Morgan Stanley Platinum Card - Get up to 1% Cashback on everything you buy. As well as real cash rewards, it gives you great rates of interest.

 

The Platinum card differs in that it charges a higher APR, but offers cash-back on purchases. It has the same rate on balance transfers as the Gold card. Both cards provide payment protection and loss/theft cover (although you'll have to pay a small one-off charge or a percentage of the overall spending).

The Gold card has a fairly competitive APR rate with 0 % on balance transfers and purchases for the first six months of opening an account. In addition there is no annual fee and you can manage your account online.