Universal Reward Cards

The following are credit cards open to the U.K. market offering a universal reward program. These credit cards are generous with rewards and benefits even to those members who don't spend as much. Popular reward options include cash, merchandise, gift certificates and travel rewards.


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Sort Cards by: Name | Rating | Intro APR | APR | Annual Fee
 

 
AA Credit Card
  • 0% on balance transfers for 12 months (2.99% fee)
  • 0% on all motoring and fuel purchases for 12 months.
  • Earn AA Reward Points on your everyday card purchases, and earn double points on motoring, fuel and AA products
  • 16.9% APR typical rate (variable)
  • 0% on money transfers from your credit card to your current account for 12 months (4% fee)
  • Manage your card with our online servicing, you can check your balance, transactions, view your pin or opt for paperless statements
  • Use your points to take cash back on fuel purchases * The AA Credit Card has won the Moneyfact Best Buy Award and also the Moneyfact 4-star ranking award.

0%*Intro APR

12 months*Intro Period

16.90%*APR

N/A*Annual Fee

4.5


American Express Platinum CashBack Credit Card

American Express Platinum CashBack Credit Card
  • 5% cashback for the first 3 months and 1.5% thereafter
  • Standard APR on purchases is 18.9% variable
  • Credit limit from £700 to £25000
  • Platinum benefits
  • No annual fee

N/A*Intro APR

N/A*Intro Period

18.90%*APR

£0.00*Annual Fee

4.0


FairFX Euro Currency Card

FairFX Euro Currency Card
  • EURO Currency Prepaid Debit Card
  • Market-leading exchange rates
  • 0% management fees or hidden charges
  • 0% fees on transactions, low ATM fees
  • Fix the rate when loading so you know what everything costs when using the card
  • Load up to £2,500 at any one time
  • Chip and pin protected for your security
  • Accepted at millions of outlets

N/AOpening Min

N/A*App Fee

N/A*Annual Fee

N/AATM Fee

4.5


MBNA Rewards Credit Card

MBNA Rewards Credit Card
  • 0% on balance transfers for 13 months (2.9% handling fee). For this great rate your balance needs to be transferred within the first 90 days of opening your account.
  • 0% on money transfers from your credit card to your current account for 13 months (4% handling fee). Remember for this great rate you need to transfer money within the first 90 days of opening your account.
  • 0% on card purchases for 3 months from the date your account is opened.
  • 16.9% APR typical rate (variable).

0%*Intro APR

13 months*Intro Period

16.90%*APR

£0.00*Annual Fee

4.0


 


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