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American Express Rewards Credit Card
Most Popular
American Express Rewards Credit Card

Balance transfer free period   0

Cost for balance transfers (%)   3.00%

Annual cost   0.00

Rewards ( Nectar Points, Air Miles, etc)   1 Membership Rewards Point per £1 spent

Representative APR   30.4%

Representative Example: The standard interest rate on purchases is 30.4%p.a., so if you borrow £1,200 the Representative APR will be 30.4%APR. 0.00 annual fee.

Do you Qualify?

 

  • UK Resident – Yes
  • Minimum Age – 18 years old
  • Employment Status - Have a current UK bank or building society account and have no history of bad debt 
  • Have no history of bad credit

Important information 

 

  • Travel accident insurance up to £150,000 (subject to enrolment)
  • Credit rating requirement: GOOD/EXCELLENT
  • 24/7 access emergency assistance
  • Refund protection up to £200.00 when a UK retailer won't refund an eligible item within 90 days of purchase (subject to enrolment)
  • Membership Rewards Point per £1 spent
  • 5,000 bonus Membership Rewards Points when you spend £2,000 in first three months (subject to eligibility)
  • You are not eligible for the welcome bonus if you have held a personal American Express card in the past 24 months (or still hold one)
  • This card carries a 2.99% fee for any purchases made overseas
Capital on Tap Rewards Credit Card
Capital on Tap Rewards Credit Card

Balance transfer free period   Interest free draw downs if paid back on the same day

Cost for balance transfers (%)   N/A

Annual cost   £0.00

Rewards ( Nectar Points, Air Miles, etc)   Uncapped 1% cashback on card spending

Representative APR   15.5%

Representative Example: The standard interest rate on purchases is 18.24%p.a., so if you borrow £1,200 the Representative APR will be 15.5%APR. £0.00 annual fee.

Do I Qualify? 

 

  • Applicant must be an active director of the company or majority shareholder of 25%+ ownership.
  • The business must be registered as a private limited company (Ltd) or limited liability partnership (LLP).
  • The business and applicant must be based in the UK.
  • The business must have a minimum turnover of £24,000 per annum.
  • The business must have at least 18 months trading history.
  • No unsatisfied CCJs against either the business owner or the business in the last 12 months.

Important Information:

 

  • Limits of up to £250,000
  • Unlimited free company cards
  • Ability to set spend limits for employees and track spending in real time
  • Option to integrate accounting software 
  • 24/7 customer support 

 

Free Rewards

 

  • Uncapped 1% cashback on card spending 
  • Exclusive offers like savings at Dell, Hertz, Hotels,com
  • Redeem points against balance as cash or discounted gift cards

How it works

We believe finding a suitable rewards or cashback credit card should be simple. Follow the steps below to compare the best rewards credit card or cashback credit card options. If you’re satisfied with the result, you can apply directly with the card issuer. Be sure to check the terms and conditions.

Check your eligibility Icon Check your eligibility

You can find eligibility criteria by selecting ‘More Information’. If you decide to apply, the card issuer may have additional application criteria and exclusions on their website.

Compare rewards or cashback credit cards Icon Compare rewards or cashback credit cards

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Visiting the card issuers' website Icon Visiting the card issuers' website

If you find a cashback or rewards credit card that suits your needs, you should check the provider’s website. Pay particular attention to things like the terms, costs and eligibility.

Applying Icon Applying

Only apply for a rewards or cashback credit card if you know it is right for you. Make sure you understand payment terms and potential fees. If you are unsure, ask the credit card issuer to explain further before applying.



What are rewards and cashback credit cards?

These are credit cards that reward you with points or cashback or something similar when used. This is to encourage you to use the card frequently. However, these cards often have a higher than usual interest rate, so they may be better suited to cardholders who pay the entire balance in full every month. If you cannot pay the balance in full each month, this might not be the card for you, as the interest costs may outweigh the rewards.

What types of reward credit card are there?
Reward credit cards or cashback credit cards are usually either Visa, MasterCard or American Express. You can earn rewards on your spending that can go towards flights, holidays, or loyalty points. Cashback cards give you cash rewards rather than points. Most rewards and cashback cards have some criteria for when they are applicable, so it’s worth checking the exclusions in case these affect you significantly before applying.

How do I find the right rewards credit card?  
You can research the options using a comparison site like MustCompare. Make sure you understand the terms and conditions of the card and check you are able to make payments in full every month to avoid the usually high-interest charges on these types of cards. If you’re unsure about the type of credit card you need, check out our handy guide to credit cards before making your final decision.

What should I look out for when choosing a rewards credit card?
First of all, make sure that the rewards you will earn are of value to you. For example, it may not be worthwhile getting a rewards credit card that gives you air miles if you rarely go abroad.

Also, some offers and rewards may have exclusions, it is worth checking these to ensure you’re not adversely affected. For example, cashback may not be offered at the retailers where you shop.

Check the interest rate, payment terms, costs and fees. You may find it helpful to use a comparison website to find the best offers for your needs. And finally, it’s important you understand the dangers of overspending and debt getting out of control before applying for a credit card.

What is a frequent flyer credit card? -

These cards are a type of rewards credit card that allow you to earn points on your everyday spending that can then be redeemed for flights and other experiences.

What do American Express credit cards do? +

American Express credit cards offer the same base level functions that Visa and MasterCard do. For example, you can make purchases in retail outlets and online, although not all accept Amex card (American Express Card) payments. Many Amex cards offer limited-time incentives, such as cash back or points. However, some also charge fees just for having the card, as well as having generally higher interest rates than Visa and MasterCard credit cards.

How is American Express different from MasterCard or Visa? +

Some Amex cards (American Express Cards) charge a fee for having the card and, because American Express provide their own cards, fund all the transactions made on their cards, and charge retailers to process their payments, they can be an expensive and less convenient payment method. American Express cards tend to be popular for the rewards and cashback that comes with using them. Many retailers - especially smaller, independent retailers - don’t accept Amex as a payment method, meaning that you may either want to carry cash or a Visa or MasterCard as an alternative. Visa and MasterCard help manage the transactions between retailers and banks, and so tend to be less costly to use, which makes them more widely accepted.

What is cashback? +

A cashback credit card pays you a percentage back of qualifying purchases, allowing you to earn money on your credit card spending.

Rewards & Cashback FAQs