The UK's Top Cashback Credit Cards

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Monthly Spend Monthly Spend How much do you plan to spend in the average month?
American Express Platinum Cashback
American Express Platinum Cashback Image
  • 5% cashback in first 3 months, after that it falls to 1.25%
  • £25 annual fee
  • Free purchase protection
Representative APR (variable)

18.70 %

Over 3 years (How?)

779

What's Good

  • 5% cashback on up to £2,500 of purchases in the first three months
  • 1.25% cashback on all spending above £2,500
  • 1.25% standard cashback rate
  • Double cashback of 2.5% for one month every year if you’ve spent £10,000 in 12 months

What's Bad

  • Annual fee of £25
  • Purchase rate of 14% APR, so don’t build up an interest-bearing balance else it will wipe out the benefits of cashback
  • Not as widely accepted with retailers as Mastercard or Visa

Top Features for American Express Platinum Cashback

  • Interest rate for purchases of up to 23.9% APR subject to status
  • Global Assist provides help from English-speaking doctor or lawyer 24/7 when abroad
  • Replacement Protection: items stolen or damaged within 90 days of purchase will be replaced up to a value of £2,500
  • American Express Invites gives access to event tickets before general sale
  • Travel Accident Insurance on public transport when you buy your ticket with your card
Update the calculator above

to see how much you could save with this card.

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have a UK bank or building society account
  • Have a permanent UK home address
  • Have a household income of at least £20,000
  • Have no history of bad debt
  • If self-employed, have been working for over a year
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility

Cashback Earned

We think the best way to compare cashback cards is by the cashback you would earn minus any fees.

Here’s how we’ve calculated your earnings:

YEAR 1YEAR 2YEAR 3
Cashback earned on regular spending£209£240£240
Initial bonus£125£0£0
Anniversary bonus£0£20£20
Total Cashback£334£260£260
Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free -£25-£25-£25
Total annual cashback£309£235£235
Total cashback over 3 years£779

We assume you pay back your balance in full every month. If you don’t then you may end up paying more in interest than you’ll earn in cashback.

Update the calculator above

to see how much you could save with this card.

  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 14.00 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 14.00 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 27.90 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free £25
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Income£20,000
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.99 %
Update the calculator above

to see how much you could save with this card.

American Express Platinum Cashback Everyday Card
American Express Platinum Cashback Everyday Card Image
  • 5% cashback for the first three months, up to 1.25% cashback after that
  • No annual fee
  • Free purchase protection
Representative APR (variable)

19.90 %

Over 3 years (How?)

612

What's Good

  • 5% cashback on up to £2,000 of spending in the first three months
  • After that you'll earn 0.5% cashback if you spend under £3,500 on the card, 1% between £3,501 and £7,500, and 1.25% on spending over £7,501.
  • No annual fee
  • Free purchase protection - refund if items purchased on card are lost/stolen within 90 days

What's Bad

  • Not as widely accepted as Visa or Mastercard
  • Lower ongoing cashback rates than the Platinum Cashback card
  • Interest rate of 27.9%APR on cash withdrawals

Top Features for American Express Platinum Cashback Everyday Card

  • 5% cashback for the first three months (max £100)
  • Earn up to 1.25% cashback
  • Global Assist provides help from English-speaking doctor or lawyer 24/7 when abroad
  • Travel Accident Insurance on public transport when you buy your ticket with your card
  • American Express Invites gives access to event tickets before general sale
  • Replacement Protection: items stolen or damaged within 90 days of purchase will be replaced up to a value of £2,500
Update the calculator above

to see how much you could save with this card.

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have a UK bank or building society account
  • Have a permanent UK home address
  • Have a household income of at least £20,000
  • Have no history of bad debt
  • If self-employed, have been working for over a year
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility

Cashback Earned

We think the best way to compare cashback cards is by the cashback you would earn minus any fees.

