Can a rewards credit card help you beat rising costs? - Which one? News (2023)

We're all spending more than we used to on groceries and other necessities, but a credit card used wisely can offer a way to offset some of that money.

Rewards credit cards pay you back a small percentage of the money you spend, either in cash or in points that can be exchanged for vouchers. By using this type of credit card for everyday expenses just like a debit card — and paying off your balance each month — you gradually accumulate rewards.

Who? crunched the numbers and found that those who spend £100 a week on some of the best deals can earn between £16 and £1695 pondback to awards for the year.

Here we compare some of the best rewards cards on the market and reveal tips and tricks to help you make the most of the offers.

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How much can you earn with a rewards credit card?

Comparing these offers can be very difficult, mainly due to many variables such as introductory bonuses, annual fees and the fact that points have different values ​​depending on the merchant.

To help you, we analyzed the top11charts available on the market to calculate how much you will earn if you spend £100 per week at a participating retailer (if specified) over a year. We then converted the prizes into cash to see how much you could earn.

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We divided the tables into cashback points and prizes and arranged the cards alphabetically.


Credit card£1 cashback tariffAnnual contributionAnnual profit from a weekly spend of £100£100 annual weekly spend (including introductory offers)APR representative
Kreditna kartica American Express Platinum Cashback0,75%A0 €B39 pond94,25 €
Kredietkaart American Express Platinum, daily cash back0,5%C0 €26 pond84,50 €29,4%
Cashback credit card for cooperativesIn the cooperative 0.5%, elsewhere 0.3%.0 €26 pond26 pond18,2%
Lloyds Cashback credit card0,25%D0 €16 pond16 pond22,9%
Santander comprehensive credit card0,5%
36 pond
26 pond26 pond27,7%

Notes on the table:All data are current as of May 24, 2023.(A)5% cashback for the first three months up to a maximum of £125, after the first three months you'll get 0.75% cashback on all purchases up to £10,000, then 1.25% cashback on spending over £10,000 during the year. (B)€25 after the first year. (C)5% cashback for the first three months, capped at £100, after the first three months you'll get 0.5% cashback on all purchases up to £10,000, then 1% on spending over £10,000 per year. (D)0.25% up to £4,000, 0.5% over £4,001 p.a.

The best cash back credit card with no annual fees is the American Express Platinum Cashback Everyday Credit Card. Who? Recommended supplier.

You can earn money by spending £100 a week84,50 €,and you are not limited to a specific merchant. Much of that comes down to the initial 5% cashback rate you get for the first three months, which drops to 0.5% after that. This means that in the second year you will earn only €26.

The American Express Platinum Cashback credit card can get you more in the first year at £94.25, but it drops to £39 in the second year, and when you factor in the £25 annual fee, it's a lot less profitable than the daily freebies. .

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Can a rewards credit card help you beat rising costs? - Which one? News (1)

reward points

Credit cardHow many points you earn at a participating merchantHow many points can you earn by spending elsewhereAnnual contributionAnnual profit from a weekly spend of £100£100 annual weekly spend (including introductory offers)APR representative
American Express Nectar credit card3 pods will be 1 poundA2 eggs for 1 pound0 €B77,50 €77,50 €35%
Asda Money credit card1%C0,3%0 €52 £72 £25,9%
John Lewis Partnership credit card5 points for 4 eurosD1 point for 4 euros0 €65 pond95 pond27,9%
M&S Shopping Plus credit card1 bod za 1 funtu1 point for 5 euros0 €52 £52 £23,9%
Sainsbury's Bank Nectar Credit Card1.5 pounds per pondmi1 point for 5 euros0 €37,50 €77,50 €22,9%
Tesco Bank All Round credit card5 points for 4 euros1 point for €80 €65 pond65 pond22,9%

Notes on the table:All figures are correct: 24.5.2023(A)20,000 Nectar points when you spend €2,000 in the offer during the first three monthsit is notincluded in this analysis as we only spend £100 per week(B)Annual fee £25 after the first year(C)£20 bonus if you sign up before 4th July 2023, set up a direct debit and spend £50 in the first 60 days(D)Triple points offer for the first three months at participating retailers(mi)8,000 Nectar points when you spend £400 in the first two months at Sainsbury's, Argos, Habitat and Tu Clothing.

