Great For: Everyday cash back with no fee
American Express Platinum Cashback Everyday Credit Card *
On American Express's Secure Website
24.5%
£0
On American Express's Secure Website
OUR BOTTOM LINE
Cashback rewards are hard to come by these days, but if that’s what you’re looking for, the American Express Cashback Everyday Credit Card may be a good bet. The standard cashback yield is 0.5%, but for those that spend more than £10,000, that bumps up to 1%. New cardholders also get a bonus of 5% cashback over the first three months, which maxes out at £100. Its sister card offers a bigger welcome bonus and higher cashback, but the Everyday Credit Card has the advantage of no fee.
Read full reviewHIGHLIGHTS
- 5% cashback for first 3 months (up to £100, subject to eligibility)
- 0.5% cashback after first 3 months (if you spend £1 to £10,000)
- 1% cashback after first 3 months with spending above £10,000
- Note that you must spend at least £3,000 to earn any cashback
- No annual fee
- No cap on cashback earned
- Travel accident insurance (subject to enrolment) and global assist services
- Access to special offers from American Express offers
KEY SCORES
| Perks | 4/5 |
| Fees | 5/5 |
| APR | 3.5/5 |
REPRESENTATIVE EXAMPLE
| Representative APR | 24.5% APR variable |
| Annual fee | Based on £0 |
| Credit Limit | Assumed credit limit of £1,200 |
| Purchase Rate | 24.5% variable for purchases |
* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.
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on American Express's Secure Website
Great For: Attractive rewards with no annual fee
American Express Rewards Credit Card *
24.5%
£0
OUR BOTTOM LINE
The American Express Rewards Credit Card gives you access to a popular reward scheme and leaves out the price tag. With no annual fee, you can immediately start feeling the benefit of one Membership Rewards point for every £1 you spend. The real selling point is for new cardmembers, who, if eligible, could earn themselves a windfall of 10,000 bonus points if they spend £2,000 in the first three months. And did we mention no annual fee?
Read full reviewHIGHLIGHTS
- 1 Membership Rewards Point per £1 spent
- 10,000 bonus Membership Rewards Points when you spend £2,000 in first three months (subject to eligibility)
- No annual fee
- Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
- Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
- Travel accident insurance up to £150,000 (subject to enrolment), plus 24/7 access emergency assistance
KEY SCORES
| Perks | 4.5/5 |
| Fees | 4.5/5 |
| APR | 3.5/5 |
REPRESENTATIVE EXAMPLE
| Representative | 24.5% APR variable |
| Purchase rate | 24.5% variable for purchases |
| Credit limit | Assumed credit limit of £1,200 |
| Annual fee | No annual fee |
* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.
Ready to apply? You can
either Check Eligibility or
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on American Express's Secure Website
Great For: Long 0% purchase and balance transfer, plus points
M&S Shopping Plus Credit Card *
21.9%
£0
OUR BOTTOM LINE
The M&S Shopping Plus card ticks a lot of the boxes to make a great credit card. For starters, there’s a long 22-month 0% period on new purchases. But you can add to that a 22-month, 0% period for balance transfers made in the first 90 days and the M&S points programme. It is worth noting that there’s a 2.9% fee on balance transfers.
Read full reviewHIGHLIGHTS
- 0% interest on purchases for the first 22 months
- 0% interest for 22 months on balance transfers made in the first 90 days
- 2.9% balance transfer fee (minimum £5)
- Earn M&S points for shopping at M&S and elsewhere
KEY SCORES
| Perks | 4/5 |
| Fees | 5/5 |
| APR | 4/5 |
REPRESENTATIVE EXAMPLE
| Representative rate | 21.9% APR (variable) |
| Purchase rate | 21.9% p.a. (variable) |
| Assumed credit limit | £1,200 |
* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.
Ready to apply? You can
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on M&S Bank's Secure Website
Great For: Premium charge card experience
The Platinum Card *
N/A
£575
OUR BOTTOM LINE
If you can get your head around spending £575 a year on a payment card, then you stand to benefit from all that The Platinum Card can offer. This high-end experience from American Express includes access to 1,200 airport lounges worldwide, comprehensive travel insurance for you and your family (subject to enrolment), hotels benefits, Membership Rewards points and a platinum concierge service. Note that this is a charge card, not a credit card, so you have to pay down your balance in full each month.
