Best Rewards Credit Cards this January 2026 in the UK

What sets the American Express Everyday Cashback Credit Card apart is its generous 5% cashback offer for the first five months, making it an excellent choice for new cardholders looking to maximize their rewards on everyday spending.

The American Express Everyday Cashback Credit Card offers excellent cash back rewards, including a welcome bonus of 5% cashback on spending for the first five months, up to £125.

The average credit limit for members with the American Express Everyday Cashback Credit Card is around £7,480, with £1,000 being the most common limit.

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 that can significantly enhance your points balance.

The Amex Preferred Rewards Gold is a great travel rewards card with no annual fee and a welcome bonus of 20,000 Membership Rewards points when you spend £3,000 in your first three months.

The Amex Gold earns Membership Rewards points, while the Blue Cash Preferred earns cash back in the form of Reward Dollars.

The standout feature of the Lloyds Ultra Card is its 1% cashback on all purchases for the first year, making it an attractive option for those looking to maximize rewards on everyday spending without incurring annual fees.

The Lloyds Ultra Card offers 1% cashback on all purchases for the first 12 months, with no annual fee and a variable APR of 12.9%.

To be eligible for the Lloyds Ultra Card, you must be a UK resident, at least 18 years old, have a regular annual income, and not have any County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs), or bankruptcy.

Yes, you can use your Lloyds Ultra Card abroad just like at home, and you will receive the same level of protection under Section 75 of the Consumer Credit Act 1974.

The Halifax Clarity Credit Card shines for its lack of foreign transaction fees, making it an excellent choice for travelers who want to avoid extra charges while spending abroad.

The Halifax Clarity Credit Card Mastercard has no foreign transaction fees, making it ideal for spending abroad. Additionally, there are no fees for ATM withdrawals overseas.

You won't incur foreign transaction fees with the Halifax Clarity Credit Card, but be aware of potential interest charges on non-sterling purchases.

Yes, the Halifax Clarity Credit Card is a Mastercard.

The Halifax Clarity Credit Card offers no foreign transaction fees, making it a great choice for international purchases.

The Barclaycard Rewards Visa is particularly suited for everyday spending, offering 0.25% cashback on eligible purchases without an annual fee, making it a practical choice for those looking to earn rewards on their daily expenses.

Yes, the Barclaycard Rewards Visa has no fees on purchases abroad, allowing you to spend and withdraw cash without any charges.

You earn 0.25% cashback on eligible purchases, credited annually to your statement or upon request, and there are no fees for transactions abroad.

Yes, after opening your Barclaycard Avios Plus account, you'll receive instructions from DragonPass to access airport lounge membership.

The Barclays Rewards Visa card is excellent for earning cashback on everyday spending and has no fees for non-sterling transactions, making it ideal for overseas use.

The Tesco All Round Credit Card is a solid option for Tesco shoppers, allowing cardholders to earn Clubcard points on their spending, which can be redeemed for discounts and rewards at Tesco.

An all-rounder credit card allows you to make balance transfers, money transfers, and new purchases all with one card.

To qualify for a Tesco credit card, your eligibility will be assessed based on your income, credit score, outstanding debts, and any fraud prevention database records. Have your address for the last 3 years and your annual income ready.