Best Credit Card to Earn Cash Back or Points

Sainsbury's Bank Mastercard Must have a Nectar card - 8,000 bonus pts on £400+ spend at Sainsbury's/Argos in first 2mths - 2 pts per £1 spent at Sainsbury's/Argos, 1 pt per £5 spent elsewhere (1 pt = 0.5p at Nectar partners) - Up to 17mths 0% on spending, 20.9% rep APR after	An intro bonus worth £40, plus good for regular Sainsbury's shoppers. If you spend £50+ a week at Sainsbury's anyway, shift that to this card and you'll get the bonus worth £40, plus ongoing points. Points can be spent at Sainsbury's and Nectar partners such as eBay, or you can swap for BA airmiles (400 Nectar = 250 Avios). Though you can earn more with the Amex Gold or Amex Nectar cards above.
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Amazon Platinum Mastercard - £30 Amazon voucher on acceptance - 0.75 pts per £1 spent at Amazon (1.5pts/£1 for Prime members), 0.25 pts per £1 spent elsewhere (1 pt = 1p at Amazon) - 3mths 0% spending, 21.9% rep APR after	Amazon Prime members earn twice the points, which convert to Amazon vouchers – plus bonus £30 on acceptance. If you're a frequent Amazon shopper and existing Prime member (or/and can justify the fee elsewhere), this card offers the top rate per £1 spent in this guide at an equivalent 1.5% back, though just 0.25% outside Amazon. Points convert to Amazon vouchers every time you earn 1,000pts.
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John Lewis Mastercard - £30 in bonus John Lewis/Waitrose points when you spend £250+ at these stores in first 90 days - 5 pts per £4 at John Lewis or Waitrose, 1 pt per £4 spent elsewhere (1 pt = 1p at John Lewis) - My John Lewis and My Waitrose members get double points for first 90 days - 9mths 0% spending, then 18.9% rep APR	£30 intro bonus, plus a decent rate of points if you're a regular John Lewis or Waitrose shopper. Apply for this card via our links by 11.59pm on Sun 19 Dec and spend £250+ on it in John Lewis or Waitrose and you'll earn 3,000 bonus points worth £30. You'll also earn ongoing points, which can be doubled for the first 90 days if you're a My John Lewis or My Waitrose member – if you're not, both schemes are free to join. The 3,000 bonus points will be added to your account within two months of hitting the £250 trigger. Points are converted to vouchers three times a year, which you can spend at John Lewis or Waitrose.
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Lloyds Bank Mastercard - £20 bonus cashback when you spend £1,000+ in first 90 days - 0.25% cashback on all spending up to £4,000/yr and 0.5% above - Cashback paid annually in January - Fail to repay fully and it's 19.9% rep APR	Earn cashback on all spending, plus an easy £20 intro bonus. Cashback cards are now a rare breed, so this is a decent option if you'd rather cash over vouchers. Plus do £1,000 of normal spending over three months for a straightforward £20 head start. The rates are tiered, so you earn more if your annual spend hits the trigger – but don't use this as an excuse to overspend. Note, Halifax (check eligibility / apply*) also offers the exact same deal.
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M&S Bank - 2 pts per £1 at M&S in 1st year (then 1 pt/£1 at M&S), 1 pt per £5 spent elsewhere (1 pt = 1p at M&S) - 12mths 0% spending, then 19.9% rep APR	A good option for frequent M&S shoppers, plus earn double points in year one. Points automatically store up and convert to M&S vouchers in Feb, May, Aug and November, provided you've earnt at least 200 points (worth £2) in each period.
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Tesco Bank Mastercard - 1 Clubcard pt per £4 spent at Tesco, 1 pt per £8 spent elsewhere (1 pt = 1p-3p at Clubcard partners) - Up to 23mths 0% spending, then 20.9% rep APR.	No bonus, but good for Tesco shoppers wanting extra Clubcard points. This card gives an extra point for every £4 spent at Tesco, so five points including the standard 1pt per £1 you'd get from your Clubcard anyway. The secret to this card is getting the most from your points – see boost points for full help.
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Best Credit Card to Earn Cash Back or Points

Source: https://www.moneysavingexpert.com/credit-cards/best-credit-card-rewards/