEY SCORES:
- 3.5/5 Perks
- 3/5Fees
- 3.5/5APR
Great for: Collecting Avios on everyday spend
On American Express's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
This card is all about the Avios. If you are a new cardmember, then you can earn 5,000 Avios if you spend £1,000 in the first three months. Everyday spending will see you earn 1 Avios for every £1 spent, and there is also a friend referral scheme which offers 4,000 bonus Avios for each friend who is approved (up to 90,000 a year). All of these can then be redeemed as full or part payment against flights, or for flight upgrades. You can also get a Companion Voucher when you spend £20,000 on the card each year. And did I mention there is no annual fee?
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 1 Avios per £1 spent
- 5,000 bonus Avios when you spend £1,000 in first three months (subject to eligibility)
- No annual fee
-
ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
22.2% -
INTRO OFFER:
5,000 Avios points if you spend £1,000 in the first three months (subject to eligibility)
KEY SCORES:
- 4/5 Perks
- 3/5Fees
- 2/5APR
Great for: Collecting hotel reward points
On American Express's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
With this card you can earn points when you spend, which will in turn unlock free hotel stays and a host of other travel offers. If you use your card at any properties participating in Bonvoy, you will receive 6 points for every £1. If you use the card elsewhere its 2 points for every £1 spent. Add in a welcome offer of 20,000 bonus points when you spend £3,000 in the first three months (subject to eligibility) and the ability to upgrade the Elite status of your card if you meet the requirements, and you have an attractive package for a frequent traveller looking for a high-end credit card. Just be aware that the card does carry a £75 annual fee.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- Welcome offer of 20,000 points based on spending £3,000 in first three months
- 2 reward points for every full £1 spent
- Automatic upgrade to Gold Elite Status after £15,000 in spend during the year
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ANNUAL FEE:
£75 -
REPRESENTATIVE APR:
38.8% -
INTRO OFFER:
Welcome award of 20,000 bonus points based on spending £3,000 in the first 3 months (subject to eligibility)
KEY SCORES:
- 5/5 Perks
- 1/5Fees
- 2/5APR
Great for: Big points at M&S plus sign-up bonus
On M&S Bank's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
For M&S shoppers, the M&S Reward Plus card may look like an outstanding option. Over the first year, users get 2 M&S points for every £1 spent at M&S, along with 1 point for every £5 spent elsewhere. You get a nice boost from the beginning too, as M&S will send you a 500-point voucher with the card.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- Double M&S points for M&S shopping in first year (2 points per £1 spent)
- 1 M&S point for every £5 spent elsewhere
- 0% interest for 6 months on purchases and balance transfers made in the first 90 days
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ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
19.9% -
INTRO OFFER:
Double points at M&S for first year
KEY SCORES:
- 3/5 Perks
- 5/5Fees
- 4/5APR
Great for: Travellers looking for high rewards rates
On American Express's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
This card incorporates the popular Avios reward scheme, which enables cardmembers to earn points that they can use towards flights, flight upgrades or hotel rooms. With a welcome bonus of 25,000 points when you spend £3,000 in the first three months (subject to eligibility), you are looking at an attractive offer. You just need to get comfortable with the £195 annual fee attached to the card.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 1.5 Avios per £1 spent
- 25,000 bonus Avios when you spend £3,000 in first three months (subject to eligibility)
- Get a companion voucher when you spend £10,000 each year
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ANNUAL FEE:
£195 -
REPRESENTATIVE APR:
74.7% -
INTRO OFFER:
25,000 bonus Avios points with spend of £3,000 in your first three months (subject to eligibility).
KEY SCORES:
- 5/5 Perks
- 1/5Fees
- 1/5APR
Great for: Collecting rewards on a charge card
On American Express's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
This card is an American Express classic. The Green Card allows you to earn rewards from the American Express Membership Rewards scheme as well as benefit from travel insurance and purchase protection features (subject to enrolment) without having to worry about accruing debt and interest charges. That’s because this is a charge card, not a credit card, so whatever you spend during the month will need to be repaid in full. The card does, however, carry a £60 annual fee.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 1 Membership Rewards point for each £1 spent
- Refund and purchase protection (subject to enrolment)
- Travel inconvenience and travel accident insurance (subject to enrolment)
-
ANNUAL FEE:
£60 -
REPRESENTATIVE APR:
N/A -
INTRO OFFER:
N/A
KEY SCORES:
- 3/5 Perks
- 1/5Fees
- N/AAPR
Great for: Rewards, balance transfers and 0% purchases
The John Lewis Partnership Credit Card is an appealing rewards card for consumers who shop regularly at John Lewis or Waitrose. Cardholders get 5 points for every £4 in spend at John Lewis and Waitrose and 1 point for every £4 spent elsewhere. It also has an 18-month balance transfer offer and a 9-month 0% introductory interest rate on new purchases, and you get all of this without having to dole out an annual fee.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 5 points for every £4 spent at John Lewis and Waitrose, 1 point for every £4 spent elsewhere
- 0% interest for 18 months on balance transfers
- 0% interest for 9 months on purchases
-
ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
18.9% -
INTRO OFFER:
18 months 0% on balance transfers
9 months 0% on purchases
KEY SCORES:
- 4/5 Perks
- 4/5Fees
- 4.5/5APR