Read full reviewHIGHLIGHTS
- Welcome award of 60,000 points after spending £6,000 in the first six months (subject to eligibility, terms apply, offer ends 2nd November 2021)
- Complimentary airport lounge access at more than 1,200 lounges around the world
- Comprehensive worldwide travel insurance for you, your family and supplementary cardmembers (subject to enrolment)
- Hotel, car rental and taxi hire benefits
- Access to the Platinum Concierge service
- Special dining benefits through the Global Dining Collection
- 1 Membership Rewards point for each £1 spent
KEY SCORES
| Perks | 5/5 |
| Fees | 1/5 |
| APR | N/A |
REPRESENTATIVE EXAMPLE
Not applicable. This is a charge card, so there’s no credit offered.
* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.
Ready to apply? You can
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on American Express's Secure Website
Great For: Collecting Nectar points for everyday spend
American Express Nectar Credit Card *
29.8%
£25 (£0 in first year)
OUR BOTTOM LINE
Building up your Nectar point balance is this card’s defining feature. Cardholders can earn 2 points for every £1 spent (except at warehouse retailers), and a minimum of 3 points per £1 spent at Nectar partners when using the credit card and the loyalty card. Add to that a welcome bonus of 20,000 points for eligible new cardholders that spend £2,000 in the first three months, and Nectar scheme users are looking at a decent payout. The card does have a £25 annual fee, but this is waived for the first year of membership.
Read full reviewHIGHLIGHTS
- 2 Nectar points for (almost) every £1 spent
- 3 Nectar points per £1 at Nectar partners when using your loyalty card, 1 point per £1 at warehouse retailers
- 20,000 bonus Nectar points when you spend £2,000 in first three months (subject to eligibility)
- Complimentary additional card, so a family member can help you rack up Nectar points
- Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
- Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
- Access to American Express’s 24/7 Global Assist service to provide assistance when you travel outside the UK
KEY SCORES
| Perks | 3/5 |
| Fees | 4/5 |
| APR | 3.5/5 |
REPRESENTATIVE EXAMPLE
| Representative | 29.8% APR variable |
| Purchase rate | 24.5% variable for purchases |
| Credit limit | Assumed credit limit of £1,200 |
| Annual fee | Based on £25 (£0 in first year) |
* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.
Ready to apply? You can
either Check Eligibility or
Apply Now!
on American Express's Secure Website
Great For: Everyday cash back with an extra boost for big spenders
American Express Platinum Cashback Credit Card *
29.8%
£25
OUR BOTTOM LINE
If your goal is maximizing your cashback rewards, the American Express Platinum Cashback Credit Card could be your best bet. The downside is that the card carries an annual fee of £25. However, you get 5% cashback over the first three months (up to £125) and 0.75% cash back after that. And if you spend more than £10,001, you unlock an even higher 1.25% cashback rate.
Read full reviewHIGHLIGHTS
- 5% cashback for first 3 months (up to £125, subject to eligibility)
- 0.75% cashback after first 3 months with spend of £1 to £10,000
- 1.25% cashback after first 3 months with spend above £10,001
- Travel accident insurance (subject to enrolment) and global assist services
- Access to American Express offers for retail and travel partners
KEY SCORES
| Perks | 4.5/5 |
| Fees | 4/5 |
| APR | 3.5/5 |
REPRESENTATIVE EXAMPLE
| Representative APR | 29.8% APR variable |
| Annual fee | Based on £25 |
| Credit limit | Assumed credit limit of £1,200 |
| Purchase rate | 24.5% variable for purchases |
* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.
Ready to apply? You can
either Check Eligibility or
Apply Now!
on American Express's Secure Website
Great For: High-end credit card experience
American Express Preferred Rewards Gold Credit Card *
59.9%
£140 (£0 in your first year)
OUR BOTTOM LINE
This card offers a high-end package in the form of a lucrative rewards programme and travel benefits suited to those who enjoy travel and adventure. However, with the comparatively high price of £140 in the form of an annual fee, you should expect a card with all the trimmings.