Nectar points

Consistently, you can earn the most with the American Express Nectar Credit Card.

Spending £100 a week on a Nectar partner (such as Sainsbury's) would get you £77.50 free for the first year. An annual contribution of €25 applies.

You earn at least three points for every £1 spent with Nectar partners and two points for every £1 spent elsewhere.

At Sainsbury's, 500 Nectar points are worth £2.50, so if you spend £100 a week for a year, after a year you'll have 15,600 points, which is worth £77.50.

Our analysis does not take into account the offer of 20,000 Nectar points, which is available if you spend £2,000 in the first three months, as it did not fit our £100 weekly spend scenario. the card will be even more profitable.

This is much more generous than the Sainsbury's Bank Nectar Credit Card where you only earn three points for every £2 spent at Nectar Partners and one point for every £1 spent elsewhere.

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However, there's no annual fee and you can earn 8,000 Nectar points if you spend £400 in the first two months at Sainsbury's, Argos, Habitat and Tu Clothing.

This would increase your rewards to £77.50 if you then spend £100 a week for the rest of the year. Outside of the bonus period, spending £100 a week would net you £37.50.

  • Find out more:Sainsbury's Bank Nectar Credit Card has rocked

Punkty Tesco Club Card

The Tesco Bank All Round Credit Card earns you five Clubcard points for every £4 you spend in Tesco, including fuel (but not Esso). Tesco Bank is also a Which? Recommended supplier.

However, if you're considering buying this card purely for its points potential, you might want to stick with the Tesco Clubcard.

£100 worth of shopping per week can earn you £52 worth of points per year (one point per £1 spent shopping at Tesco). That's just £13 less than using a Tesco credit card.

  • Find out more:Tesco Clubcard points vibrate

John Lewis/Waitrose Points

You'd earn £65 a year with the John Lewis Partnership card, which has no annual fee.

New customers with the John Lewis Partnership card, which works in conjunction with New Day, can increase this to £95 sTriple Points offer at selected retailers for the first three months.

The card earns you five points for every £4 you spend in John Lewis or Waitrose stores, with every 500 points worth a £5 voucher. It's also one of the few cards on the market where you can also earn points when buying travel money.

However, problems arose when this card was relaunched last year. We have heard from existing customers whose credit limits have been reduced; others had problems using their new cards on certain websites, and some were removed entirely.

  • Find out more:John Lewis Partnership credit card reissue

Are rewards credit cards a good deal?

The answer to this question really depends on your shopping habits. If you're only prone to one grocery store, you can effortlessly get your money back by putting a weekly grocery store on your rewards credit card.

If you prefer to shop elsewhere, a cash back credit card may be a better option. While you may not earn a significant amount each time you spend, the rewards can add up over time.

  • Find out more:best credit cards and cash back rewards

How to increase your rewards

These cards allow you to increase your rewards in several ways.

Some rewards credit cards offer great sign-up bonuses, but check the terms and conditions as you may have to spend a certain amount within the first two or three months of owning the card.

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Credit cards that offer more generous rewards usually have an annual fee. For example, for £25 a year you can get the American Express Platinum Cashback credit card, which gives cash back at a higher rate of 0.75% after the introductory period.

You can earn even more if you pay an additional loyalty fee, but it's only worth it if you take full advantage of the rewards.

For example, the M&S Shopping Plus credit card pays one point for every £1 spent in store and online. except meWhen you add M&S Club Rewards for £10 a month, you'll earn an extra two bonus points for every £1 you spend at M&S, plus £65 M&S vouchers, free next day delivery and 32 M&S Café vouchers for hot drinks.

