Credit Card Expert

Best Credit Cards For Rewards and Cashback

Are you one of the fortunate or financially prudent few who manage to pay off your creditcard every month?

It might supprise you that it be extremely difficult to find the best credit card for you.  Most adverts you see nowadays harp on about 0% offers or low standard rates which is irrelevant for you as you never get charged interest anyway.

Your best credit card may be the reward / cashback based credit cards.  As the name suggests these cards give credit card users a reward which might be in the form of cashback or some sort of loyalty points program.

Reward cards, be they cash back or points based, work relatively alike.  Each pound you spend on the credit card (excluding balance transfers) will reward you with a certain percentage of your spend as points or cashback.

Apart from straightforward cashback schemes, the reward schemes are very hard to judge as they differ a great deal in terms of points earned and redeeming possibilities which range from air miles to shopping vouchers to petrol points.

Note that these cards usually are promoted for their rewards and if you carry a negative balance they can be quite costly. Thus, if you aren’t sure that you are going to stay positive these cards may not be for you. You may want to look at our 0% Credit Cards comparisons.

  • British Airways Credit Card

    The British Airway credit card is ideal if your an existing member of the BA Executive Club loyalty program or you are a traveler looking to make the most of a reward based credit card. For every Pound you spend on the BA credit card you earn BA miles which you can use on British Airways to get free flights, upgrades or companion tickets.

    British Airways Credit Card Review

  • AA Credit Card

    The AA credit card from one of the worlds largest motoring organisations offers a great 0% on balance transfers for 9 months, 0% on purchases for 6 months and a standard rate of 15.9% APR. You also earn points on everything you buy with the card which can earn you great discounts on other AA products like home and car insurance or you can swap the points for cash!

    AA Credit Card Review

  • American Express

    With the American Express Red card you can take advantage of one of the funkiest card designs around from one of the most famous names in financial services - American Express. You also get the opportunity to help with the Global Fund. A charity helping women and children in Africa with HIV/AIDS - 1.25% of all spend on the card gets donated. The 12.9% APR offered is also very good.

    American Express Review

  • Nectar Credit Card Review

    The Nectar credit card is backed by the one of the UK's largest reward schemes incorporating shops such as Sainsbury's, Debenhams, and companies such as the AA and Ford. Now earning Nectar points is even easier thanks to the Nectar credit card from American Express. Its just like a normal credit card, but better, as it gives you Nectar points everywhere you use it. You get double Nectar points for the first 3 months and if you use the card at participating partners you'll earn up to 4 points for each £1 spent. The standard interest rate is 15.9% APR (variable).

    Nectar Credit Card Review Review

  • Virgin Atlantic Credit Card

    If you are a frequent or infrequent flyer the Virgin Atlantic Credit Card could be a great way to earn free flights. With 1 Flying club mile for every pound spent with the white card and 2 Flying Club miles for every pound spent on the black card, your miles could quickly add up. The card also offers 0% interest for 6 months on balance transfers and 17.9% APR (37.1% APR on the black card)

    Virgin Atlantic Credit Card Review

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