The Yonder Reward Credit Card stands out for urban dwellers, especially those in London and major UK cities. Cardholders earn 1–5 points per £1 spent, depending on the retailer, with rewards redeemable at select bars, restaurants, gyms, and entertainment venues. The curated partner network updates frequently, focusing on unique experiences and lifestyle perks. With no foreign transaction fees and potential annual rewards exceeding £500 in dining and experiences if you maximise spending at Yonder partners, this card is top-tier for those who enjoy social spending. The annual fee is £15 per month (£180 per year).

Lloyds Ultra Credit Card

Released in 2025, the Lloyds Ultra Credit Card offers 1% cashback on all purchases in the first year and 0.25% after that, with no cap on earnings. Cashback is credited annually and applies to all spending, including abroad and on recurring subscriptions. It matches leading competitors but with the added perk of no overseas transaction fees, making it excellent for both domestic and international use.

Barclaycard Rewards Credit Card

The Barclaycard Rewards Credit Card is ideal for those seeking straightforward cashback, offering 0.25% back on all purchases, no annual fee, and zero foreign transaction charges. It’s one of the easiest solutions for people who travel frequently or want consistent cashback without worrying about rotating categories or merchant restrictions.

Amazon Barclaycard

Targeted at Amazon shoppers, the Amazon Barclaycard provides 1% cashback (issued as Amazon rewards) on Amazon, Audible, Kindle, and Prime Video purchases, plus 0.5% cashback on other spending in the first year and 0.25% after. Prime members can earn double rewards on special events like Prime Day. New users can get a bonus, and points can be swiftly redeemed for Amazon gift cards, making this a solid choice for regular Amazon users.

John Lewis Partnership Card

This card rewards loyalty with points: you earn triple points at John Lewis or Waitrose for the first 90 days and then 5 points per £4 at John Lewis/Waitrose and 1 point per £4 spent elsewhere. Points convert into John Lewis or Waitrose vouchers, and there’s a 0% spending period for six months. This card is perfect for frequent John Lewis or Waitrose customers seeking in-store bonuses.

Asda Money Credit Card

The Asda Money Credit Card offers 1% cashback (in Asda Pounds) when you shop at Asda and 0.3% cashback elsewhere. Cashback accrues as Asda Pounds, which can be turned into store or online vouchers for Asda shopping. It’s low effort for those who frequently shop at Asda stores.

Tesco Clubcard Credit Cards

Tesco Clubcard Credit Cards convert your everyday spending into Tesco Clubcard points. Points accrue faster on Tesco spending compared to other merchants and can be redeemed for shopping vouchers or exchanged for greater value at Tesco’s Clubcard partners. It’s an excellent pick for regular Tesco shoppers wanting to stretch their grocery budgets.