Credit Cards with Loyalty Rewards

Card	Intro Rate Balance Transfers	Intro Rate Purchases	Representative APR (variable)
Capital One Click Capital One, Trent House, Station Street, Nottingham, NG2 3HX	9.9% (Fee: no fee)	9.9%	9.9%	Details / Apply
	If you love shopping online, the Click Card is designed for you Suitable for applicants with a very good credit rating and an annual income of over £20,000 Rewards: This card gives you access to exclusive brand discounts when you use it to shop online. New deals and retailers are added every quarter which are valid for a 3 month period
	Representative Example 9.9% APR representative variable 9.94% p.a. variable on purchases £1,200 credit limit
Virgin All Round	0% for 16 months (Fee: 1.99% - min £3)	0% for 6 months	15.8%	Details / Apply
	Rewards: Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more
	Representative Example 15.8% representative APR variable 15.8% p.a.variable on purchase £1,200 credit limit
Virgin	0% for 20 months (Fee: 2.99%)	0% for 3 months	16.8%	Details / Apply
	Suitable for homeowners with a good credit history, aged at least 25 and in full time employment Rewards: Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more.
	Representative Example 16.8% representative APR variable 16.8% p.a.variable on purchase £1,200 credit limit
Play.com MBNA Europe Bank Limited Stansfield House, Chester Business Park, Wrexham Road, Chester, CH4 9QQ	0% for 6 months (Fee: 1.5% - min £3)	0% for 9 months	16.9%	Details / Apply
	Receive 1,500 bonus Play Points if you spend £150 on your card within the first 90 days Suitable for homeowners with a good credit history, aged at least 23 and in full time employment Rewards: Collect Play Points and redeem them for Play.com gift vouchers. Earn 2 points for every £1 you spend at Play.com and 1 point for every £1 you spend elsewhere.
	Representative Example 16.9% APR representative variable 16.9% p.a.variable on purchase £1,200 credit limit
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 purchase £1,200 credit limit
RBS YourPoints World	0% for 13 months (Fee: 2.9% - min £5)	0% for 13 months	17.9%	Details / Apply
	Introductory 2,500 bonus points to all new customers 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 17.9% APR (variable) based on an assumed credit limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable).
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 purchase £1,200 credit limit
NatWest YourPoints World	0% for 13 months (Fee: 2.9% - min £5)	0% for 13 months	17.9%	Details / Apply
	Introductory 2,500 bonus points to all new customers 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 17.9% APR (variable) based on an assumed credit limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable).
British Airways American Express	-	19.9%	19.9%	Details / Apply
	Get 9,000 bonus Avios when you spend £1,000 on your card within the first 3 months Rewards: Earn 1 Avios for virtually every £1 you spend. Avios can be redeemed for flights, hotels, car hire, holidays and experiences
	Representative Example 19.9% representative APR variable 19.9% p.a.variable on purchase £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.