Consumers who use their credit cards in a savvy way could find they receive a number of rewards this Christmas, research from Defaqto shows.

Analysis of the market shows that 13 credit cards offer cashback rewards that improve the more the card is used.

David Black, Defaqto's insight analyst for banking, said: "If you are confident that you can always repay the entire outstanding balance on your credit card every month then it makes sense to choose a card that offers rewards."

He explained that Christmas is an expensive time for many people, so choosing the right card can mean that they are able to earn the more they spend.

There are four types of rewards available, Mr Black highlighted, which are cashback, points schemes, shopping rewards and air miles.

The expert urged anyone who would like a credit card to help them with their festive spending to consider making an application now so they have it in time.