Here’s how we’ve calculated your earnings:

YEAR 1YEAR 2YEAR 3
Cashback earned on regular spending£174£174£174
Initial bonus£90£0£0
Anniversary bonus£0£0£0
Total Cashback£264£174£174
Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free -£0-£0-£0
Total annual cashback£264£174£174
Total cashback over 3 years£612

We assume you pay back your balance in full every month. If you don’t then you may end up paying more in interest than you’ll earn in cashback.

Update the calculator above

to see how much you could save with this card.

  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 19.90 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 19.90 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 27.90 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Income£20,000
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.99 %
Update the calculator above

to see how much you could save with this card.

Capital One Aspire Elite
Capital One Aspire Elite Image
  • 5% cashback on up to £4,000 of purchases in the first three months
  • £120 annual fee
  • Concierge service
Representative APR (variable)

19.90 %

Over 3 years (How?)

448

Eligibility check
unavailable
Why? This provider hasn't given us enough information to allow us to accurately calculate your eligibility
Apply now

What's Good

  • 5% cashback on up to £4,000 of purchases in the first three months
  • After that you'll earn 1% cashback if you spend under £15,000 on the card, 2% between £15,001 and £50,000, and 1.35% on spending over £50,001.
  • Concierge service to book flights, hotels, car hire and leisure activities
  • Two-year extended warranty on electrical items bought with the card

What's Bad

  • £120 annual fee
  • Have to be a big spender to qualify for the 2% cashback rate
  • Standard purchase rate of 17.57% APR, don’t build up an interest-bearing balance it will wipe out the benefits of cashback

Top Features for Capital One Aspire Elite

  • 19.9% APR representative variable – this includes the £120 annual fee
  • Standard rate for purchases is 17.57% APR
  • A high credit limit of £12,000, subject to status
  • Concierge service
  • Extended warranty on electrical items bought with the card
  • Purchase protection insurance covers you against fire, theft and accidental damage for 30 days
Update the calculator above

to see how much you could save with this card.

Is this the right card for you?

To get this card you must
  • Be over 21
  • Have experience of managing credit
  • Have an income of more than £50,000 a year

Cashback Earned

We think the best way to compare cashback cards is by the cashback you would earn minus any fees.

Here’s how we’ve calculated your earnings:

YEAR 1YEAR 2YEAR 3
Cashback earned on regular spending£140£234£234
Initial bonus£200£0£0
Anniversary bonus£0£0£0
Total Cashback£340£234£234
Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free -£120-£120-£120
Total annual cashback£220£114£114
Total cashback over 3 years£448

We assume you pay back your balance in full every month. If you don’t then you may end up paying more in interest than you’ll earn in cashback.

Update the calculator above

to see how much you could save with this card.

  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 17.57 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 17.57 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 17.57 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free £120
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age21 years
    Minimum Income£50,000
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.75 %
Update the calculator above

to see how much you could save with this card.

Asda Money Credit Card
Asda Money Credit Card Image
  • Get up to 1% cashback
  • Free delivery on Asda online orders
Representative APR (variable)

14.90 %

Over 3 years (How?)

348

What's Good

  • Get 1% cashback on Asda shopping and petrol, and 0.5% cashback everywhere else
  • No maximum cashback limit
  • 0% on balance transfers for 12 months
  • Free delivery on Asda groceries online when you spend over £125

What's Bad

  • Standard rate of 14.9% APR, don’t build up an interest-bearing balance it will wipe out the benefits of cashback

Top Features for Asda Money Credit Card

  • 0% on balance transfers for 12 months with a 2.9% fee
  • Purchase rate of 14.9% APR
  • No fees on Asda Travel Money when you pay with your Asda Money Credit Card
Update the calculator above

to see how much you could save with this card.

Cashback Earned

We think the best way to compare cashback cards is by the cashback you would earn minus any fees.

Here’s how we’ve calculated your earnings:

YEAR 1YEAR 2YEAR 3
Cashback earned on regular spending£116£116£116
Initial bonus£0£0£0
Anniversary bonus£0£0£0
Total Cashback£116£116£116
Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free -£0-£0-£0
Total annual cashback£116£116£116
Total cashback over 3 years£348

We assume you pay back your balance in full every month. If you don’t then you may end up paying more in interest than you’ll earn in cashback.

