UK Net Guide Recommends M&S Credit Card 
recommended RewardsPurchases Balance
Transfer		Representative
APR (variable)
With M&S Rewards you'll receive points every time you shop with your card - you get 1 point for every £1 spend in M&S and 1 point for every £2 you spend elsewhere. Once points mount up you can treat y... 0%
15 months		 -
-
-		 15.90%
APR
Representative Example: If you spend 1200.00 at a purchase interest rate of 15.90% (variable) your Representative APR will be 15.90% (variable)
This week starting 21st May, M&S Credit Card is our Top Recommended Credit Card after we have searched the uk credit card market
 

Reward Cards

The latest reward credit cards compared, get club card points, nectar, air miles – click on more information to get full details.


ProviderRewardsPurchases Balance
Transfer		Representative
APR (variable)
Collect 1 Avios for almost every £1 spent on the Lloyds TSB Duo Avios American Express Card and 1 Avios for every £5 spent on the Lloyds TSB Duo Avios MasterCard. You will collect double Avios on your... 15.94%
-		 0%
6 months
3% Fee		 15.90%
APR
Representative Example: If you spend 1200.00 at a purchase interest rate of 15.90% (variable) your Representative APR will be 15.90% (variable)
 Every time you shop at Sainsbury’s with your Sainsbury's Credit Card they will give you 2 Nectar points for every £1 you spend in the first 2 years (available to new customers only). You can build up ... 0%
6 months		 0%
15 months
3% Fee		 16.90%
APR
Representative Example: If you spend 1200.00 at a purchase interest rate of 16.90% (variable) your Representative APR will be 16.90% (variable)
 One account, two cards, more Flying Club miles. Now you can convert your Tesco Clubcard points into Flying Club miles, which you can use for flights, Premium Economy upgrades and more. You will receiv... 17.90%
-		 0%
6 months
2% Fee		 17.90%
APR
Representative Example: If you spend 1200.00 at a purchase interest rate of 17.90% (variable) your Representative APR will be 17.90% (variable)
 This card offers an introductory 5% cashback on your first £2,000 spend within the first 3 months. You will then receive a simple 1.25% flat rate on every full £1 spent per purchase. Spend more than £... 14.00%
-		 -
-
-		 18.50%
APR
Representative Example: If you spend 1200.00 at a purchase interest rate of 18.50% (variable) your Representative APR will be 18.50% (variable)
 You will earn 5% cashback on everything you buy for the first 99 days after you open your account. The most cashback you can earn during the introductory period is £200. For purchases made after the i... 17.69%
-		 17.69%
-
0% Fee		 19.90%
APR
Representative Example: If you spend 12000.00 at a purchase interest rate of 19.90% (variable) your Representative APR will be 19.90% (variable)
 Receive 5,000 Nectar bonus points when you spend £500 within the first 3 months, 2 Nectar points per £1 spent at Nectar partners, 1 Nectar point per £1 spent everywhere else. Receive 500 MorePoints f... 19.90%
-		 -
-
-		 19.90%
APR
Representative Example: If you spend 1200.00 at a purchase interest rate of 19.90% (variable) your Representative APR will be 19.90% (variable)
 The most cashback you can claim during the introductory period is £100, so if you spend £2,000 on the card in the first three months, you will have reached the maximum. After this, if you spend £5,999... 19.94%
-		 19.94%
-
0% Fee		 19.90%
APR
Representative Example: If you spend 1200.00 at a purchase interest rate of 19.90% (variable) your Representative APR will be 19.90% (variable)
 Receive 1,000 Avios when you spend £500 in the first 3 months. Collect 1 Avios for virtually every £1 spent. Spend £20,000 on your card in any given year and receive a companion ticket when you redeem... 19.90%
-		 -
-
-		 19.90%
APR
Representative Example: If you spend 1200.00 at a purchase interest rate of 19.90% (variable) your Representative APR will be 19.90% (variable)
 Collect 1.25 Avios for almost every £1 spent on the Premier Duo Avios American Express Card and 1.25 Avios for almost every £5 spent on the Premier Duo Avios MasterCard. You will collect double Avios ... 13.95%
-		 0%
6 months
3% Fee		 21.90%
APR
Representative Example: If you spend 1200.00 at a purchase interest rate of 21.90% (variable) your Representative APR will be 21.90% (variable)
 
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