1.Barclaycard Rewards Credit Card
Barclaycard
- 1%Cashback on everyday spending
New applicants can receive up to 12 months of 1% cashback on eligible purchases (reverting to a standard 0.25% after the promotional period).
Get 1% cashback on eligible purchases for up to 12 months.
28.9% Variable APR
The Barclaycard Rewards Credit Card stands out as the top choice because it offers a straightforward cashback structure with no annual fees and no foreign transaction fees, making it ideal for everyday spending.
Pros:
- No fees abroad
- 1% cashback on everyday spending
Cons:
- No traditional welcome bonus
- Cashback reverts to lower rate after 12 months
2.American Express Preferred Rewards Gold Credit Card
American Express
- 1%Membership Rewards points on all spending
Earn 40,000 Membership Rewards points when you spend £5,000 in the first six months.
You get 1 Membership Rewards point for every £1 you spend.
85.8% Variable APR
What sets the American Express Preferred Rewards Gold Credit Card apart is its generous welcome bonus and the ability to earn flexible Membership Rewards points, making it a premium choice for frequent travelers.
Pros:
- Robust welcome bonuses
- Airport lounge access
Cons:
- High annual fee after the first year
- APR can be high
3.Tesco Bank Clubcard Credit Card
Tesco Bank
- 5%Points for every £4 spent at Tesco
- 1%Points for every £8 spent elsewhere
Generally does not offer a traditional upfront cash or points welcome bonus.
Collect Clubcard points on spending.
12.9%-29.9% Variable APR
The standout feature of the Tesco Bank Clubcard Credit Card is its ability to earn Clubcard points on every purchase, providing significant value for regular Tesco shoppers.
Pros:
- No annual fee
- Earn Clubcard points on all spending
Cons:
- No upfront welcome bonus
- Limited rewards outside Tesco
4.M&S Credit Card
M&S Bank
- 5%Vouchers for spending at M&S
Spend £150 across 2+ transactions at M&S in your first 3 months.
Earn £5 in vouchers for every £100 spent at M&S.
23.9% Variable APR
This card shines for its ability to convert everyday spending into M&S vouchers, making it a great option for loyal M&S customers looking to maximize their rewards.
Pros:
- No annual fee
- Earn vouchers on M&S spending
Cons:
- Limited to M&S for maximum rewards
- APR can be high
5.NatWest Reward Credit Card
NatWest
- 1%Cashback on supermarket spending
- 15%Cashback with partner retailers
No traditional lump-sum welcome bonus.
Earn 1% back on supermarket spending and up to 15% with partner retailers.
24.9% Variable APR
A key differentiator for the NatWest Reward Credit Card is its MyRewards program, allowing cardholders to earn cashback on a variety of purchases, making it versatile for everyday use.
Pros:
- Cashback on supermarket spending
- Flexible redemption options
Cons:
- Annual fee applies
- No upfront welcome bonus
Did you know?
Paying your statement in full avoids most APR charges. Rewards only beat interest costs when you never carry a balance.
Final Words
As you consider the best credit cards for good credit this June 2026 in the UK, remember to evaluate the rewards, fees, and benefits that align with your spending habits. Take time to compare your options carefully to make informed decisions that will enhance your financial well-being.
Frequently Asked Questions
The Barclaycard Rewards Credit Card offers an attractive cashback option, allowing new applicants to receive up to 12 months of 1% cashback on eligible purchases (reverting to a standard 0.25% after the promotional period). With an annual fee of £0, it's a great option for those looking to earn rewards without extra costs.
With the American Express Preferred Rewards Gold Credit Card, you can earn 40,000 Membership Rewards points when you spend £5,000 in the first six months. The card also offers a reward rate of 1 Membership Rewards point for every £1 you spend, making it ideal for those who want to accumulate points on their purchases.
The Tesco Bank Clubcard Credit Card allows you to collect Clubcard points on your spending. You earn 5% points for every £4 spent at Tesco and 1% points for every £8 spent elsewhere, though it generally does not offer a traditional upfront cash or points welcome bonus.
Some credit cards for good credit may have no annual fees, like the Barclaycard Rewards Credit Card, while others, like the American Express Preferred Rewards Gold Credit Card, may charge an annual fee of £195. It's important to compare the benefits against any fees to determine the best value for your spending habits.
Eligibility for credit cards typically requires you to have a good credit history, be at least 18 years old, and be a UK resident. Lenders may also consider your income and existing financial commitments when assessing your application.
To choose the best credit card, consider your spending habits, whether you prefer cashback or rewards points, and any annual fees associated with the card. Comparing the benefits, welcome bonuses, and reward structures of various options can help you make an informed decision.
The application process for a credit card can often be completed within minutes online, with most lenders providing a decision almost immediately. However, if additional documentation is required or for higher-tier cards, it may take a few days to receive a final decision.