Update the calculator above

to see how much you could save with this card.

  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card 12 months
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance 2.90 %
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 14.90 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 14.90 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 27.90 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.99 %
Update the calculator above

to see how much you could save with this card.

Co-operative Bank Members' Credit Card
Co-operative Bank Members' Credit Card Image
  • Get up to 1% cashback
  • 5% discount on selected holidays
Representative APR (variable)

15.90 %

Over 3 years (How?)

327

What's Good

  • 1% cashback on spending in Co-operative Food Stores, and 0.5% cashback everywhere else
  • Cardholders get a proportional share of Co-op group profits
  • 5% discount on some holidays purchased through the Co-operative Travel

What's Bad

  • Standard rate of 15.9% APR, don’t build up an interest-bearing balance it will wipe out the benefits of cashback
  • Only available to members of the Co-Operative

Top Features for Co-operative Bank Members' Credit Card

  • Standard 15.9% APR on purchases
  • Standard 25.9% APR on cash withdrawals
Update the calculator above

to see how much you could save with this card.

Cashback Earned

We think the best way to compare cashback cards is by the cashback you would earn minus any fees.

Here’s how we’ve calculated your earnings:

YEAR 1YEAR 2YEAR 3
Cashback earned on regular spending£109£109£109
Initial bonus£0£0£0
Anniversary bonus£0£0£0
Total Cashback£109£109£109
Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free -£0-£0-£0
Total annual cashback£109£109£109
Total cashback over 3 years£327

We assume you pay back your balance in full every month. If you don’t then you may end up paying more in interest than you’ll earn in cashback.

Update the calculator above

to see how much you could save with this card.

  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 15.90 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 15.90 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 25.90 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Income£10,000
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.75 %
Update the calculator above

to see how much you could save with this card.

Capital One Classic Extra
Capital One Classic Extra Image
  • 0.5% cashback on all purchases
  • Earn a £10 annual bonus for paying on time each month
Representative APR (variable)

34.90 %

Over 3 years (How?)

318

What's Good

  • 0.5% cashback on all purchases
  • Earn a £10 annual reward if you repay your balance on time each month
  • No fees on foreign purchases

What's Bad

  • Standard rate of 34.9% APR, don’t build up an interest-bearing balance it will wipe out the benefits of cashback
  • Maximum credit limit £1,500

Top Features for Capital One Classic Extra

  • 0.5% cashback on all purchases
  • 34.94% APR applies to purchases, cash withdrawals and balance transfers
  • Maximum credit limit £1,500
Update the calculator above

to see how much you could save with this card.

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have some history of managing credit
  • Not have been registered bankrupt in the past 12 months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility

Cashback Earned

We think the best way to compare cashback cards is by the cashback you would earn minus any fees.

Here’s how we’ve calculated your earnings:

YEAR 1YEAR 2YEAR 3
Cashback earned on regular spending£106£106£106
Initial bonus£0£0£0
Anniversary bonus£0£0£0
Total Cashback£106£106£106
Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free -£0-£0-£0
Total annual cashback£106£106£106
Total cashback over 3 years£318

We assume you pay back your balance in full every month. If you don’t then you may end up paying more in interest than you’ll earn in cashback.

Update the calculator above

to see how much you could save with this card.

  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 34.94 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 34.94 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 34.94 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee n/a
Update the calculator above

to see how much you could save with this card.

Nationwide Select Credit Card (current account customers only)
Nationwide Select Credit Card (current account customers only) Image
  • 0.5% cashback on purchases
  • 0% on balance transfers for 26 months
  • 0% on purchases for 15 months
Representative APR (variable)

15.90 %

Over 3 years (How?)