3 things you need to know before getting a rewards credit card

There are a few things to consider before applying.

1. They are not suitable for borrowing

Rewards credit cards tend to offer very high interest rates, so they are not the best cards to borrow from.

You should aim to pay off what you spend in full at the end of each month, otherwise the accrued interest could cancel out the benefit of what you earn in rewards.

Another type of credit card, such as a 0% interest rate, may be more suitable for you if you want to spread the cost of a large purchase.

  • Find out more:the best credit cards with 0% interest.

2. Buying additional cardholders can be risky

All credit cards offer Section 75 protection, so if you make a purchase of more than £100 but less than £30,000, the lender is just as liable as the merchant if something goes wrong.

That said, be carefulSection 75 safety traps- purchases from secondary cardholders, for example, are not protected, so it makes sense for the primary cardholder to make large purchases.

  • Find out more:Article 75 - your rights have been explained

3. Not all merchants accept Amex cards

Some merchants do not accept American Express credit cards, which may affect your ability to earn points.

The good news is that major supermarkets do, including Aldi, Asda, Co-op, Lidl, M&S, Morrisons, Sainsbury's, Tesco and Waitrose.

  • Find out more:is amex a good supplier?
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What are 3 benefits of having a Rewards credit card? ›

The pros and cons of rewards credit cards

You can earn cash back, points or miles on every purchase. You can redeem rewards for money-saving opportunities like travel bookings, statement credits and online shopping credits.

What is the benefit of rewards programs that credit card companies use? ›

Rewards programs may offer cash back on purchases, tangible services like airline miles, no interest as an introductory period or low interest, or discounts and special rates on travel and travel amenities. Some credit card reward programs combine these and other benefits.

What is the smartest way to use a credit card that has rewards? ›

Charge everything (and pay it back quickly)

So the more you charge, the greater your rewards. This doesn't mean spending more money than you have; it means using a rewards credit card for spending that you're already doing anyway. Paying off your purchases immediately allows you to avoid interest charges.

Do you think credit card rewards programs are worth it? ›

Yes, rewards credit cards are worth it as long as you don't overspend just to earn the rewards and you avoid interest charges by paying your bill in full every month. The best rewards credit cards are worth more than $2,000 in savings for the average person over the first two years of use, after annual fees.

What is the point of a rewards card? ›

Rewards cards let you earn cash back, points or miles that can enhance the value of paying with a card over cash or debit cards. However, rewards programs have rules, such as when you're allowed to redeem rewards, that can make it confusing to navigate your card's program.

What is the difference between a rewards card and a credit card? ›

Key Takeaways

Rewards credit cards typically offer cash back, points, or travel miles for every dollar you spend. Rewards cards make the most sense for consumers who pay their balance in full each month. Otherwise, the interest charges could easily exceed your rewards.

Are rewards programs effective? ›

A loyalty program can also have a significant impact on customer happiness and an overall increase in revenue. A study by McKinsey, for example, found that customers who are members of a loyalty program are 59% more likely to choose a brand over a competitor and 43% more likely to buy weekly.

What are the three types of credit card rewards? ›

Cash back, miles and points. The most common rewards cards offer one of three types of benefits: cash back, travel miles or rewards points.

What are the 2 most common types of credit card rewards that you can earn? ›

Rewards credit cards come in two main varieties: cash-back cards and travel cards. Cash-back cards pay you back a percentage of the amount of each transaction. Travel rewards credit cards give you points or miles for each dollar you spend; you redeem those rewards for free flights, hotel stays and more.

What is the golden rule of credit cards? ›

Golden Rule No. 1: Pay 100 per cent of your credit card bills as far as possible. This way you will reduce your interest outgo to a bare minimum.

What is the #1 rule of using credit cards? ›

The most important principle for using credit cards is to always pay your bill on time and in full. Following this simple rule can help you avoid interest charges, late fees and poor credit scores. By paying your bill in full, you'll avoid interest and build toward a high credit score.

