Compare the best credit cards for rewards and travel points for 2024

Enjoy 1000s of bonus points on sign-up and collect points as you spend with the best rewards and travel credit cards.

★★★★★
1,100+ customer reviews
Table: promoted then other popular deals
1 - 5 of 10
Name Product Finder Score Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
British Airways American Express® Credit Card
4.0
★★★★★
31%
£0
1 point per £1 spent
31% APR (variable)
Check eligibilityCard details
New Cardmembers collect 5,000 bonus Avios when you spend £2,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
Santander All in One Credit Card
4.5
★★★★★
0% for 15 months reverting to 23.9%
£3 per month
0.5% cashback
29.8% APR (variable)
Check eligibilityCard details
Every time you spend abroad in the local currency using your Santander debit or credit card between 18 June to 15 September 2024, you'll be entered into a prize draw to win 1 of 18 travel vouchers each worth £5,000 each. T&Cs apply. Earn 0.5% cashback (up to £10 a month) on all your purchases. Cashback paid monthly into card account.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
Amex® Cashback Everyday Credit Card
3.8
★★★★★
31%
£0
1% cashback
31% APR (variable)
Check eligibilityCard details
Welcome offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Terms and minimum spend apply. 18+, subject to status.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
M&S Bank Credit Card Transfer Plus Offer Mastercard
3.9
★★★★★
0% for 3 months reverting to 24.9%
£0
1 point per £1 spent with selected partners
1 point per £5 spent elsewhere
24.9% APR (variable)
Check eligibilityCard details
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
American Express® Preferred Rewards Gold Credit Card
4.0
★★★★★
31%
Year 1 - £0, Year 2 onwards - £195 per annum
3 points per £1 spent with selected partners
1 point per £1 spent elsewhere
88.8% APR (variable)
Check eligibilityCard details
New Cardmembers earn 20,000 Membership Rewards® points when you spend £3,000 in your first 3 months of Cardmembership. Terms Apply. 18+, subject to status.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £195 per annum, your representative rate is 88.8% APR (variable).
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

Reward credit cards give you perks for your everyday spending, whether that be cashback on your purchases or travel points towards booking your next trip. If you’re planning to use a credit card for your purchases, and you can pay off your balance in full every month, then it’s worth checking out what extra benefits you could get with your card spend.

What rewards do credit cards offer?

The rewards you can get with a credit card depend on the card you choose and the rewards programme. Some of the most popular reward categories include:

  • Cashback
  • Travel rewards: flights, flight upgrades, accommodation, insurance
  • Shopping rewards: gift cards, vouchers and instant shopping discounts
  • Fuel vouchers
  • Specific items, such as clothes and electronics
  • Tickets to concerts and other events

How to choose the best rewards credit card

There are many reward credit cards available, each with different perks on offer, as well as different conditions or fees to bear in mind. If you’re in the market for a reward credit card, here are some factors think about before deciding which one to go for:

  • Types of rewards. From cashback to airport lounge access, and shopping vouchers to gig tickets, there’s a variety of perks on offer. Consider which reward you’d get the most out of before choosing a card – if you’re not an avid traveller then bagging lots of points to use on flight bookings might not be the best benefit for you.
  • Welcome bonuses. Reward credit cards often come with bonuses for signing up and spending a certain amount within the first year or first few months. This can be great if you know you’ve got a big ticket item to buy or you’re going to be putting all of your everyday spending on the card, but be mindful not to overspend just to get the bonus.
  • Spending thresholds. The size of reward you’ll get will usually depend on how much you spend, so think about how much cashback or how many points you’ll realistically get with your average monthly spend, and don’t overstretch yourself financially just to hit the next reward threshold.
  • Fees and charges. Reward credit cards sometimes come with a monthly or annual fee, so factor this in when weighing up what the rewards will be worth overall. Aside from that, most credit cards will also charge for cash advances (drawing money out of an ATM) and if you miss a monthly bill payment.
  • Interest rates. Credit card interest rates can vary considerably and will kick in if you don’t pay your credit card balance off in full every month. Also check the credit card’s rates for different transactions – some cards charge the same rate for all transactions and others apply different rates depending on whether the transaction is a purchase, cash advance or balance transfer.
  • Eligibility requirements. The credit card issuer will assess your application depending on your financial circumstances, and if you’re rejected for the credit card it could negatively impact your credit score. If you’re not sure you’ll meet the eligibility requirements for a reward credit card, you can use an eligibility checker before you apply.

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Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Publisher

Emily Herring is a Publisher at Finder specialising in credit-based products including credit cards and business and personal loans. Emily has recently joined the Investments team. She has a Masters in Creative Writing & Publishing and a Bachelor of Arts in Communication & Media. See full bio

Emily's expertise
Emily has written 134 Finder guides across topics including:
  • Loans & credit cards
  • Building credit

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