288

Eligibility check
unavailable
Why? This provider hasn't given us enough information to allow us to accurately calculate your eligibility
Apply now

What's Good

  • 0.5% cashback on purchases
  • No commission fees charged when you purchase items abroad

What's Bad

  • You must have a Nationwide current account
  • Other cards pay a higher cashback rate
  • You must pay at least £750 a month into your current account to get cashback
  • No introductory offers for existing Nationwide credit card customers or people who have had a Nationwide credit card in the past 12 months

Top Features for Nationwide Select Credit Card (current account customers only)

  • 0% on balance transfers for 26 months, with a 2.4% balance transfer fee
  • 0% on purchases for 15 months
  • Standard rate of up to 15.9% APR, subject to status
  • Cash withdrawal rate of 27.9%
  • Commission-free purchases abroad
Update the calculator above

to see how much you could save with this card.

Cashback Earned

We think the best way to compare cashback cards is by the cashback you would earn minus any fees.

Here’s how we’ve calculated your earnings:

YEAR 1YEAR 2YEAR 3
Cashback earned on regular spending£96£96£96
Initial bonus£0£0£0
Anniversary bonus£0£0£0
Total Cashback£96£96£96
Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free -£0-£0-£0
Total annual cashback£96£96£96
Total cashback over 3 years£288

We assume you pay back your balance in full every month. If you don’t then you may end up paying more in interest than you’ll earn in cashback.

Update the calculator above

to see how much you could save with this card.

  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card 26 months
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance 2.40 %
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending 15 months
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 15.90 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 15.90 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 27.90 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 2.50 %
    Minimum Age18 years
    Minimum Income£5,000
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee n/a
Update the calculator above

to see how much you could save with this card.

Santander 123 Credit Card
Santander 123 Credit Card Image
  • 3% cashback on fuel and travel costs
  • Up to 2% cashback elsewhere
  • £24 annual fee
Representative APR (variable)

16.50 %

Over 3 years (How?)

186

What's Good

  • 1% cashback at all major supermarkets
  • 1% cashback at all major airlines, hotels and travel agents between 1 June and 31 August 2014
  • 2% cashback at all major department stores
  • 3% cashback at all major petrol stations and on National Rail and Transport for London travel
  • No annual fee for first year if you have a 123 current account
  • Pay 0% interest on purchases for 18 months

What's Bad

  • Annual fee of £24
  • Standard rate of 16.5% APR, don’t build up an interest-bearing balance it will wipe out the benefits of cashback

Top Features for Santander 123 Credit Card

  • 1% cashback at supermarkets including Tesco, Asda, Sainbury’s Morrisons, The Co-op, Waitrose, and Marks & Spencer
  • 2% cashback at department stores including BHS, Debenhams, House of Fraser, John Lewis, Harvey Nichols, and Selfridges
  • 3% cashback at major petrol stations, National Rail and Transport for London, capped at £300 a month spend
  • 16.5% APR on purchases and balance transfers
  • 29.9% APR on cash withdrawals
Update the calculator above

to see how much you could save with this card.

Cashback Earned

We think the best way to compare cashback cards is by the cashback you would earn minus any fees.

Here’s how we’ve calculated your earnings:

YEAR 1YEAR 2YEAR 3
Cashback earned on regular spending£78£78£78
Initial bonus£0£0£0
Anniversary bonus£0£0£0
Total Cashback£78£78£78
Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free -£0-£24-£24
Total annual cashback£78£54£54
Total cashback over 3 years£186

We assume you pay back your balance in full every month. If you don’t then you may end up paying more in interest than you’ll earn in cashback.

Update the calculator above

to see how much you could save with this card.

  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card 1 months
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance 3.00 %
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending 18 months
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 12.70 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 12.70 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 29.90 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free £24
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Income£7,500
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.95 %
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Smile Classic Card For Smile Customers
Smile Classic Card For Smile Customers Image
  • 0.25% cashback on purchases
  • 5% discount on selected holidays
Representative APR (variable)

16.90 %

Over 3 years (How?)

