Great for: Attractive rewards with no annual fee
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?
Read full review >- Poor/No credit
- 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: Collecting Nectar points for everyday spend
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
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
-
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 hotel reward points
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
-
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: Collecting Avios on everyday spend
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 rewards on a charge card
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
Great for: Earning rewards on Amazon spend
The Amazon Platinum Credit Card will have most appeal for frequent Amazon shoppers, as spend on Amazon accrues rewards much faster (1.5 points per £2) than spend elsewhere (0.5 points per £2). Eligible Prime members will get even more for their Amazon spend (3 points per £2). No annual fee and a £20 Amazon gift card for new cardmembers make this an offer worth considering.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 1.5 Amazon points per £2 spent on Amazon and 0.5 points per £2 spent elsewhere
- £20 Amazon gift card for new cardmembers
- 0% interest on purchases for first 3 months
-
ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
21.9% -
INTRO OFFER:
£20 Amazon gift card for new cardholders
0% interest on purchases for 3 months
KEY SCORES:
- 4/5 Perks
- 5/5Fees
- 3.5/5APR
Great for: Collecting rewards
The Virgin Atlantic Reward Credit Card provides the opportunity to earn and spend rewards through Virgin Atlantic as well as a variety of the company’s partners. Cardholders get 0.75 Virgin Points for every £1 spent on the card. The card’s balance transfer and money transfer offer help to differentiate it from rivals (though note the 3% transfer fee).
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 0.75 Virgin Points for every £1 spent on the card
- 0% interest for 6 months on balance and money transfers (3% fee applies)
-
ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
22.9% -
INTRO OFFER:
5,000 Flying Club miles with one purchase within 90 days
6 months 0% interest on balance and money transfers
KEY SCORES:
- 5/5 Perks
- 4/5Fees
- 3/5APR