Cashback Credit Cards | Compare UK Credit Cards
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Cashback cards

One of the most popular types of reward credit cards is a cashback card. As promised in the name, you earn a percentage of the amount you spend on the card in cash and this is usually paid every 12 months, although there are exceptions.

Whether you're using your card for essential purchases such as groceries, fuel and other everyday spending or luxuries like holidays and the latest must-have gadgets, it's nice to know that you'll be getting something back.

The amount of cashback offered varies between credit card providers and deals. The first three months after you take out the card are usually the most generous, but these introductory deals are often capped to prevent you from earning more than a certain amount such as £100. After the introductory period, the amount of cash back drops back.

Remember that as soon as you start to pay interest on your cashback credit card, the perk will be more than wiped out. That's why a cashback credit card is only suitable for people who clear their balance every month.

Good for: Freedom of choice. Cash back is great if you like the idea of spending your rewards as you wish and where you wish.

Bad for: Limiting your rewards. You usually only receive your cash once a year on the card's anniversary. If you don't pay off your bill in full, this isn't the card for you.

 
 
Product Name Balance Transfer Purchases Rewards Representative APR (Variable)
  • Santander
  • 123 Cashback Credit Card
  • %
  • months
  • 5.00% fee
  • %
  • months
  • You will receive 3% cashback on fuel spending (capped at £300 spend per month), 2% cashback on department store spending and 1% cashback on supermarket spending.
  • 22.80%
  • APR
Representative example: If you spend £1200.00 at a purchase interest rate (variable) of 18.90% with an annual Fee of £24.00 your representative APR (variable) will be 22.80%
  • American Express
  • Platinum Cashback
  • %
  • months
  • % fee
  • %
  • months
  • This card offers an introductory 5% cashback on your first £2,000 spend within the first 3 months. You will then receive a simple 1.25% flat rate on every full £1 spent per purchase. Spend more than £10,000 on your card in the preceding 12 months and receive an engagement bonus of double cashback every year on the 13th month of your card anniversary.
  • 18.50%
  • APR
Representative example: If you spend £1200.00 at an annual interest rate (variable) of 14.00% with an annual Fee of £25.00 your representative APR (variable) will be 18.50%
  • Creation
  • Cashback Card
  • 0.00%
  • 6 months
  • 3.00% fee
  • %
  • months
  • This card offers 1.5% cashback on all petrol and supermarket spend and 0.5% on all other retail transactions. There is a limit of £200 cashback you can earn each year.
  • 18.90%
  • APR
Representative example: If you spend £1200.00 at a purchase interest rate (variable) of 18.90% your representative APR (variable) will be 18.90%
  • Capital One
  • World MasterCard
  • %
  • months
  • 0.00% fee
  • %
  • months
  • The most cashback you can claim during the introductory period is £100, so if you spend £2,000 on the card in the first three months, you will have reached the maximum. After this, if you spend £5,999.99 or less, you will earn 0.5% cashback, rising to 1% if you spend between £6,000 and £9,999. Anyone spending over £10,000 will earn 1.25% on anything they spend above that threshold. These rates are applicable until you reach the anniversary of your account opening when you will begin earning cash back at 0.5% until you pass each purchase threshold again.
  • 19.90%
  • APR
Representative example: If you spend £1200.00 at a purchase interest rate (variable) of 19.94% your representative APR (variable) will be 19.90%
  • Capital One
  • Business Card
  • %
  • months
  • 0.00% fee
  • %
  • months
  • The most cashback you can claim during the introductory period is £100, so if you spend £2,000 on the card in the first three months, you will have reached the maximum. After this, if you spend £5,999.99 or less, you will earn 0.5% cashback, rising to 1% if you spend between £6,000 and £9,999.99. Anyone spending over £10,000 will earn 1.25% on anything they spend above that threshold. These rates are applicable until you reach the anniversary of your account opening when you will begin earning cash back at 0.5% until you pass each purchase threshold again.
  • 16.90%
  • APR
Representative example: If you spend £1200.00 at a purchase interest rate (variable) of 16.94% your representative APR (variable) will be 16.90%
  • AA
  • Rewards Credit Card
  • 0.00%
  • 12 months
  • 3.00% fee
  • 0.00%
  • 10 months
  • Earn AA Reward Points every time you spend on your AA Credit Card – earn 1 point per every £2 spent and 2 points per every £2 spent on fuel and motoring purchases. Redeem your reward points by choosing from a large range of products including high street shopping vouchers and cash back. 4,000 points equates to £80 worth of AA products, £40 shopping vouchers or £20 cash back. Earn 2% back when points earned on motoring and fuel are redeemed on AA products. AA Members earn twice as fast and can earn up to 4% back.
  • 16.90%
  • APR
Representative example: If you spend £1200.00 at a purchase interest rate (variable) of 16.90% your representative APR (variable) will be 16.90%
  • Nationwide Building Society
  • Select Card
  • 0.00%
  • 17 months
  • 2.95% fee
  • 0.00%
  • 18 months
  • You will receive 0.5% unlimited cashback on all sterling purchases.
  • 12.90%
  • APR
Representative example: If you spend £1200.00 at a purchase interest rate (variable) of 12.90% your representative APR (variable) will be 12.90%
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