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Rewards credit cards
Get personalised credit card offers and see if you could be rewarded as you spend
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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?
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.
Find your rewards credit card
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.
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Whether you’re adding a new account, removing an old one, or just changing how much credit you use – you’ll find it here.
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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.
Learn more about rewards credit cards
Frequently asked questions
By using your rewards card for certain transactions, you can get cashback, air miles or other points. The type of reward you get depends on the card, so it’s a good idea to choose one that’s most likely to give you the rewards you’d like.
You can have multiple rewards cards. But it’s a good idea to wait about 6 months between taking out lines of credit. That’s because lenders carry out a hard search against your credit report, and these searches impact your credit score for a while. And a better credit score could mean better offers.
Lenders earn money through things like interest and fees. That’s why it’s important to check what fees there are when comparing rewards cards.
Rewards themselves aren’t usually taxable but there are some exceptions. If the rewards card comes with a sign-up bonus, for example, the bonus could be considered taxable income.
You’ll get a small percentage of what you spend paid back to you – either monthly or annually. Usually, you’ll see it as a 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.
If you stay within your credit limit and pay back what you owe, on time and in full, you could see your credit score improve. That’s because it shows other lenders you’re able to borrow responsibly. Remember – your score is made up of all the things in your credit report. It’s impacted by how you borrow, how much debt you have and how frequently you apply for credit.
Learn more about how to improve you credit score.
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.