What is the most you should use on your credit card? ›

Experts generally recommend maintaining a credit utilization rate below 30%, with some suggesting that you should aim for a single-digit utilization rate (under 10%) to get the best credit score.

How many rewards credit cards should I have? ›

If your goal is to get or maintain a good credit score, two to three credit card accounts, in addition to other types of credit, are generally recommended. This combination may help you improve your credit mix. Lenders and creditors like to see a wide variety of credit types on your credit report.

Do rewards cards build credit? ›

Using a rewards card responsibly can be part of building credit and improving your credit score. And that's true of any credit card, whether it offers rewards or not.

What is the disadvantages of total rewards program? ›

Disadvantages of total reward systems

Reward systems can create a work environment where the only recognition employees accept is in the form of rewards. This can discourage them from delivering quality work without an incentive.

Is cashback or rewards better? ›

Cash-back credit cards typically offer better value when the redemption options on a points card don't appeal to you. If a points card offers cash-back options at all, it may offer cash back at a lower value than other redemption options.

Which bank has better rewards in credit card? ›

Forbes Advisor Ratings
CompanyForbes Advisor India RatingReward Points
SBI SimplySAVE Credit Card4.55X, 10X reward points
SimplyCLICK SBI Credit Card4.55X, 10X reward points
BPCL SBI Credit Card (RuPay Version)4.05X, 13X reward points
RBL Bank ShopRite Credit Card3.55X, 10X reward points
1 more row
May 10, 2023

Should you have more than one Rewards credit card? ›

Having at least one credit card for the rewards and convenience can be a good idea, assuming you don't have issues managing money and will be able to make payments on time. You may want more than one if you plan to use different types of rewards or if you need additional lines of credit.

How do you use rewards effectively? ›

Here's how you best put a reward system to work.
  1. Set class goals. Set class behavior goals that are achievable and measurable. ...
  2. Define how you will use the reward system. This is the key to success. ...
  3. Explain why you gave a reward. ...
  4. Give students a voice. ...
  5. Reward early. ...
  6. Lessen the rewards over time. ...
  7. Give random rewards.
May 18, 2020

Do people like rewards programs? ›

Around the world, 56% of consumers said they're more likely to buy from a brand with a loyalty program, but 64% of loyalty program members don't redeem rewards more than a few times a year. Consumers are looking not just for personalized perks, but for perks that don't make them jump through hoops.

Do rewards increase motivation? ›

Giving rewards for hard work is one way to boost employee motivation and participation. When employees are rewarded, they feel like they trust their employer and feel supported — and that's powerful.

What are some reasons to not use a credit card? ›

What are the worst times to use a credit card?
  • When you haven't paid off the balance. ...
  • When you don't know your available credit. ...
  • When you're just doing it for the rewards (but you haven't done the math) ...
  • When you're afraid you have no other choice. ...
  • When you're in a heightened emotional state. ...
  • When you're suspicious of fraud.

What is the average spending limit for most Americans? ›

What's considered a “normal” credit limit in the U.S.? While limits may vary by age and location, on average Americans have a total credit limit of $22,751 across all their credit cards, according to the latest 2019 Experian data.

What are some credit card pitfalls? ›

Perhaps one of the riskiest things to do with your credit card is to take out a cash advance. Interest starts accruing on the amount of cash you withdraw immediately — there's no grace period like regular purchases. And you'll likely incur a cash advance fee, which can be around 5% of the advance.

What are 2 things that make credit cards worse than other forms of credit? ›

The cons of credit cards include the potential to overspend easily, which leads to expensive debt if you don't pay in full, as well as credit score damage if you miss payments.