Read full reviewHIGHLIGHTS
- 1 Membership Rewards Point per £1 spent
- For a limited time, 30,000 bonus Membership Rewards Points when you spend £3,000 in first three months (terms apply)
- Airport lounge access (2 complimentary visits per year) at over 700 worldwide airport lounges
- Anniversary bonus of 10,000 Membership Rewards points for each year when you spend £15,000 during the anniversary year
- Two points for each £1 spent with airlines or in foreign currency
- Three points for each £1 spent at American Express Travel
- Hotel benefits with over 500 hotels, including Hilton, Intercontinental and Hyatt
- Complimentary membership to Hertz Gold Plus Rewards
- Gold Cardmembers will now being eligible for up to two separate £5 credits per month when they spend at Deliveroo on their Gold Card
KEY SCORES
| Perks | 3.5/5 |
| Fees | 3/5 |
| APR | 3.5/5 |
REPRESENTATIVE EXAMPLE
| Representative rate | 59.9% APR (variable) |
| Purchase rate | 24.5% variable for purchases |
| Credit limit | Assumed credit limit of £1,200 |
| Annual fee | £140 (£0 in the first year) |
* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.
Ready to apply? You can
either Check Eligibility or
Apply Now!
on American Express's Secure Website
Great For: Collecting Avios on everyday spend
British Airways American Express Credit Card *
24.5%
£0
OUR BOTTOM LINE
This card is all about the Avios. For a limited time, if you are a new cardmember, then you can earn 10,000 Avios if you spend £1,000 in the first three months (customer must apply and be approved by 2 November 2021. T&Cs apply.). Everyday spending will see you earn 1 Avios for every £1 spent, and there is also a friend referral scheme which offers 6,000 bonus Avios for each friend who is approved. All of these can then be redeemed as full or part payment against flights, or for flight upgrades. You can also get a Companion Voucher when you spend £12,000 on the card each year. And did I mention there is no annual fee?
Read full reviewHIGHLIGHTS
- 1 Avios per £1 spent
- For a limited time, 10,000 bonus Avios when you spend £1,000 in first three months (customer must apply and be approved by 2 November 2021. T&Cs apply.)
- No annual fee
- Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
- Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
- Travel accident insurance up to £75,000 (subject to enrolment), plus 24/7 access emergency assistance
KEY SCORES
| Perks | 4/5 |
| Fees | 3/5 |
| APR | 2/5 |
REPRESENTATIVE EXAMPLE
| Representative rate | 24.5% APR variable |
| Purchase rate | 24.5% variable for purchases |
| Credit limit | Assumed credit limit of £1,200 |
| Annual fee | No annual fee |
* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.
Ready to apply? You can
either Check Eligibility or
Apply Now!
on American Express's Secure Website
Great For: Long balance transfer period
HSBC Balance Transfer Card *
21.9%
£0
OUR BOTTOM LINE
Take a look around and you’ll see balance-transfer offers declining. That makes the 29 months on HSBC’s Balance Transfer Card more impressive. Note that there is a balance-transfer fee of 2.75%.
Read full reviewHIGHLIGHTS
- 0% interest for 29 months on balance transfers made in first 60 days
- 2.75% balance-transfer fee applies
- 0% interest on purchases for the first 3 months
- No annual fee
KEY SCORES
| Perks | 5/5 |
| Fees | 3/5 |
| APR | 3/5 |
REPRESENTATIVE EXAMPLE
| Representative rate | 21.9% APR (variable) |
| Purchase rate | 21.9% p.a. (variable) |
| Based on an assumed credit limit of | £1,200 |
* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.
Ready to apply? You can
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Apply Now!
on HSBC's Secure Website
Great For: Really long balance transfer period
M&S Transfer Plus Credit Card *
21.9%
£0
OUR BOTTOM LINE
The M&S Transfer Plus card gives you a very long 29 months of 0% interest on balances transferred in the first 90 days. Users will have to cough up a balance-transfer fee of 2.75% though. Balancing that out, the M&S Transfer Plus also offers 0% for 3 months on purchases and M&S points on all purchases.
Read full reviewHIGHLIGHTS
- 0% interest for 29 months on balances transferred in the first 90 days (2.75% fee applies)
- 0% interest on purchases for 3 months
- Earn M&S points for shopping at M&S and elsewhere
KEY SCORES
| Perks | 5/5 |
| Fees | 4/5 |
| APR | 4/5 |
REPRESENTATIVE EXAMPLE
| Representative rate | 21.9% APR (variable) |
| Purchase rate | 21.9% p.a. (variable) |
| Assumed credit limit | £1,200 |
* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.
Ready to apply? You can
either Check Eligibility or
Apply Now!
on M&S Bank's Secure Website