Anúncios
Choosing the right credit card with rewards UK is not easy at all. It requires a very detailed analysis of the options, to avoid facing problems.
Many of the credit card with rewards UK have incredible benefits, but not all of them will be worth it, depending on where you are. Therefore, you must understand the conditions of each card, its fees and how the rewards can fit your needs.
Now, let’s analyze the most interesting credit card options with rewards UK. You will know how to do so, your rewards, rates and how to choose the best one. Keep reading.
Best credit card options with rewards UK
1. American Express Preferred Rewards Gold Credit Card
American Express Preferred Rewards Gold is ideal for beginners looking to earn miles.
In fact, you’ll earn 20,000 bonus points when you spend £3,000 in the first three months. These points can be redeemed for Avios miles or Virgin Atlantic points. As a rule, every £1 spent, earns you 1 point.
Anúncios
The annual fee is free in the first year and, from the second, it costs £195.00. Although it has a high interest rate of 88.8% APR, the main advantage is the initial bonus.
taxa de juros de 88.8% APR, a principal vantagem é o o bônus inicial.
2. Barclaycard Avios
Barclaycard Avios is thinking about air miles. With this card, you earn 1 Avios point for every £1 spent, and there’s a welcome bonus when you sign up. In addition, it is available in two versions. One is free and the “Plus” version, which costs £20 per month.
Anúncios
The APR is 29.9%, which can be high if you don’t pay off the full balance each month. The card offers up to 56 days of interest-free purchases, making it attractive for those who pay the bill quickly.
3. John Lewis Partnership Credit Card (via HSBC)
The John Lewis Partnership Credit Card is also a good way to earn points on purchases made at John Lewis and Waitrose stores.
First of all, know that you will have 1.25 points for every £1 spent in the group’s stores and 1 point for every £5 in purchases outside them.
Points can be exchanged for vouchers for future purchases at partner stores. You still won’t have to pay an annual fee.
4. HSBC Rewards Credit Card
The HSBC Rewards Credit Card offers 0.75 points for every £1 spent. These points can be exchanged for airline miles, products, store vouchers or even points for hotels.
You should definitely consider this option. Especially if you want flexibility in choosing how to use the points.
The main advantage is the diversity of options to redeem points, but the value per point is not as high as other cards.
5. American Express Nectar Credit Card
The American Express Nectar Credit Card allows you to earn 2 Nectar points for every £1 spent, and you also earn a bonus of 20,000 points when you spend £2,000 in the first three months.
These spots are used in stores such as Sainsbury’s and Argos, making it ideal for those who shop frequently at these establishments.
However, like any American Express card, acceptance can be more restricted than that of Visa or Mastercard. For those who make regular purchases at participating stores, this is an efficient card to obtain benefits.
6. Santander All in One Credit Card
The Santander All in One Credit Card offers 0.25% cashback on all qualifying purchases, with no maximum monthly limit.
The APR is 27.3% (variable), with up to 56 days of interest-free credit, as long as the balance is paid in full.
Its focus is on simplicity. Since you earn cashback on all purchases, without specific categories or limitations.
However, the cashback percentage is low compared to other cards, and the APR is relatively high.
7. Amazon Credit Card
The Amazon Credit Card, issued by NewDay, offers:
- 1.5 points for every £1 spent on Amazon;
- 0.5 points elsewhere;
- 1000 points equals £10.
Its advantage is the accelerated accumulation of points in purchases on Amazon, ideal for those who frequently buy on the platform.
8. Virgin Money Reward Credit Card
The Virgin Money Reward Credit Card offers 1.25 Virgin Red points for every £1 spent, which can be redeemed for Virgin Atlantic flights, hotels and vouchers for other companies.
The company’s focus is really on redeeming the points, which can be used for a variety of rewards.
However, the value per point is not as high as that of other cards, and the Virgin Money app and website have received mixed reviews from users.
9. American Express Rewards Credit Card
The American Express Rewards Credit Card offers 1 Membership Rewards point for every £1 spent, with a welcome bonus of 5,000 points when you spend £2,000 in the first three months.
Attention! Acceptance of American Express may be limited in some establishments, and the APR is relatively high.
10. M&S Bank Credit Card
The M&S Bank Credit Card offers 1 M&S point for every £1 spent, which can be redeemed for M&S purchase vouchers.
Its highlight is the accumulation of points for purchases at M&S, ideal for frequent customers of the store.
However, the value per point is low, and the bank’s app has received mixed reviews from users. It is ideal for those who make regular purchases at M&S, but it is important to pay the full balance monthly to avoid high interest rates.
Conclusion
Choosing the best credit card with rewards UK depends on your consumption profile and the benefits you value most.
So, if you are a frequent traveler, for example, options such as Barclaycard Avios and American Express Preferred Rewards Gold can be perfect for accumulating miles and taking advantage of flight offers.
If you prefer cashback rewards or points that can be redeemed for products in stores, the John Lewis Partnership Credit Card and the HSBC Rewards Credit Card are great alternatives.
Also keep in mind that in order to maximize the advantages of any rewards card, you must pay the full balance on a monthly basis.
Checking the acceptance of the card in different establishments can avoid frustration, especially if you opt for an American Express card, which still has a more limited acceptance than other brands.
Now, if you have bad credit, the best option is to know the main credit card alternatives for bad credit UKv, there are even options to earn miles.