Updated October 18, 2026 · DebitCue Editorial Team

Top rewards cards compared in the United Kingdom

45 cards available in the United Kingdom, ranked for the United Kingdom.

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Top rewards cards compared in the United Kingdom
#	Card	Score	Features	Key facts	Actions
1	InstaremTop pick Special FX rate + zero fees on first transfer EUR 1 to EUR 2,000	9.1/10	No annual fee	Rewards rate: 0.5 InstaPoints per SGD spent Annual fee: SGD 0 Currency conversion fee: 0%	Review Compare Visit
2	Revolut	9.2/10	No annual fee Multi currency Virtual card	Rewards rate: 1.5 points per EUR1 Annual fee: €0 APR: 13.34% to 17.99%	Review Compare Visit
3	Union Pay International	9.6/10		Currency conversion fee: 0% Rewards type: Points Perks: Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more	Review Compare See alternatives
4	BPI Credit Cards Back-to-Back Perks: Up to PHP 18,000 worth of eGCs plus waived Annual Membership Fees	9.5/10		Rewards rate: 1 BPI Rewards Point per every PHP 35 spend Annual fee: ₱1,550 APR: 3%	Review Compare See alternatives
5	Navan Navan Expense free for the first 5 monthly expensing users on Navan Business: Free for the first 5 users, then $15 per user per month	9.4/10	No annual fee	Rewards rate: A percentage of Eligible Savings on reward-eligible bookings, percentage determined by Search Rank Annual fee: $0 Rewards type: Points	Review Compare See alternatives
6	Uni5Pay+ by Scombank	9.4/10		Currency conversion fee: 0% Rewards type: Points Perks: Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more	Review Compare See alternatives
7	AffinityPlus Credit Union Amazing Rewards - Visa Premier Select Rewards: Introductory 2.90% APR for 12 months on purchases and external transfers	9.3/10	No annual fee	Rewards rate: MyPlus Rewards points Annual fee: $0 APR: 14.65% to 18%	Review Compare See alternatives
8	National Bank of Kuwait Cards Travel at Ease With 25% Cashback: 25% cashback	9.3/10		Annual fee: KWD 30 APR: 12% Currency conversion fee: 3% to 5%	Review Compare See alternatives
9	Sainsbury's	9.1/10	No annual fee	Rewards rate: 2 points per GBP1 at Sainsbury's, 1 point per GBP5 elsewhere Annual fee: £0 APR: 20.95%	Review Compare See alternatives
10	Zilch	9.1/10	No annual fee	Rewards rate: Up to 5% back Annual fee: £0 APR: 14.9%	Review Compare See alternatives