Which Credit Cards Offer The Best Rewards In The UK

In this day and age, it's easier than ever to make the most of every penny you spend. After all, you cannot absolutely avoid spending. But you can ensure you'll get a little something back every time you make a transaction using a credit card, whether it's rewards points, cashback or perks and discounts.

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The best way to achieve this is to get a rewards credit card. The offers available in the UK usually allow you to earn points, which you can redeem for valuable perks, such as flights, accommodation, shopping discounts, cinema tickets, dining vouchers and more.

However, keep in mind that not all cards are created equal. This is why you want to ensure you have a credit card that offers the best rewards, without it costing you an arm and a leg. Here we discuss some of the best Rewards credit cards options in the UK. Read on to learn how you can get your hands on them!

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UK Best Rewards Cards

The Best Rewards Cards in the UK

Sainsbury’s Purchase Offer Credit Card

This credit card from Sainsbury’s Bank is designed to maximize the rewards of every pound spent. When you sign up for this card, you are entitled to earn up to 7,500 Nectar points within your first two months. This is because the bank lets you earn 750 points for every £35 or more spent on Sainsbury’s shopping using the card. You can do this up to 10 times during the first two times.

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After the first two months, you can still earn points for every transaction. You will get 2 points for every £1 on Sainsbury’s shopping and fuel. You can also get 1 point for every £5 spent anywhere else.

The credit card comes with no annual fee and a 0% interest rate on purchases for up to 20 months. After this period the variable representative APR is 20.9%.

Applications for this credit card can be made on the Sainsbury's Bank website.

American Express Platinum Cashback Everyday Credit Card

The American Express Platinum Cashback Everyday credit card offers valuable cashback whenever you use it to make transactions. For the first three months upon account approval, you will get 5% cashback for purchases up to £100. Then, you can also earn more after the promo period.

The best thing is that there is no limit as to how much you can earn annually. So, you can earn 0.5% cashback on every £0 to £5,000 spent. A 1% cashback is also applicable for spends over £5,000.

The credit card comes with no annual fee and a variable representative APR is 22.9% for an assumed credit limit of £1,200.

Applications for this credit card can be made on the American Express website.

M&S Credit Card Shopping Plus Offer

For those who are fond of shopping, the M&S Shopping Plus credit card may be the one for you. This card allows you to earn M&S Points whenever you shop anywhere in the world.

It offers 1 point for every £1 you spend in M&S shops and 1 point for every £5 spent elsewhere.

The credit card comes with a 0% interest rate on purchases for up to 20 months. After this period the variable representative APR is 19.9% with a 55-day interest-free period.

Applications for this credit card can be made on the M&S Bank website.

British Airways American Express Premium Plus Credit Card

For frequent travellers, this collaboration of British Airways and American Express may be your best bet. You can receive 25,000 Avios points when you spend £3,000 within your first three months. Aside from the welcome offer, you can also earn 1.5 points for every £1 spent and by referring friends.

You can redeem these points at Avios, which makes travel-related rewards available for you. This includes return flights from London to great locations in Europe, flight upgrades and hotel rooms. Discounts are also part of the program.

The credit card comes with a variable representative APR of 76.0% and a purchase rate of 22.9% for an assumed credit limit of £1,200.

Applications for this credit card can be made on the American Express website.

Some Reminders

If you are interested in applying for any of these cards, keep in mind that these financial institutions have eligibility criteria. These often include age, residence, income and credit score. Because of this, you need to have documents ready such as proof of identity, residence, and income. It would help if you prepare your latest payslips and recent bank statements.

You should also remember that there are fees and charges that come with these cards such as interest rates, late penalty fees, and annual fees.

Finding the best rewards cards in the UK should not be a difficult quest. With the credit cards in this list, you can rest assured that you will maximize the points you earn every time you spend.

Disclaimer

There are risks involved when applying for and using a credit card. Please see the banks' Terms and Conditions pages to know more.

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