Once upon a time, credit card compnaies could count on one fact - if they gave you a credit card, you'd use it for the rest of your life. We UK consumers are a loyal lot, especially when it comes to money matters. It was an accepted fact in the banking and credit community - once we sign on, we don't switch. That left them free to charge whatever interest the market would bear and raise the fees on just about everything. Then we got smart. These days, UK consumers put their money where it will earn them the most and cost them the least - and the credit card companies understand that they have to earn our loyalty. Most credit card companies now offer one or more varieties of a loyalty credit card that rewards their customers for using their card.
A loyalty credit card is a card issued by a major credit card company that offers reward points or some other loyalty programme. The idea behind those loyalty schemes is to encourage you to make their card your favorite credit card. The more you use, the more you get rewarded. The rewards may be in the form of cash back, points that you can use to purchase merchandise, discounts and special showings at your favorite designers or merchants, or special deals on travel or petrol. The credit card companies are getting more and more imaginative in offering rewards to their best customers though. We're beginning to see such rewards as special designer items created exclusively for loyalty credit card holders, tours and cruises that are only available to card holders - even special events like concerts and festivals with name acts from around the world.
We make it easy to compare the reward and loyalty schemes offered by the major credit card companies. If you think you deserve a reward for being a good and loyal customer, using your loyalty credit cards to reap the rewards, take a look at our reviews of loyalty credit cards and their schemes.
A great loyalty card which gives you great balance transfer and purchase rates plus double the usual points when you fly BMI.
| Intro APR | Transfer Rate | Transfer Fee | Standard APR | Credit Quality | Star Rating |
|---|---|---|---|---|---|
| 0% 3 months | 0% 12 months | 3% | 15.90% | Good Credit |  |
A highly competitive credit card and the only one where you will receive a gift - an Interest Payment Back to you.
| Intro APR | Transfer Rate | Transfer Fee | Standard APR | Credit Quality | Star Rating |
|---|---|---|---|---|---|
| 0% 6 months | 15.9% | Good Credit | |
A good all round rewards card with two great programmes to earn points from, American Express SelectsSM and MBNA Rewards.
| Intro APR | Transfer Rate | Transfer Fee | Standard APR | Credit Quality | Star Rating |
|---|---|---|---|---|---|
| 0% 3 months | 0% 12 months | 3% | 16.90% | Excellent Credit |  |
An interesting loyalty card that affords you a share in the profits of the business so effectively the more you spend the more you earn.
| Intro APR | Transfer Rate | Transfer Fee | Standard APR | Credit Quality | Star Rating |
|---|---|---|---|---|---|
| 15.90% | 0% 9 months | 3% | 15.90% | Good Credit | |
A great loyalty card for the discerning travel earning you points with great rates at over 3700 excellent hotels worldwide.
| Intro APR | Transfer Rate | Transfer Fee | Standard APR | Credit Quality | Star Rating |
|---|---|---|---|---|---|
| 15.90% | 0% 12 months | 3% | 15.90% | Good Credit | |
Great interest rates, loyalty point that can be spent online and a free flight for every five you book online.
| Intro APR | Transfer Rate | Transfer Fee | Standard APR | Credit Quality | Star Rating |
|---|---|---|---|---|---|
| 16.90% | 0% 6 months | 2.99% | 16.90% | Good Credit | |
If you like your gadgets and great rates of interest, what better way than to earn pulse beat points which you can use in Sony retail outlets.
| Intro APR | Transfer Rate | Transfer Fee | Standard APR | Credit Quality | Star Rating |
|---|---|---|---|---|---|
| 0% 3 months | 0% 12 months | 3% | 15.90% | Good Credit | |
