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Compare Rewards Credit Cards
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The Which? difference

Which? Money Compare displays all available credit card deals from providers large and small, whether we get paid commission or not. It makes no difference to how the credit cards appear in our tables, meaning you’ll always be able to stay in control and find the best deals for you, not us.

What are Which? Recommended Providers?

These are the companies that combine competitive deals with excellent customer service, and have been awarded Which?'s coveted Recommended Provider status.

Benefits
Earn loyalty points and discounts to use on new spending with retailers.
Pitfalls
If you don't pay off your balance in full each month interest charges could cancel out the rewards you earn and some rewards expire if you don't use them.

Terms Explained 

Represent­ative APR (variable)

The interest rate for borrowing that at least 51% of the customers accepted will pay.

Which? Customer Score

Which?'s rating for customer satisfaction, based on feedback from thousands of real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand to a friend.

Minimum income required to open account

The minimum annual income you need to have to take out the credit card.

Purchase interest p.a.

The annual interest rate you'll pay on new purchases after the interest-free deal ends.

Reward for spending in-store

What you earn as a percentage of your spending with the card-issuing retailer. For tiered cash back, the percentage is based on spending £500 a month.

Reward for spending elsewhere

What you earn as a percentage of your spending with other retailers. For tiered cash back, the percentage is based on spending £500 a month.

Annual card fee

The fee you'll pay for having the card each year, if any.

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