See who offers the best credit card reward and cashback schemes
Credit cardBalance TransfersPurchasesRepresentative APR
Tesco Clubcard Credit Card00% for 9 months
2.90% fee		00% for 15 months 16.90%
Cashback / Rewards:Collect even more Clubcard points on whatever you buy, wherever you buy it. Collect 1 point per £4 spent in each purchase transaction (£4 min), you must have available credit. The card also doubles as a Clubcard, so when you use your card to pay at Tesco, you will get 1 point per £4 spent plus you will collect standard Clubcard points.
Representative Example
If you spent £12000 on this card with an annual interest rate of 16.90% (variable) your representative APR would be 16.90% (variable)
NatWest YourPoints World MasterCard00% for 13 months
2.90% fee		00% for 13 months 17.90%
Cashback / Rewards:INTRODUCTORY OFFER – 2,500 bonus points for all new customers. Earn 1 point for every £1 you spend whenever you use your card. Exchange your points through NatWest’s travel partners easyJet and ebookers.com or earn vouchers for top brands like M&S, Amazon.co.uk and Boots.
Representative Example
If you spent £12000 on this card with an annual interest rate of 17.95% (variable) your representative APR would be 17.90% (variable)
Marks & Spencer Credit Card - 00% for 15 months 15.90%
Cashback / Rewards:With M&S Rewards you'll receive points every time you shop with your card - you get 1 point for every £1 spend in M&S and 1 point for every £2 you spend elsewhere. Once points mount up you can treat yourself to anything you like in store. You can also buy M&S Travel Money with no cash advance or foreign exchange fees.
Representative Example
If you spent £12000 on this card with an annual interest rate of 15.90% (variable) your representative APR would be 15.90% (variable)
American Express British Airways - - 19.90%
Cashback / Rewards:Receive 9,000 Avios when you spend £1,000 in the first 3 months. Collect 1 Avios for virtually every £1 spent. Spend £20,000 on your card in any given year and receive a companion ticket when you redeem your Avios for a British Airways flight. There is no annual fee with this card.
Representative Example
If you spent £12000 on this card with an annual interest rate of 19.90% (variable) your representative APR would be 19.90% (variable)
Virgin Atlantic White Card00% for 6 months
2.00% fee		 - 17.90%
Cashback / Rewards:Receive 3,000 Flying Club miles when you make your first purchase within 90 days of your account opening. You’ll also earn 1 mile for every full £1 spent on the American Express card and 1 mile for every £2 you spend on the Visa card. There are double Flying Club miles on Virgin Atlantic or Virgin Holidays and companion reward flights available when you spend over £15,000 on the American Express card in a year. There is no annual fee with this card.
Representative Example
If you spent £12000 on this card with an annual interest rate of 17.90% (variable) your representative APR would be 17.90% (variable)
Sainsbury's Nectar Credit Card00% for 15 months
3.00% fee		00% for 6 months 16.90%
Cashback / Rewards:Every time you shop at Sainsbury’s with your Sainsbury's Credit Card they will give you 2 Nectar points for every £1 you spend in the first 2 years (available to new customers only). You can build up Nectar points when you use your Sainsbury’s Credit Card elsewhere too earning 1 point for each £5 you spend.
Representative Example
If you spent £12000 on this card with an annual interest rate of 16.94% (variable) your representative APR would be 16.90% (variable)
American Express Nectar Credit Card - - 19.90%
Cashback / Rewards:Receive 5,000 Nectar bonus points when you spend £500 within the first 3 months, 2 Nectar points per £1 spent at Nectar partners, 1 Nectar point per £1 spent everywhere else. Receive 500 MorePoints for every £500 spent on the Nectar Credit Card in every calendar month.
Representative Example
If you spent £12000 on this card with an annual interest rate of 19.90% (variable) your representative APR would be 19.90% (variable)
Lloyds TSB Duo Avios Credit Card00% for 6 months
3.00% fee		 - 15.90%
Cashback / Rewards:If you apply before 1st March 2012 you will get an exclusive online bonus of 2,000 Avios if you spend at least £500 each month for the first 3 months. Collect 1 Avios for almost every £1 spent on the Lloyds TSB Duo Avios American Express Card and 1 Avios for every £5 spent on the Lloyds TSB Duo Avios MasterCard. You will collect double Avios on your spend abroad. You will receive 1,500 extra Avios for every whole £1,000 you transfer to the card from a single provider.
Representative Example
If you spent £12000 on this card with an annual interest rate of 15.94% (variable) your representative APR would be 15.90% (variable)
American Express Platinum Cashback - - 18.50%
Cashback / Rewards:Earn 5% cashback on your first £2,000 spend within the first 3 months. This card offers the HIGHEST ongoing and uncapped cashback rate available across virtually all purchases, regardless of spend level. Spend more than £10,000 on your card in the preceding 12 months and receive an anniversary bonus of double cashback every year on the 13th month of your card membership.This card offers an introductory 5% cashback on your first £2,000 spend within the first 3 months. You will then receive a simple 1.25% flat rate on every full £1 spent per purchase. Spend more than £10,000 on your card in the preceding 12 months and receive an engagement bonus of double cashback every year on the 13th month of your card anniversary.
Representative Example
If you spent £12000 on this card with an annual interest rate of 14.00% (variable) your representative APR would be 18.50% (variable)
Nationwide Building Society Select Card00% for 17 months
2.95% fee		00% for 18 months 12.90%
Cashback / Rewards:You will receive 0.5% unlimited cashback on all sterling purchases.You will receive 0.5% unlimited cashback on all sterling purchases.
Representative Example
If you spent £12000 on this card with an annual interest rate of 12.90% (variable) your representative APR would be 12.90% (variable)
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