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.






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

 

Sainsbury's Nectar Credit Card

Sainsbury's Nectar Credit Card
  • 12.92% p.a. on purchases and balance transfers and no balance transfer fee
  • 0% apr on Balance Transfer for 10 months
  • No annual fee
  • Earn Nectar points when you use your Sainsbury's Nectar Credit Card elsewhere - 1 point for every £5 you spend
  • Optional repayment cover

0%*Intro APR

10 months*Intro Period

12.92%*APR

£0.00*Annual Fee

4.0


Egg Visa Credit Card

Egg Visa Credit Card
  • 0% interest for up to 14 Months on balances transferred within the first three months (3% fee applies).
  • 0% interest on new purchases for up to 3 months.
  • Manage your online account Egg Money Manager.
  • Online PIN reminder
  • Active fraud monitoring
  • 24 hour online account management
  • No paperwork and apply in minutes

0%*Intro APR

up to 14 months*Intro Period

17.90%*APR

£0.00*Annual Fee

4.5


Barclaycard Platinum Visa® Card

Barclaycard Platinum Visa® Card
  • 0% interest on balance transfers until July 2011 from account opening (2.9% handling fee applies)
  • 0% interest on purchases for 3 months from account opening
  • A reward programme like no other, with Barclaycard Freedom automatically earn while you shop at participating retailers.
  • With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under
  • 15.9% APR typical (variable)

0%*Intro APR

15 months on BT*Intro Period

15.90%*APR

£0.00*Annual Fee

4.5


Barclaycard Platinum Simplicity Credit Card

Barclaycard Platinum Simplicity Credit Card
  • Simply our lowest APR
  • A low rate on all your purchases
  • 6.8% interest on all balance transfers until paid in full (no handling fee applies)
  • A reward programme like no other, with Barclaycard Freedom automatically earn while you shop at participating retailers
  • With contactless payment technology, a new quick and easy way to pay for purchases of £10 or under
  • 6.8% APR typical (variable)

N/A*Intro APR

N/A*Intro Period

6.80%*APR

£0.00*Annual Fee

5.0


Sainsbury's Credit Card

Sainsbury's Credit Card
  • Every time you shop at Sainsbury's with your Credit Card we'll give you 2 Nectar points for every £1 you spend in the first 2 years. That's doubling your Nectar points on every Sainsbury's shop when you swipe your Nectar card.
  • 0% for the first 12 months on Sainsbury's shopping
  • 0% for the first 10 months on all other shopping
  • 0% for the first 10 months on balance transfers (+3% fee)
  • Collect 1 point per £5 when you use your Sainsbury's Credit Card elsewhere
  • Withdraw cash in over 24 million locations worldwide (fees apply)
  • Enjoy safe and secure payments with Chip and PIN

0%*Intro APR

12 months*Intro Period

15.90%*APR

£0.00*Annual Fee

5.0


Miles & More American Express® credit card from MBNA

Miles & More American Express credit card from MBNA
  • Receive a welcome bonus of 1,500 award miles
  • 2 award miles for every £1 you spend during the first 6 months
  • 1.5 award miles per £1 spent thereafter
  • Redeem your award miles for fabulous rewards including flights, upgrades, hotel stays and much more!
  • 0% on balance transfers for 12 months (3% handling fee)
  • 0% on card purchases for 3 months
  • 16.9% APR typical rate (variable)
  • No mileage expiration

0%*Intro APR

12 months*Intro Period

16.90%*APR

£0.00*Annual Fee

5.0


Play.com Credit Card from MBNA

Play.com Credit Card from MBNA
  • 0% on card purchases for 9 months
  • 0% on balance transfers for 6 months (1.5% handling fee)
  • 16.9% APR typical rate (variable)
  • No annual fee
  • Collecting Play Points is easy: use your Play.com Credit Card for everyday purchases such as buying groceries, filling up with petrol or even paying for holidays and you'll be amazed how quickly your Points build up!
  • 2 Play Points for every £1 you spend at Play.com
  • 1 Play Point for every £1 you spend elsewhere
  • 1,500 bonus Play Points if you spend £150 on your card within 90 days of your account opening - you can redeem these Points for a £15 Voucher!

0%*Intro APR

9 months*Intro Period

16.90%*APR

N/A*Annual Fee

4.5


American Express Platinum Charge Card

American Express Platinum Charge Card
  • 40,000 bonus Membership Rewards points
  • Platinum Benefits
  • Charley Boorman travel vodcasts
  • Supplementary Cards
  • No pre-set spending limit
  • Get a response in just 60 seconds

N/A*Intro APR

N/A*Intro Period

0*APR

£300.00*Annual Fee

4.5


American Express Preferred Rewards Gold Card

American Express Preferred Rewards Gold Card
  • Double Membership Rewards points on your travel spend
  • 1 point for virtually every £1 you spend elsewhere
  • No pre-set spending limit
  • Gold Card Travel Service
  • No interest charges - just pay your balance in full every month
  • Get a response in just 60 seconds

