Which? uses cookies to improve our sites and by continuing you agree to our cookies policy.

Compare rewards credit cards

We have found 38 out of 153 credit cards that reward you with retailer points and discounts.

Earn rewards in the form of points and discounts to use when spending with retailers.

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.
3.0% 0.5% 24.9% APR £0 51%Very poor

Debenhams MasterCard

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.94% (variable), representative 24.9% APR (variable). Credit available subject to status.

House of Fraser Recognition MasterCard

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.94% (variable), representative 24.9% APR (variable). Credit available subject to status.
2.0% 1.0% 28.2% APR £25 72%Good

Nectar Credit Card from American Express

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), with a £25 annual fee, representative 28.2% APR (variable). Credit available subject to status.

Dorothy Perkins MasterCard

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.9% (variable), representative 29.9% APR (variable). Credit available subject to status.

Evans MasterCard

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.9% (variable), representative 29.9% APR (variable). Credit available subject to status.

Laura Ashley Classic Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.94% (variable), representative 21.9% APR (variable). Credit available subject to status.

Outfit MasterCard

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.9% (variable), representative 29.9% APR (variable). Credit available subject to status.

Wallis MasterCard

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.9% (variable), representative 29.9% APR (variable). Credit available subject to status.
1.0% 0.5% 18.9% APR £0 80%Excellent

John Lewis and Waitrose Partnership Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
1.0% 0.2% 18.9% APR £0 69%Good

M&S Reward Plus Offer

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
1.0% 0.2% 18.9% APR £0 69%Good

M&S Shopping Plus Offer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
1.0% 0.25% 56.5% APR £150 69%Good

Tesco Bank Premium Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
  2. This credit card has a high annual fee of more than £25, making it more expensive to use overall than others with the same APR.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), with a £150 annual fee, representative 56.5% APR (variable). Credit available subject to status.
1.0% 0.1% 18.9% APR £0 66%Fair

Sainsbury's Bank 33 Month Balance Transfer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.91% so the overall fee is 0.59%. 3% balance transfer fee afterwards (minimum £3 at all times).
1.0% 0.1% 18.9% APR £0 66%Fair

Sainsbury's Bank Dual Offer Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). 3% balance transfer fee refunded to 2.74% on transfers made in the first 3 months. (3% thereafter, £3 minimum at all times.) Credit available subject to status.
1.0% 0.1% 18.9% APR £0 66%Fair

Sainsbury's Bank No Balance Transfer Fee Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. In the first 3 months a 1.5% balance transfer fee is charged and then fully refunded directly to your account within 60 days. 3% thereafter. (Min £3)
1.0% 0.5% 19.9% APR £0 65%Fair

ASDA Cashback Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

Thomson MasterCard

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.94% (variable), representative 19.9% APR (variable). Credit available subject to status.

Amazon Platinum MasterCard

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.94% (variable), representative 21.9% APR (variable). Credit available subject to status.
0.57% 0.29% 21.9% APR £0 66%Fair

Barclaycard Freedom Rewards Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 21.9% (variable), representative 21.9% APR (variable). Credit available subject to status. A fee of 2.9% will be applied to your account at first, but you'll only pay 0.15% as Barclaycard will refund the difference.
0.25% 0.13% 18.9% APR £0 69%Good

Tesco Bank Clubcard 15 Month Balance Transfer and Purchase Credit Card

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. 0% interest periods apply to any balances or money transferred within the first 90 days of account opening.