Credit Card Expert

Best Credit Cards For Rewards and Cashback

Are you able to pay off your full credit card balance every month? If so you probably find most credit card comparisons a bit meaningless when most of them are concerned with APR and Balance Transfers when these variables is totally irrelevant when you pay your balance of each month and don't get charged interest anyway.

If you find yourself in this fortunate category, your best credit card might be a cash back or reward card. These cards offer a reward to the user and usually incentivise the card owner to use the card more so that the card provider may make more money from the retailers.

The Cashback and Reward cards generally function the same way; the more you spend the more cash you get back or the more points accumulate in your reward scheme. The reward points can then be redeemed against whatever offers the card issuer makes available. Schemes can include Airmile Rewards, Fuel Rewards, Retailer rewards (Nectar and Tesco schemes), Gift rewards and many other reward options. Suffice to say that you should find a reward that is right for you.

Note that cashback cards are usually promoted for their rewards and hide the fact that a negative balance may be quite costly. So, if you carry a negative balance occasionally these cards may not be for you. You may want to look at our list of best Credit Cards for lowest rates.

The reward cards are hard to compare as they vary enormously in terms of points earned and how these can be redeemed, however, below are some prominent cash back cards which offer the best reward schemes.

  • Barclaycard Platinum Credit Card

    Barclaycard - The UK's Favourite credit card is now even better. With a fantastic introductory rate of 0% on balance transfers for 12 months. Not only that but you also get 0% for 3 months on purchases and a standard rate of just 14.9% APR. This on top of all the usual benefits Barclaycard are known for, like, no annual fee, free purchase protection, free price promise and 12 month extended warranty.

    Barclaycard Platinum 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

  • GM Platinum Credit Card

    The GM Platinum credit card offers a great rate of 0% fixed for 5 months not only on balance transfers but on purchases as well. The standard rate of 14.9% APR (typical) is also highly competitive. You get free travel accident insurance and you can manage you account on or offline - 24 hrs a day, and get a statement every month. On its own this would be a great product but you also get the highest value reward scheme available in the UK. For every £100 you spend you get £3 which you can redeem against a new Vauxhall car - so you could save up to £2,000.

    GM Platinum 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

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