N/A*Intro APR

N/A*Intro Period

0*APR

£75.00*Annual Fee

4.5


American Express Express Rewards Card

American Express Express Rewards Card
  • 18,000 bonus point incentive when you spend £500 a month in your first 3 months
  • 3 points for every £1 spent at major UK supermarkets
  • 2 points for every £1 at UK department stores
  • 1 point for every £1 elsewhere
  • 0% on purchases for the first 6 months
  • No annual fee
  • 17.9% APR

0%*Intro APR

6 months*Intro Period

17.90%*APR

£0.00*Annual Fee

4.5


Tesco Credit Card

Tesco Credit Card
  • 0% interest for 13 months on ALL purchases from account opening
  • 0% interest for 9 months on balance transfers from account opening (2.9% fee)
  • A faster way to collect Clubcard points - 1 point awarded per £4 spent
  • Your way to collect Clubcard points
  • Apply online for an instant decision
  • A defaqto 5 star rating for excellent quality

0%*Intro APR

13 months*Intro Period

16.90%*APR

£0.00*Annual Fee

5.0


AA Credit Card

AA Credit Card
  • 0% for 12 months on ALL purchases
  • 0% for 9 months on Balance transfers (+3% fee)
  • 18.9% APR typical variable
  • Earn AA Reward Points on your everyday card purchases, and earn double points on motoring, fuel and AA products. Use your points to purchase from a range of motoring products and services, AA Home or Car Insurance, shopping vouchers or even cash back

0%*Intro APR

12 months*Intro Period

18.90%*APR

N/A*Annual Fee

4.5


American Express Starwood Preferred Guest Credit Card

American Express Starwood Preferred Guest Credit Card
  • 10,000 bonus Starpoints
  • Earn 1 Starpoint for every full £1 spent
  • Receive a Free Weekend Night
  • Experience Gold Preferred Guest status
  • Share the benefits with friends and family
  • £75 annual fee
  • Get a response in just 60 seconds

N/A*Intro APR

N/A*Intro Period

19.90%*APR

£75.00*Annual Fee

3.5


MBNA Platinum Rewards Credit Card

MBNA Platinum 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


American Express Platinum CashBack Credit Card

American Express Platinum CashBack Credit Card
  • 5% cashback in first 3 months up to £100
  • Up to 1.25% after that, with no limit on how much you earn
  • 0% on purchases for the first 6 months
  • No annual fee
  • 19.9% APR

0%*Intro APR

6 months*Intro Period

19.90%*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


Chelsea Rewards Credit Card

Chelsea Rewards Credit Card
  • 0% on balance transfers for 12 months (3% handling fee)
  • 0% on money transfers from your credit card to your current account for 12 months (4% handling fee)
  • 0% on card purchases for 3 months from the date your account is opened
  • 16.9% APR typical rate (variable)
  • Reward Points: you will get access to one of the biggest credit card reward schemes available today. For every £1 you spend on card purchases, we'll give you 1 Reward Point, so you'll soon rack up enough points to earn valuable Rewards
  • No Annual Fee
  • Paperless Statements
  • Fraud Protection

0%*Intro APR

12 months*Intro Period

16.90%*APR

£0.00*Annual Fee

5.0


MBNA Retail Rewards American Express® Credit Card

MBNA Retail Rewards American Express Credit Card
  • A long term card purchase rate of 0% p.a for 12 months on every card purchase
  • A card purchase rate of 0% p.a for 6 months
  • Typical rate 16.9% APR variable
  • Access to a fantastic rewards programme
  • Earn 1 point for every £1 you spend

0%*Intro APR

12 months*Intro Period

16.90%*APR

£0.00*Annual Fee

4.5


Manchester United FC Credit Card

Manchester United FC Credit Card
  • Red Rewards: You could win fantastic Manchester United 'money can't buy' prizes simply by using your MU credit card
  • 0% on balance transfers for 12 months (3% handling fee)
  • 0% on card purchases for 3 months
  • 16.9% APR typical rate (variable)
  • No Annual Fee
  • Paperless Statements
  • Fraud Protection

0%*Intro APR

12 months*Intro Period

16.90%*APR

£0.00*Annual Fee

5.0


Liverpool FC Rewards Credit Card

Liverpool FC Rewards Credit Card
  • Official 5 Star LFC Credit Card
  • 0% on balance transfers for 12 months (3% handling fee)
  • 0% on money transfers from your credit card to your current account for 12 months (4% handling fee)
  • 0% on card purchases for 3 months from the date your account is opened
  • 16.9% APR typical rate (variable)
  • Reward Points: For every £1 you spend on card purchases, we'll give you 1 Reward Point, so you'll soon rack up enough points to earn valuable Rewards
  • Contributions made to the Club by MBNA Europe Bank Limited, the card issuer, every time you make a card purchase, at no extra cost to you
  • No Annual Fee

0%*Intro APR

12 months*Intro Period

16.90%*APR

£0.00*Annual Fee

5.0


 


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