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Cashback credit cards

We compare every cashback card available in the UK. You can earn up to 5% cashback with some of the credit cards available today, so if you always pay your bill in full, why not think about getting a cashback card and getting rewarded for your spending?

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Capital One Classic Extra
no 0% intro
34.9% interest
3.00% no 0% intro
34.9% interest

Uncapped cashback

34.9%
APR
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Card info Card rating

Build your credit rating while earning 0.5% cashback on everything you buy

Representative example: If you spend £1,200 at a purchase rate of 34.94% (variable) your Representative APR will be 34.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

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  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
American Express Platinum Cashback
no 0% intro
14.0% interest
3.00% 0 months
14.0% interest

Uncapped cashback

18.7%
APR
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Card info Card rating

Receive 5% cashback, up to £125 in the first 3 months

Representative example: If you spend £1,200 at an interest rate of 14.0% (variable) with a £25 annual fee your Representative APR will be 18.7% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
American Express Platinum Cashback Everyday
no 0% intro
19.9% interest
3.00% no 0% intro
19.9% interest

Uncapped cashback

19.9%
APR
Apply
Card info Card rating

Receive 5% cashback, up to £100 in the first 3 months, with no annual fee

Representative example: If you spend £1,200 at a purchase rate of 19.9% (variable) your Representative APR will be 19.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Santander 123
0 months
12.7% interest
5.00% 18 months
0.0% interest

cashback

16.5%
APR
Apply
Card info Card rating

Get 3% cashback on fuel, National Rail & TFL travel, plus 1% at supermarkets

Representative example: If you spend £1,200 at an interest rate of 12.7% (variable) with a £24 annual fee your Representative APR will be 16.5% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Double Points on Fuel AA Rewards
12 months
0.0% interest
3.00% 10 months
0.0% interest

Rewards points

16.9%
APR
Apply
Card info Card rating

Earn Rewards Points towards cash back, shopping vouchers and more

Representative example: If you spend £1,200 at a purchase rate of 16.9% (variable) your Representative APR will be 16.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Capital One Aspire Elite
no 0% intro
17.6% interest
0.00% 0 months
17.6% interest

Uncapped cashback

19.9%
APR
Apply
Card info Card rating

5% cashback for 3 months, then up to 2% thereafter. Benefit from a concierge service

Representative example: With a credit limit of £12,000, an annual fee of £120 and a purchase rate of 17.57% (variable) your Representative APR will be 19.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Double Points on Fuel AA Balance Transfer
16 months
0.0% interest
2.90% 3 months
0.0% interest

Rewards points

17.9%
APR
Apply
Card info Card rating

Save money on existing credit and store card balances, plus earn reward points

Representative example: If you spend £1,200 at a purchase rate of 17.9% (variable) your Representative APR will be 17.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details

Cashback credit cards: help, tips & providers

About cashback credit cards

What is a cashback credit card?

A cashback card is, as the name suggests, a credit card that gives cashback on your spending. They tend to calculate the amount of cashback you have earned during a set period and then deduct that from your bill for that month.

Are there any drawbacks to a cashback card?

Cashback credit cards, as with most rewards cards, often have high interest rates on purchases. They are aimed at customers who pay their bill in full each month and don’t rely on the credit facility, the card providers then reward these good customers with schemes such as cashback. If you don’t think you’ll be able to pay your bill in full each month, then you may want to consider a purchase credit card instead, as any interest charged will wipe out the benefit of the cashback.

It’s also worth taking into account how much you spend each month and where you spend your money, some cards offer higher rates of cashback on certain items whereas other cards offer higher rates of cashback if you spend a certain amount in a year.

Can anyone get a cashback card?

Cashback cards are typically aimed at those with excellent ratings, so if you’ve missed any payments recently on your current card then you may not be accepted. You can use our free Card Matcher tool to check the likelihood of being accepted for a card before you apply.

You can also check your credit rating for free to find out what you can do to make sure you get the credit you want.

Which providers offer this type of card?

Several credit card providers offer cards with cashback, but the most common are Capital One, Nationwide and Santander.