How to get credit card rewards without spending money? ›

20 Best Ways to Earn Lots of Credit Card Rewards Points
  1. Sign up for credit cards that are offering sign-up bonuses. ...
  2. Add an authorized user. ...
  3. Sign up for emails with the credit card to take advantage of specific offers. ...
  4. Close your credit card and then reapply. ...
  5. Ask for a retention bonus. ...
  6. Pay all your utilities.
Dec 29, 2022

What are the two best ways to use a credit card to build credit? ›

Tips for using a card to build or rebuild credit
  1. Use only the credit you need. One way to use a credit card to help build or rebuild credit: Use only the credit you need. ...
  2. Pay off the balance in full each month. ...
  3. Monitor your transaction history. ...
  4. Monitor your credit.
Feb 20, 2023

What are 3 credit card mistakes to avoid? ›

These 5 credit card mistakes can negatively impact your credit score and lead to debt
  • Carrying a balance.
  • Using most or all of your credit limit.
  • Taking cash advances.
  • Making late payments.
  • Chasing rewards.
  • 5 best practices when using credit cards.
Sep 28, 2022

What are two things that you should never buy with a credit card? ›

Purchases you should avoid putting on your credit card
  • Mortgage or rent. ...
  • Household Bills/household Items. ...
  • Small indulgences or vacation. ...
  • Down payment, cash advances or balance transfers. ...
  • Medical bills. ...
  • Wedding. ...
  • Taxes. ...
  • Student Loans or tuition.

What is a 5 24 rule? ›

The Chase 5/24 rule is an unofficial policy that applies to Chase credit card applications. Simply put, if you've opened five or more new credit card accounts with any bank in the past 24 months, you will not likely be approved for a new Chase card.

What is the 15 3 rule for credit? ›

The Takeaway

The 15/3 credit card payment rule is a strategy that involves making two payments each month to your credit card company. You make one payment 15 days before your statement is due and another payment three days before the due date.

What is the credit card thumb rule? ›

The credit utilization rule of thumb states that consumers should aim to use 30% or less of their available credit to maintain a healthy credit score.

What is the 30 rule on credit cards? ›

According to the Consumer Financial Protection Bureau, experts recommend keeping your credit utilization below 30% of your available credit. So if your only line of credit is a credit card with a $2,000 limit, that would mean keeping your balance below $600.

Is it good to pay off credit card in full? ›

If you regularly use your credit card to make purchases but repay it in full, your credit score will most likely be better than if you carry the balance month to month. Your credit utilization ratio is another important factor that affects your credit score.

Should I pay off my credit card in full or leave a small balance? ›

It's a good idea to pay off your credit card balance in full whenever you're able. Carrying a monthly credit card balance can cost you in interest and increase your credit utilization rate, which is one factor used to calculate your credit scores.

How much should I spend if my credit limit is $1000? ›

A good guideline is the 30% rule: Use no more than 30% of your credit limit to keep your debt-to-credit ratio strong. Staying under 10% is even better. In a real-life budget, the 30% rule works like this: If you have a card with a $1,000 credit limit, it's best not to have more than a $300 balance at any time.

Is it bad to have too many credit cards with zero balance? ›

It is not bad to have a lot of credit cards with zero balance because positive information will appear on your credit reports each month since all of the accounts are current. Having credit cards with zero balance also results in a low credit utilization ratio, which is good for your credit score, too.

Does closing a credit card lower your score? ›

Credit experts advise against closing credit cards, even when you're not using them, for good reason. “Canceling a credit card has the potential to reduce your score, not increase it,” says Beverly Harzog, credit card expert and consumer finance analyst for U.S. News & World Report.

Is 20 credit cards too many? ›

There's no such thing as a bad number of credit cards to have, but having more cards than you can successfully manage may do more harm than good. On the positive side, having different cards can prevent you from overspending on a single card—and help you save money, earn rewards, and lower your credit utilization.

