1.Tesco Bank Credit Card
Tesco Bank
- 5%Points earned at Tesco
- 1%Points earned elsewhere
N/A
Earn 5 points for every £4 spent in Tesco (including fuel) and 1 point for every £8 spent elsewhere. Points can be converted into vouchers for discounted shopping, fuel, or 2x value with Reward Partners.
12.9%-29.9% Variable APR
The Tesco Bank Credit Card stands out as a great choice for those who frequently shop at Tesco, offering generous points on purchases. With no annual fee and the ability to convert points into vouchers, it provides excellent value for everyday spending.
Pros:
- No annual fee
- Earn points on everyday spending
Cons:
- Variable APR can be high
- Points earning rate changes for outside spending
2.John Lewis Partnership Credit Card
John Lewis
- 5%Points earned at John Lewis and Waitrose
- 1%Points earned elsewhere
New customers can enjoy double points on eligible spend at John Lewis and Waitrose for the first 60 days.
Earn 5 points for every £4 spent at John Lewis and Waitrose, and 1 point per £4 spent elsewhere.
29.9% Variable APR
What sets the John Lewis Partnership Credit Card apart is its ability to earn double points for the first 60 days, making it an attractive option for new customers. The card rewards loyal shoppers at John Lewis and Waitrose, providing significant value for those who frequently shop at these retailers.
Pros:
- Double points for first 60 days
- No annual fee
Cons:
- Points earning rate decreases for outside spending
- Limited redemption options
3.American Express Nectar Credit Card
American Express
- 2%Points earned per £1 spent
Earn 20,000 bonus Nectar points when you spend £2,000 in your first three months.
Earn 2 Nectar points for every full £1 spent on the card.
35.8% Variable APR
The standout feature of the American Express Nectar Credit Card is its generous rewards structure, allowing cardholders to earn 2 points per £1 spent. This card is particularly appealing for those who frequently shop at Nectar partners, maximizing the value of their everyday purchases.
Pros:
- High rewards rate on spending
- Bonus points for new customers
Cons:
- Annual fee after first year
- High APR
Final Words
As you consider the best store credit cards this April 2026, remember to evaluate your spending habits and the associated fees and benefits. Take time to compare your options to ensure you make an informed decision that aligns with your financial goals.
Frequently Asked Questions
The Tesco Bank Credit Card has no annual fee and offers a variable APR ranging from 12.9% to 29.9%. You can earn 5 points for every £4 spent in Tesco (including fuel) and 1 point for every £8 spent elsewhere. Points can be converted into vouchers for discounted shopping, fuel, or 2x value with Reward Partners.
With the John Lewis Partnership Credit Card, you earn 5 points for every £4 spent at John Lewis and Waitrose, and 1 point per £4 spent elsewhere. New customers can enjoy double points on eligible spend at John Lewis and Waitrose for the first 60 days. There is no annual fee, but the APR is 29.9% variable.
The American Express Nectar Credit Card offers a welcome bonus of 20,000 bonus Nectar points when you spend £2,000 in your first three months. You earn 2 Nectar points for every full £1 spent on the card. Keep in mind there is a £30 annual fee and a variable APR of 35.8%.
When choosing a store credit card, consider your shopping habits, the rewards structure, and any associated fees. Look for cards that offer points or cashback for stores where you frequently shop to maximize your benefits.
While many store credit cards have no annual fees, some may charge an annual fee depending on the benefits offered. Always review the card's terms and conditions to understand any potential fees before applying.
You can typically apply for a store credit card online through the retailer's website or in-store. Be prepared to provide personal information, including your income and credit history, as this information will be used to assess your eligibility.
Store credit cards often provide specific rewards for purchases made at the retailer, such as points or discounts. They can also offer promotional financing options, making them a good choice if you frequently shop at that store.
