Spending on a credit card doesn't have to involve getting into lots of debt. In fact, if you pay off your credit card bill in full each month, you can be rewarded for your spending with loyalty points from your favourite supermarket.
Here are the best supermarkets credit cards to have in your wallet right now.
If you are a keen Tesco shopper, the Tesco Clubcard for Purchases credit card might be right up your aisle. It allows you to collect Clubcard points as you spend, so for every £8 you spend anywhere in the world, you'll collect one Clubcard point.
But it doesn't end there – your credit card also doubles as a standard Clubcard so you'll collect points on your Tesco purchases too. At the moment you can earn five points for every £4 you spend at Tesco and on Tesco fuel.
You can then convert these Clubcard points into Avios points, days out, meals out, and much more. You can view the full list here.
It also just happens to be one of the best 0% purchase credit card around, offering a whopping 21 months free of interest. The representative APR is 18.9%.
Sainsbury's and American Express Nectar
If you shop at Sainsbury's, you might prefer to go for one of the many Sainsbury's credit cards instead.
Perhaps the best one for shoppers is the Sainsbury's Nectar Purchase Credit Card. Not only do you get to avoid interest on your spending for 25 months, but you also earn Nectar points when you shop. In the first three months you earn 2% of your Sainsbury's shopping back in Nectar points. That works out at four Nectar points for every £1 you spend in-store. You also get one point for every £5 spent elsewhere.
After that, you get two Nectar points per £1 spent in Sainsbury's.
There's also the American Express Nectar Credit Card. You earn two Nectar points for virtually every £1 you spend, which doubles to four points when you shop at Nectar partners. What's more, spend £2,000 in your first three months with the card and you'll pocket a bonus 20,000 Nectar points.
The card does cost £25 a year, though American Express is currently waiving the fee for the first year.
You earn one M&S point for every £1 you spend in store with the M&S Credit Card or for every £5 spent elsewhere. 100 points is worth £1 in M&S vouchers.
You get a bonus 500 points when you spend on food, clothing or home at M&S with your credit card. The card offers 19 months of 0% interest on purchases, after which the representative APR is 18.9%.
John Lewis Partnership
With the John Lewis Partnership card you earn one point per £1 spent in John Lewis and Waitrose and for every £2 spent everywhere else.
What's more, if you apply by 23rd April and spend by 21st May you'll get a bonus 1,000 points worth £10.
Asda Credit Card
The Asda Credit Card pays 1% cashback on your Asda shopping and fuel, and 0.5% cashback everywhere else. You can also enjoy 0% on purchases of £200 or more for six months at George.com.
Other rewards schemes
Lloyds Bank Choice Rewards
The Lloyds Bank Choice Rewards cards offer you a choice of cashback, shopping vouchers, smaller rewards such as magazine subscriptions or converting the points you've earned into Avios (there's more on Avios in the section below). So you can mix and match as you choose.
You'll also get 0% interest-free purchases and balance transfers for 24 months, with a 3% transfer fee.
You earn 50 Choice points for every £5 spent on the American Express card and 10 points for every £5 spent on the MasterCard. However, there's a £24 annual fee (though this falls to £12 if you have a Club Lloyds current account). The representative APR on the cards is 23.7%.
Barclaycard Freedom Rewards
The Barclaycard Freedom Rewards Visa offers points for your spending, which you can redeem with dozens of partners. You earn two points for every £1 spent at supermarkets, petrol stations and Transport for London, and then one point for every £1 spent elsewhere.
Rewards start with a £5 voucher for 1,750 points. The card's representative APR is 21.9%.
Airline reward cards
If you travel on a regular basis, there are plenty of reward credit cards that will help you to earn free flights (just paying fees and charges on top) or cabin upgrades, for example from Economy to Premium Economy.
A final word of warning
Finally, remember, if you're using a rewards credit card, always ensure you pay off your bill in full each month to avoid being hit with a hefty interest charge which will wipe out the rewards you've earned.
Compare top reward credit cards