Rewards credit cards

Get personalised credit card offers and see if you could be rewarded as you spend

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Get rewarded as you spend

Check your approval chances before you apply

Compare as many offers as you like without harming your credit score

Finding a rewards card is easy on ClearScore

1. Sign up

Get your credit score and report for free, forever. And log in to see your personalised offers.

2. Compare your offers

The offers you see are tailored to your score.

3. Apply for your credit card

We’ll tell you what your approval chance is so you can apply with confidence.

Earn things like cashback, points or air miles when you make certain transactions.

Tell us what you’re looking for and we’ll show you personalised offers.

What’s a rewards credit card?

It lets you spread the cost of what you buy

You could use a rewards credit card for your everyday spending. You can spread the cost of your purchases and the more you use it, the more rewards you can earn.

You can access rewards as you spend

When you make certain transactions, you’ll earn things like cashback, air miles, or points. Different cards offer different rewards so comparing them based on where you like to shop or what airlines you use, is a good way to see which card is right for you.

Learn more: What's a rewards credit card?

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The different types of rewards credit cards

There are a few different types of rewards you could get.

Cashback cards

You’ll get a small percentage of what you spend paid back to you – either monthly or annually. Usually, you’ll see it as credit on your statement which reduces your credit card bill. Some other lenders will send the money to your bank account or let you convert it into points.

Air miles cards

As you use your credit card, you can build up air miles. When you’ve got enough, you can redeem them and put them towards your next trip. That could mean getting cheaper flights, lounge access or priority boarding.

Loyalty points cards

These cards let you earn loyalty points that you can turn into discounts at certain shops. The different points cards will come with different loyalty schemes, so comparing them based on where you like to shop is a good idea.

The credit card application process

With most lenders, you’ll be able to apply for a credit card online. It’s often faster than applying in person and the lender can usually tell you if you’ve been accepted straight away.

Compare your offers

The offers you’ll see are tailored to you.

We’ll ask you for some information to understand what you’re looking for and show you the credit cards you’re likely to be eligible for.

Look for the Triple Lock Guarantee

If you see 3 green ticks, it means your offer is pre-approved, and comes with a locked-in credit limit and interest rate. Helping you plan ahead and take control of your finances.*

Apply for your credit card

We’ll show your approval chances when you search for a credit card – saving you time and effort.

You might have to give the lender some more information and then they’ll carry out a hard search against your credit history.

Wait for your card to arrive

If you’re approved, it shouldn’t take long to get your card in the post. You’ll be able to use your new credit card as soon as you activate it.

*Pre-approval doesn’t always guarantee acceptance and is subject to lenders’ checks of your credit status.

How to choose the best reward credit card for you

There are a few options you could choose from. To help narrow down your options, think about these things before applying.

Compare the rewards

Whether you’re a frequent flyer or looking for shopping discounts, different cards come with offers from different airlines and shops.

Check the fees and interest rates

Rewards cards can come with an annual or monthly fee, or high interest rates. Making sure the reward outweighs what you’ll pay in additional fees is key to choosing the right card for you.

Plan ahead to pay back what you owe

Because these cards can come with high interest rates, it’s a good idea to budget in advance and make sure you can afford to pay back what you think you’ll spend every month.

The benefits of rewards credit cards

A rewards credit card could be right for you if you’re looking to build up points or discounts.

You could build up points and discounts quickly by using the card for your everyday spending.

You can access discounts at your favourite shops and airlines, or even travel insurance.

You could improve your credit score by paying back what you owe on time, and in full.

The risks of rewards credit cards

There are some risks when it comes to these types of credit cards.

Generally, the interest rates are high. That means you could end up paying back more than you spent, if you carry over some of the balance to the next month.

Some rewards cards come with additional fees – sometimes annually or monthly.

If you miss a repayment, you risk paying high interest rates and seeing a drop in your credit score – which can impact the future offers you see.

Getting a rewards card with a bad credit score

If you have a bad or low credit score, you could still get a rewards card. You might be offered a lower credit limit and the interest rate might not be as good.

But, at ClearScore, we work with lenders who specialise in helping you find the best credit card for your score.

Find out more about getting a credit card with bad credit.

Representative 34.6% APR.

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Get a preview of incoming changes

Whether you’re adding a new account, removing an old one, or just changing how much credit you use – you’ll find it here.

Take a closer look at your accounts

We’ll show you whenever they've been opened or updated over the past 7 years. You can even see how much of your available credit you’ve used and what the loan balance is.

Save time when looking for your next offer

Your offers are personalised to you. And we’ll show your approval chance so you can feel confident about applying.

Frequently asked questions

Other types of available credit cards

There are lots of credit cards out there – it’s important to find the right one for you.

0% interest credit cards

A 0% interest credit card lets you press pause on paying interest. That means you can use it for something like your everyday spending or to do a balance transfer, without paying the interest on the balance you carry over every month.

Purchase cards

Purchase cards are designed for large purchases. You’ll be able to spread the cost over a few months – and the 0% interest period means you could save money on interest.

Balance transfer cards

Balance transfer cards let you transfer your existing credit card balance onto another card. You could use one of these cards to consolidate your debt and pay it off within the low- or 0% interest period.

Credit builder cards

Credit builder cards help you build your credit score. The interest rates can be high and the credit limit low, but you could see your score improve if you keep up with the monthly repayments.

Credit cards for bad credit

Credit cards for bad credit are designed for people who have a bad credit score or a poor repayment history and usually comes with a low credit limit or high interest rates.

Travel cards

Travel credit cards mean you either won’t be charged for using your card abroad, or the fees will be low.