1.American Express Preferred Rewards Gold Credit Card
American Express
- 5%Bonus Membership Rewards points when you spend £10,000
- 1%Membership Rewards points for every £1 spent
Earn 40,000 Membership Rewards points when you spend £5,000 in the first six months.
Earn 1 Membership Rewards point for every £1 spent. Plus, you get 5,000 bonus Membership Rewards points when you spend £10,000.
85.8% APR variable
The American Express Preferred Rewards Gold Credit Card stands out as the top choice because of its exceptional welcome bonuses and the flexibility of Membership Rewards points, which can be transferred to major airline and hotel loyalty programs.
Pros:
- Robust welcome bonuses
- Airport lounge access
Cons:
- High annual fee after the first year
- Spending threshold for bonuses
2.American Express Platinum Cashback Everyday Credit Card
American Express
- 5%Cashback on purchases for the first 5 months
- 0.75%Cashback on all other purchases
Get 5% cashback on your purchases for the first 5 months, up to a maximum of £125.
Earn 5% cashback on purchases for the first 5 months, then 0.75% on all other purchases.
29.1% APR variable
What sets the American Express Platinum Cashback Everyday Credit Card apart is its high initial cashback rate of 5% on all purchases for the first five months, making it an excellent choice for new cardholders looking to maximize rewards.
Pros:
- No annual fee
- High cashback rate initially
Cons:
- Limited time for high cashback
- Lower cashback rate after initial period
3.Barclaycard Rewards Visa
Barclaycard
- 1%Cashback on eligible purchases for up to 12 months
- 0.25%Cashback on all other purchases
Get 1% cashback on eligible purchases for up to 12 months.
Earn 1% cashback on eligible purchases for up to 12 months, then 0.25% on all other purchases.
28.9% APR variable
The standout feature of the Barclaycard Rewards Visa is its 0% foreign transaction fees, making it a top choice for travelers who want to earn cashback without incurring additional costs abroad.
Pros:
- No annual fee
- 0% foreign transaction fees
Cons:
- Cashback rate decreases after 12 months
- Limited to eligible purchases
4.Chase UK Cashback Card
Chase
- 2%Cashback during the grace period
- 1%Cashback on specific categories after the grace period
Earn 2% cashback on eligible debit and credit card spending during the initial grace period.
Earn 2% cashback during the grace period, then 1% on specific categories.
24.9% APR variable
This card shines for its 0% interest on purchases for up to 15 months, making it an excellent option for those looking to finance larger purchases while still earning cashback.
Pros:
- No annual fee
- 0% interest on purchases for up to 15 months
Cons:
- Cashback limited to specific categories
- Requires a Chase current account
5.Tesco Bank Clubcard Credit Card
Tesco Bank
- 5%Points per £4 spent at Tesco
- 1%Points for every 2 litres of Tesco fuel
- 1%Points per £8 spent elsewhere
N/A
Earn 5 points per £4 spent at Tesco, 1 point for every 2 litres of Tesco fuel, and 1 point per £8 spent elsewhere.
12.9%-29.9% variable
A key differentiator for the Tesco Bank Clubcard Credit Card is its ability to earn Clubcard points on all purchases, allowing cardholders to maximize their rewards across various spending categories.
Pros:
- Collect Clubcard points on all spending
- No annual fee
Cons:
- No traditional welcome bonus
- Variable APR based on credit score
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 rewards credit cards this June 2026 in the UK, remember that the right card can significantly enhance your spending power and benefits. Take time to compare the options available to you and make informed decisions that align with your financial goals.
Frequently Asked Questions
The American Express Preferred Rewards Gold Credit Card offers a welcome bonus of 40,000 Membership Rewards points when you spend £5,000 in the first six months. You can earn 1 Membership Rewards point for every £1 spent, plus an additional 5,000 bonus points when you spend £10,000.
With the American Express Platinum Cashback Everyday Credit Card, you can get 5% cashback on your purchases for the first 5 months, up to a maximum of £125. After that, you will earn 0.75% cashback on all other purchases.
The Barclaycard Rewards Visa offers a welcome bonus of 1% cashback on eligible purchases for up to 12 months. After this period, you will earn 0.25% cashback on all other purchases.
Some cashback credit cards have no annual fees, making them an attractive option for many users. However, premium cards with higher rewards rates may charge annual fees, so evaluate whether the potential rewards justify the cost based on your spending habits.
When selecting a rewards credit card, consider factors like annual fees, reward rates, and welcome bonuses. It's also important to assess your spending patterns to choose a card that maximizes your rewards for everyday purchases.
To apply for a rewards credit card, visit the provider's website and fill out the online application form. Ensure you have your personal details, financial information, and identification ready to streamline the process.
Eligibility for rewards credit cards typically includes being at least 18 years old, a UK resident, and having a good credit score. Some cards may also require a minimum income or certain employment status.
