In a race to grab your loyalty, card companies fiercely compete with each other to offer a range of perks and rewards which are aimed at luring you into buying on their cards. Savvy card users can earn free flights, shopping vouchers or cashback.
One of the most popular credit card rewards is the airmiles scheme which generates reward points whenever you spend on your card. The air miles can then be exchanged for free flights. So, if you're a big spender and travel abroad frequently, this could be a great way to kill two birds with one stone. You could even earn miles as you fly by paying for your flights using your credit card.
Points or rewards schemes are definitely worth considering if you pay off your bill every month and dodge the interest charges. However, as with all schemes, in order to reap any substantial rewards you need to spend a fairly large amount on your credit card. It's probably wise to avoid these cards if you carry across a balance each month as the interest charge you will incur will outweigh any loyalty benefits.
A selection of the best credit card rewards are detailed below.| Credit Card | Intro Rate For Balance Transfers |
Intro Rate For Purchases |
Representative APR (variable) |
Representative Example | |
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 Capital One ClickCapital One,
Trent House, Station Street, Nottingham, NG2 3HX |
9.9% (Fee: no fee) |
9.9% | 9.9% |
Representative Example 9.9% APR representative variable 9.94% p.a. variable on purchases £1,200 credit limit |
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If you love shopping online, the Click Card is designed for you
Suitable for applicants with a very good credit rating and an annual income of over £20,000
Rewards: This card gives you access to exclusive brand discounts when you use it to shop online. New deals and retailers are added every quarter which are valid for a 3 month period
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 Virgin |
0% for 20 months (Fee: 2.99%) |
0% for 3 months | 16.8% |
Representative Example 16.8% representative APR variable 16.8% p.a.variable on purchase £1,200 credit limit |
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Rewards: Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more
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 Play.comMBNA Europe Bank Limited
Stansfield House, Chester Business Park, Wrexham Road, Chester, CH4 9QQ |
0% for 6 months (Fee: 1.5% - min £3) |
0% for 9 months | 16.9% |
Representative Example 16.9% APR representative variable 16.9% p.a.variable on purchase £1,200 credit limit |
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Receive 1,500 bonus Play Points if you spend £150 on your card within the first 90 days
Suitable for homeowners with a good credit history, aged at least 23 and in full time employment
Rewards: Collect Play Points and redeem them for Play.com gift vouchers. Earn 2 points for every £1 you spend at Play.com and 1 point for every £1 you spend elsewhere
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 AA Credit Card |
0% for 12 months (Fee: 3% - min £3) |
0% for 10 months | 16.9% |
Representative Example 16.9% representative APR variable 16.9% p.a.variable on purchase £1,200 credit limit |
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Collect AA Rewards Points and exchange them for a range of motoring products and services
Rewards: Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
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 RBS YourPoints World |
0% for 13 months (Fee: 2.9% - min £5) |
0% for 13 months | 17.9% |
Representative Example Representative 17.9% APR (variable) based on an assumed credit limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable). |
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Introductory 2,500 bonus points to all new customers
Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
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 AA Balance Transfer |
0% for 16 months (Fee: 2.9%) |
0% for 3 months | 17.9% |
Representative Example 17.9% representative APR variable 17.9% p.a.variable on purchase £1,200 credit limit |
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Earn AA Rewards Points on all purchases plus double points on fuel and motoring spend
Rewards: Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
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 NatWest YourPoints World |
0% for 13 months (Fee: 2.9% - min £5) |
0% for 13 months | 17.9% |
Representative Example Representative 17.9% APR (variable) based on an assumed credit limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable). |
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Introductory 2,500 bonus points to all new customers
Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
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 British Airways American Express |
- | 19.9% | 19.9% |
Representative Example 19.9% representative APR variable 19.9% p.a.variable on purchase £1,200 credit limit |
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Get 9,000 bonus Avios when you spend £1,000 on your card within the first 3 months
Rewards: Earn 1 Avios for virtually every £1 you spend
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