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★ THE HONEST NUMBER ON EVERY CARD IN THE UNITED KINGDOM185 CARDS TRACKEDNO BIAS · NO SIGNUP · 60 SECONDSAMERICAN EXPRESS · BARCLAYCARD · NATWEST · ROYAL BANK OF SCOTLAND · HSBC UK · LLOYDS BANK · NEWDAY

You're probably losinga trip to Paris every year!

Most cardholders never check whether their card fits how they actually spend. In about 60 seconds, we'll match your spending against the 185 cards we track in the United Kingdom — and show you what the difference could buy.

Calculate My Rewards

*every number on this page comes from the 185 cards in our United Kingdom catalogue.

FIND YOUR MISSING POINTS
•••• •••• 8793
Tell us roughly how you spend and we'll rank the 185 cards we track in the United Kingdom against it.
NO SIGNUP · TAKES 60 SECONDS
Start the 60-second quiz

The honest number on every card in the United Kingdom.

the full index · pointsexplained.com/uk185 CARDS

CardFeeWelcomeTop rate
£02,000 pts1x Other
£0/month5,000 pts—
Business Credit Card
Royal Bank Of Scotland
£30—1% eligible fuel and EV charging providers
£030,000 pts—
£95—6x spend at eligible Marriott properties
£30—1% fuel and EV charging
£0—0.25% OtherNot yet checked with NewDay
£0—1x Other
£0——
£3/month——

not yet checked against a published document

175 more, ranked for your exact spending
See my full ranking

United Kingdom, by the numbers.

i.
185
cards tracked
ii.
48
issuers covered
iii.
117
fees confirmed from issuer terms
iv.
100%
unbiased & free, always

Short reads, straight answers.

01

How to actually value a point

Why "1 point = 1p" is usually wrong — and the number that matters.
6 MIN
1p1.6p2.1pSAME POINT ·2× THE VALUE
02

Welcome bonuses, decoded

The minimum-spend traps, and clearing a bonus without overspending.
5 MIN
SPEND £3,000 IN 3 MONTHSOVERSPEND TRAP15,000PTS
03

Is an annual fee ever worth it?

The break-even math, in one rule of thumb.
4 MIN
FEE −£156EARN +£1,576EARN OUTWEIGHS FEE
04

The referral effect

Why one friend's pick becomes the office default — and how to benefit.
3 MIN
YOU+£50+£50ONE PICK → FOUR FRIENDS
POINTSEXPLAINED · CLAIM TICKET Nº 0001EXPIRES: NEVER · TAKES 60 SEC

Your spending already earned it.
Come collect.

MEMO: free · no signup · ranked against every card we track in the United Kingdom
VOID IF UNCLAIMED

How it works — and where to start.

i.

Tell us how you spend

A few numbers, no account — about sixty seconds.

ii.

We run the numbers

First-year value across 185 cards: bonus + earn − fee, using only figures we hold.

iii.

You pick your winner

Clear, easy, yours. Then apply in minutes.

★ BROWSE BY CATEGORY · UNITED KINGDOMSCROLL TO EXPLORE · HOVER FOR EXAMPLESTAP FOR EXAMPLES
NO ANNUAL FEE№ 1

No Annual Fee

74 cards in the United Kingdom.

74 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 1

Yonder Free Credit Card · Barclaycard Avios · HSBC Premier Credit Card

Browse all 74
LOW INTEREST№ 2

Low Interest

54 cards in the United Kingdom.

54 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 2

3-Year Fixed Rate Credit Card · All in One Credit Card · Asda Money Balance Transfer Credit Card

Browse all 54
REWARDS№ 3

Rewards

45 cards in the United Kingdom.

45 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 3

Barclaycard Avios · HSBC Premier Credit Card · NatWest Business Credit Card

Browse all 45
BALANCE TRANSFER№ 4

Balance Transfer

42 cards in the United Kingdom.

42 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 4

All in One Credit Card · Asda Money Balance Transfer Credit Card · Balance Transfer Credit Card

Browse all 42
BUSINESS№ 5

Business

38 cards in the United Kingdom.

38 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 5

Business Credit Card · NatWest Business Credit Card · Amazon Business American Express® Card

Browse all 38
CASH BACK№ 6

Cash Back

30 cards in the United Kingdom.

30 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 6

Business Credit Card · Pulse Mastercard · All in One Credit Card

Browse all 30
0% INTRO PURCHASES№ 7

0% Intro Purchases

30 cards in the United Kingdom.

30 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 7

All in One Credit Card · Balance Transfer Credit Card · Balance Transfer Credit Card

Browse all 30

Questions, answered plainly.

How is "first-year value" calculated?

Welcome bonus plus earn rates against your actual spending, minus the annual fee — using only the figures we hold for each card, and leaving out any we have not confirmed.

How do you make money if it's unbiased?

Today it doesn't: PointsExplained has no affiliate partnerships and earns nothing from card issuers. Rankings are driven by value to you, by the same rules for every card — and we show the math.

Where do the card details come from?

The issuer's own published terms, and in some countries the regulator's own product data. Where we hold a figure we print it; where we don't, we leave it blank and say so rather than guess.