1.American Express Cashback Everyday Card
American Express
- 5%Cashback on purchases for the first five months (capped)
- 1%Cashback on all other purchases
Earn 5% cashback on spending in the first five months, capped at £125.
Earn cashback on all purchases.
29.4% APR variable
The American Express Cashback Everyday Card is an excellent choice for those looking to maximize their cashback on everyday purchases, especially with its generous introductory offer of 5% cashback for the first five months.
Pros:
- No annual fee
- High cashback rate for the first five months
Cons:
- Capped cashback during the promotional period
- Requires a minimum spend to earn cashback
2.Platinum Cashback Credit Card
American Express
- 5%Cashback on purchases
- 1%Cashback on all other purchases
Earn a one-time £200 cash bonus once you spend £500 on purchases within the first 3 months from account opening.
Get cashback on your purchases with a great range of benefits.
35.0% APR variable
What sets the Platinum Cashback Credit Card apart is its ability to offer a substantial welcome bonus and a competitive cashback rate, making it a strong contender for those who spend significantly.
Pros:
- High cashback rate on spending
- Attractive welcome bonus
Cons:
- Annual fee applies
- Higher APR
3.Amex Preferred Rewards Gold
American Express
- 3%Points on travel and hotels
- 1%Points on all other purchases
Earn 20,000 Membership Rewards points when you spend £3,000 in your first three months.
Earn points on travel, hotels, shopping and more.
86.3% Variable APR
The Amex Preferred Rewards Gold card is the best option for frequent travelers, offering a robust rewards structure with 3 points per £1 spent on travel and hotels, plus a generous welcome bonus.
Pros:
- No annual fee
- High rewards on travel and hotels
Cons:
- High APR
- Minimum spend required for bonus
4.Chase Debit Card
Chase
- 1%Cashback on groceries, transport, fuel, and EV charging for the first year
N/A
Earn 1% cashback on specific UK spending for new customers for the first year.
The Chase Debit Card stands out as the top choice because it offers a straightforward 1% cashback on essential spending categories for new customers during the first year.
Pros:
- No annual fee
- Straightforward cashback on essential spending
Cons:
- Limited to first year for new customers
- Capped cashback
5.Barclaycard Rewards
Barclaycard
- 0.25%Cashback on eligible purchases
N/A
Get 0.25% cashback on eligible purchases.
28.9% APR variable
The Barclaycard Rewards card is designed for those who want a no-fee option that still offers cashback on everyday purchases, although the rate is relatively low.
Pros:
- No annual fee
- Cashback on everyday spending
Cons:
- Low cashback rate
- Limited rewards on foreign spending
6.Hilton Honors Plus Debit Card
Currensea
- 4.5%Points on eligible purchases
- 1.5%Points on all other purchases
Earn 10,000 Hilton Honors points when you spend £2,500 in foreign currency within your first six months.
Earn Hilton Honors Points on everyday eligible purchases.
The Hilton Honors Plus Debit Card is tailored for travelers who frequently spend abroad, offering significant rewards and elite status benefits.
Pros:
- Instant Gold Elite status
- No foreign exchange fees
Cons:
- High annual fee
- Requires spending in foreign currency for bonus
7.Marriott Bonvoy Premium Debit Card
Currensea
- 3%Points per £1 spent
- 1.5%Points per £1 spent
Earn 30,000 bonus points when spending £3,000 in foreign currency within the first 12 months.
Earn 1.5–3 points per £1 spent.
What sets the Marriott Bonvoy Premium Debit Card apart is its ability to earn up to 30,000 bonus points through foreign currency spending, making it an excellent choice for international travelers.
Pros:
- High welcome bonus
- Gold Elite Status
Cons:
- High annual fee
- Requires foreign currency spending for bonus
8.American Express Rewards Credit Card
American Express
- 1%Membership Rewards points on all purchases
N/A
Earn Membership Rewards points on all purchases.
29.4% APR variable
The standout feature here is that the American Express Rewards Credit Card is permanently free, allowing cardholders to earn Membership Rewards points on every purchase without the burden of an annual fee.
Pros:
- No annual fee
- Earn points on every purchase
Cons:
- Higher APR
- Limited rewards compared to other cards
9.British Airways American Express Premium Plus
American Express
- 1.5%Avios on all purchases
- 3%Avios on British Airways/BA Holidays
Collect 30,000 to 50,000 Avios after spending £6,000 within the first three months.
Earn 1.5 Avios per £1 spent, double Avios on British Airways/BA Holidays.
136.4% APR variable
The British Airways American Express Premium Plus Card offers a substantial welcome bonus and a competitive earning rate, making it a top choice for frequent travelers.
Pros:
- High welcome bonus
- Double Avios on BA purchases
Cons:
- High annual fee
- High APR
10.Barclaycard Avios Plus Mastercard
Barclaycard
- 1.5%Avios on all purchases
Collect 25,000 Avios when you spend £3,000 in the first three months.
Earn 1.5 Avios for every £1 spent.
80.1% APR variable
A key differentiator for the Barclaycard Avios Plus Mastercard is its competitive earning rate of 1.5 Avios per £1 spent, making it a solid option for those looking to accumulate Avios on everyday purchases.
Pros:
- Competitive earning rate
- Attractive welcome bonus
Cons:
- High annual fee
- High APR
11.Virgin Atlantic Reward+
Virgin Money
- 1.5%Virgin Points on all purchases
- 3%Virgin Points on Virgin Atlantic/Holidays
Earn 18,000 bonus points with your first card purchase, made within 90 days of taking out the card.
Earn 1.5 Virgin Points for every £1 spent.
69.7% APR variable
The Virgin Atlantic Reward+ Credit Card offers significant, accelerated rewards including up to 36,000 bonus points for new users, making it a valuable option for frequent travelers.
Pros:
- Significant welcome bonus
- High earning rate on Virgin purchases
Cons:
- Annual fee applies
- High APR
Final Words
As you consider the best rewards credit cards this February 2026, remember that the right choice hinges on your spending habits and lifestyle. Take time to compare the options available to ensure you select a card that maximizes your rewards and benefits, ultimately enhancing your financial experience.
Frequently Asked Questions
Earn 5% cashback on spending in the first five months, capped at £125. Additionally, you can earn cashback on all purchases, making it a great choice for everyday spending.
With the Platinum Cashback Credit Card, you can earn a one-time £200 cash bonus once you spend £500 on purchases within the first 3 months from account opening. You also get 5% cashback on purchases, plus 1% cashback on all other purchases.
With the Amex Preferred Rewards Gold, you earn 20,000 Membership Rewards points when you spend £3,000 in your first three months. You can earn 3% in points on travel and hotels, and 1% on all other purchases.
Many cashback cards, like the American Express Cashback Everyday Card, have no annual fee, making them accessible for most users. However, some cards, such as the Platinum Cashback Credit Card, do charge an annual fee, so it's important to weigh the benefits against the costs.
To choose the best rewards credit card, consider your spending habits, the types of rewards you prefer (cashback, points, etc.), and any annual fees. Compare the welcome bonuses and ongoing rewards rates to find a card that aligns with your financial goals.
The application process for rewards credit cards typically involves completing an online form where you provide personal and financial information. Approval can be instant or take a few days, and it's wise to check your credit score beforehand to ensure you meet eligibility requirements.
Yes, most rewards credit cards require a good to excellent credit score for approval. However, some cards are designed for those with fair credit, so it's worth exploring options that match your credit profile.