How to win with Rewards credit card? ›

But if you aren't sure where to start, here are a few strategies you should reference to make the most of your credit card rewards.
  1. Ensure your reward structure matches your spending habits. ...
  2. Optimize reward categories. ...
  3. Earn your sign-up bonus. ...
  4. Explore redemption options. ...
  5. Take advantage of all your card's perks.
Apr 6, 2023

Why not to use reward systems? ›

Research studies demonstrate that when children are bribed or rewarded for behavior, it deprives them of experiencing the inherent rewards of the activity or behavior itself. The reward implies to children that the activity is unpleasant, thus making it less likely that they will do it without a prize attached.

What are the problems with reward systems? ›

The problem with most reward systems is that the design of the system itself is rooted in false assumptions about what motivates employees. Today, most company reward systems are designed with yesterday's world in mind and what past employers assumed their employees desired from their jobs.

What are the 3 main types of credit card rewards? ›

Cash back, miles and points. The most common rewards cards offer one of three types of benefits: cash back, travel miles or rewards points.

What are 3 advantages and 3 disadvantages of using a credit card? ›

Credit card pros
  • Pro: Build credit. Credit cards are some of the best tools to build credit over time. ...
  • Pro: Added security. ...
  • Pro: Benefits and rewards. ...
  • Con: High interest rates and fees. ...
  • Con: Potential credit card debt. ...
  • Con: Potential to hurt your credit score.
Mar 22, 2023

What are 3 benefits and 3 challenges to using a credit card? ›

Biggest Pros and Cons of Credit Cards
RankTop 10 Credit Card ProsTop 10 Credit Card Cons
1Credit BuildingOverspending and Debt
4Pay Over TimeFine Print
6 more rows
Jul 8, 2022

What are the most common types of rewards cards? ›

Rewards credit cards come in two main varieties: cash-back cards and travel cards. Cash-back cards pay you back a percentage of the amount of each transaction.

What are the three C's of credit cards? ›

Examining the C's of Credit

For example, when it comes to actually applying for credit, the “three C's” of credit – capital, capacity, and character – are crucial. 1 Specifically: Capital is savings and assets that can be used as collateral for loans.

What is the difference between a cash back and a Rewards credit card? ›

Rewards credit cards offer points that can be redeemed for merchandise, flights, and more, whereas cash back cards give you a fixed dollar amount for every purchase you make. Choose a credit card based on your lifestyle and what gives you the most bang for your buck.

What are the five C's of credit? ›

What are the 5 Cs of credit? Lenders score your loan application by these 5 Cs—Capacity, Capital, Collateral, Conditions and Character.

Should I have 3 credit cards? ›

It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.

Is it good to have a credit card and not use it? ›

The bottom line. Credit card inactivity will eventually result in your account being closed, so it's a good idea to maintain at least a small amount of activity on each of your cards. A closed account can have a negative impact on your credit score so consider keeping your cards open and active whenever possible.

What are the two most important things you can do to get out of credit card debt? ›

Having a concrete repayment goal and strategy will help keep you — and your credit card debt — in check.
  • Pay more than minimum. ...
  • Debt snowball. ...
  • Debt avalanche. ...
  • Automate. ...
  • 0% balance transfer credit card. ...
  • Personal loans. ...
  • Debt management plan. ...
  • Bankruptcy.
Jan 25, 2023

What are three 3 things a person should look for when getting a credit card? ›

Here's a checklist of some things to look at when you choose a credit card:
  • Annual Percentage Rate (APR). This is the cost of borrowing on the card, if you don't pay the whole balance off each month. ...
  • minimum repayment. ...
  • annual fee. ...
  • charges. ...
  • introductory interest rates. ...
  • loyalty points or rewards. ...
  • cash back.

What are 3 negatives of a credit card? ›

Here are five main cons of a credit card:
  • High-Interest Rates. If you carry a balance on your card, the interest rate can be as high as 30% or more. ...
  • Potential for Overspending. It's easy to get caught up in the moment when using a credit card instead of cash or a debit card. ...
  • High Annual Fees. ...
  • Hidden Costs. ...
  • Credit Card Debt.
Dec 21, 2022


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