Credit Cards with Loyalty Rewards

Card	Intro Rate Balance Transfers	Intro Rate Purchases	Representative APR (variable)
British Airways American Express	15.9% (Fee: 3%)	15.9%	15.9%	Details / Apply
	Get 3,000 bonus Avios when you spend £500 on your card within the first 3 months plus earn a complimentary ticket for a companion when you spend £20,000 or more within an anniversary year Rewards: Earn 1 Avios for virtually every £1 you spend. Avios can be redeemed for flights, hotels, car hire, holidays and experiences
	Representative Example 15.9% representative APR variable 15.9% p.a. variable on purchases £1,200 credit limit
NatWest YourPoints World	0% for 15 months (Fee: 2.9% - min £5)	0% for 15 months	16.9%	Details / Apply
	Get double YourPoints for 15 months from account opening plus 2,500 bonus points when you sign up and every year thereafter Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
	Representative Example Representative APR: 16.9% APR (variable) Purchase rate: 16.95% p.a. (variable) Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
AA Credit Card	0% for 12 months (Fee: 3% - min £3)	0% for 10 months	16.9%	Details / Apply
	Rewards: Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
	Representative Example 16.9% representative APR variable 16.9% p.a. variable on purchases £1,200 credit limit
RBS YourPoints World	0% for 15 months (Fee: 2.9% - min £5)	0% for 15 months	16.9%	Details / Apply
	Get double YourPoints for 15 months from account opening plus 2,500 bonus points when you sign up and every year thereafter Rewards: The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
	Representative Example Representative APR: 16.9% APR (variable) Purchase rate: 16.95% p.a. (variable) Assumed credit limit: £1,200 The actual credit limit assigned to individual accounts will vary depending on a credit assessment of you
AA Balance Transfer	0% for 16 months (Fee: 2.9%)	0% for 3 months	17.9%	Details / Apply
	Earn AA Rewards Points on all purchases plus double points on fuel and motoring spend Rewards: Collect AA Rewards Points and exchange them for a range of motoring products and services. Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
	Representative Example 17.9% representative APR variable 17.9% p.a. variable on purchases £1,200 credit limit
Lloyds TSB Duo Avios	0% for 6 months (Fee: 3%)	17.9%	17.9%	Details / Apply
	Two cards on one account gives you the flexibility to collect Avios as fast as possible. Get off to a flying start with 1,500 Avios for every whole £1,000 balance transferred plus you could get 15,000 Avios when you spend £500 a month for the first three months To apply, you must be a UK resident aged 18 or over, with a good credit rating and income of £15,000 or more. Rewards: Collect up to 1 Avios for every £1 spent plus double Avios abroad. Avios can be used for flights, hotel breaks, holidays, cruises or even days out
	Representative Example 17.9% representative APR variable 17.95% p.a. variable on purchases Based on £1,200 credit limit
American Express Nectar	19.9% (Fee: 3%)	19.9%	19.9%	Details / Apply
	Collect 10,000 Nectar bonus points when you spend £1,000 in your first three months Rewards: Apply now for the American Express Nectar Credit Card and start earning Nectar points on everything you spend. By using the credit card and Nectar loyalty card together, you will receive up to 4 Nectar points for each £1 spent at participating Nectar sponsors. That's 2 points from the Nectar sponsor and 2 points for using the credit card for every £1 spent. You'll also earn Nectar points on every day purchases wherever you can use the credit card - at a rate of up to 1 point per £1 spent. If approved, you will automatically receive 10,000 Nectar bonus points as a welcome when you spend £1,000 in your first three months.
	Representative Example 19.9% representative APR variable 19.9% p.a. variable on purchases £1,200 credit limit

Is a credit card rewards scheme a good reason to pick your plastic?

If you pay the balance off on your credit card in full every month and in doing so avoid incurring interest charges or other fees, it's clearly worth looking into what other benefits you can get from using your card. For instance if you commute long distances and spend a significant amount on petrol or diesel each month, buying your fuel on a reward credit card would enable you to rack up reward points to redeem for shopping vouchers, Airmiles or some other product or service. If you're not confident you can pay off your balance in full, you should pick a card with the lowest interest rate rather than the best credit card reward deals.