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Reward Cards

If you are a Full Payer – which means that you clear your credit card balance in full every month - then reward cards are a nice way of getting a little back for spending on the card. So if you are using a credit card for work expenses, these cards are ideal, but remember to set up a direct debit so you’ll never forget to make the full monthly payment on time.

On the other hand, if you are an Extended Credit Taker and don’t pay off the balance in full, then the interest you will pay is likely to be much more than the value of the reward you get. In that case you should be chasing the card with the lowest APR you can get instead.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

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M&S Credit Card - 19.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 20m at 0%
  • Balance Transfers at 0% for 20m (2.9% fee)
  • 1 point for every £1 spent
  • Recommended by 100% of customers surveyed

There is no doubt that Marks & Spencers will be hoping that brand loyal customers will search out their banking products and any associated offers. Their credit card is a very attractive prospect to those looking for a card offering a good balance transfer and purchases period, as well as collecting M&S points. You will earn M&S points every time you spend on your card and a bonus points voucher worth £5 is available when you spend in home, clothing or food at M&S.
There is also no cash advance fee (normally 2.99%) if you buy your travel money with M&S, and you get a better exchange rate too.

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M&S Credit Card REPRESENTATIVE EXAMPLE

Purchase rate 19.9% variable
Representative 19.9% APR (variable)
Based on credit limit of £1200

NatWest Reward Credit Card - 23.7% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • Annual Fee of £24
  • No Introductory Offer
  • No Balance Transfer Offer
  • 1% cashback for every £1 spent
  • Recommended by 78% of customers surveyed

The NatWest Reward card does exactly what it says on the tin - it rewards users with cashback on lots of different types of shopping, including 1% on your weekly supermarket shop, at least 1% on affiliate MyRewards retailers, 1% on contactless transactions and 0.5% on all other purchases at home and abroad. If you are looking to transfer balances you won't receive an interest free period but you also will not have to pay any fee (typically 1.5-3%). There is an annual fee to be aware of, which is £24, but if you are looking for an everyday cashback card that gives you some return on your monthly spend, this could be for you. You will receive a refund of the annual fee if you also have a Reward account (available to over 18’s and UK residents only. Monthly fee applies and additional criteria apply for Reward Black).

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NatWest Reward Credit Card REPRESENTATIVE EXAMPLE

Purchase rate 18.9% p.a. (variable)
Representative APR 23.7% (variable)
Assumed credit limit £1200
Annual fee £24

M&S 28m Balance Transfer 6m Purchases Card - 19.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 28m (0.99% fee)
  • 1 point
  • Recommended by 100% of customers surveyed

There is no doubt that Marks & Spencers will be hoping that brand loyal customers will search out their banking products and any associated offers. Their credit card is a very attractive prospect offering 0% on balance transfers for 28 months with a small transfer fee of 0.99%. You will also benefit from paying no interest on purchases for 6 months, as well as collecting M&S points every time you shop. You will earn M&S points every time you spend on your card and a bonus points voucher worth £5 is available when you spend in home, clothing or food at M&S.

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M&S 28m Balance Transfer 6m Purchases Card REPRESENTATIVE EXAMPLE

Purchase rate 19.9% variable
Representative 19.9% APR (variable)
Based on credit limit of £1200

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