144

What's Good

  • Get 0.25% cashback on purchases
  • Get a 5% discount on holidays with The Co-operative Travel

What's Bad

  • You must have a Smile current account
  • Standard rate of 15.8% APR, don’t build up an interest-bearing balance it will wipe out the benefits of cashback
  • Any cashback you earn is automatically deducted from your balance the following month

Top Features for Smile Classic Card For Smile Customers

  • 15.8% APR on purchases and balance transfers
  • 23.3% APR on cash withdrawals
Update the calculator above

to see how much you could save with this card.

Cashback Earned

We think the best way to compare cashback cards is by the cashback you would earn minus any fees.

Here’s how we’ve calculated your earnings:

YEAR 1YEAR 2YEAR 3
Cashback earned on regular spending£48£48£48
Initial bonus£0£0£0
Anniversary bonus£0£0£0
Total Cashback£48£48£48
Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free -£0-£0-£0
Total annual cashback£48£48£48
Total cashback over 3 years£144

We assume you pay back your balance in full every month. If you don’t then you may end up paying more in interest than you’ll earn in cashback.

Update the calculator above

to see how much you could save with this card.

  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 16.90 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 16.90 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 25.90 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.75 %
Update the calculator above

to see how much you could save with this card.

Smile Classic Card For Non Smile Customers
Smile Classic Card For Non Smile Customers Image
  • 0.25% cashback on purchases
  • 5% discount on selected holidays
Representative APR (variable)

20.90 %

Over 3 years (How?)

144

What's Good

  • 0.25% cashback on purchases
  • Get a 5% discount on holidays booked with The Co-operative Travel

What's Bad

  • Standard rate of 20.9% APR, don’t build up an interest-bearing balance it will wipe out the benefits of cashback
  • Any cashback you earn is automatically deducted from your balance the following month

Top Features for Smile Classic Card For Non Smile Customers

  • 20.9% APR on purchases and balance transfers
  • 25.9% APR on cash withdrawals
Update the calculator above

to see how much you could save with this card.

Cashback Earned

We think the best way to compare cashback cards is by the cashback you would earn minus any fees.

Here’s how we’ve calculated your earnings:

YEAR 1YEAR 2YEAR 3
Cashback earned on regular spending£48£48£48
Initial bonus£0£0£0
Anniversary bonus£0£0£0
Total Cashback£48£48£48
Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free -£0-£0-£0
Total annual cashback£48£48£48
Total cashback over 3 years£144

We assume you pay back your balance in full every month. If you don’t then you may end up paying more in interest than you’ll earn in cashback.

Update the calculator above

to see how much you could save with this card.

  • Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card
    Intro Rate Intro Rate The interest rate you will be charged over the balance transfer period on any balance transferred to the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on any balance transferred to the card n/a
    Transfer Fee Transfer Fee The one off handling fee that you will have to pay if you transfer a balance n/a
  • Purchase Offer Purchase Offer Some cards offer a special introductory interest rate on spending on the card
    Intro Rate Intro Rate The interest rate you will be charged over the purchase period on any new spending on the card n/a
    Duration Duration The length of time that you will be charged the introductory rate on new spending n/a
  • Standard APRs Standard APRs standardAprs
    Balance Transfers Balance Transfers The interest rate that you will be charged on balance transfer after the end of any introductory offers 20.90 %
    Purchases Purchases The interest rate that you will be charged on new spending after the end of any introductory offers 20.90 %
    Cash Withdrawals Cash Withdrawals The interest rate that you will be charged on any cash withdrawals you make with the card 25.90 %
  • Other Key Facts
    Annual Fee Annual Fee Some cards charge an annual fee, although the majority are fee free n/a
    Cash Advance Fees Cash Advance Fees The proportion of any cash withdrawal you make on the card that you will be charged as fee 3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction Fee Overseas Transaction Fee The proportion of any overseas transaction you make on the card that you will be charged as fee 2.75 %
Update the calculator above

to see how much you could save with this card.

In Brief

Cashback credit cards do exactly that – they give you cash for using the card. If you use a cashback credit card for all your spending you could earn hundreds of pounds every year.


What is a cashback credit card?

For every pound that you spend on these credit cards the credit card company will give you cashback. The best cards pay back around 5% of your spending for the first three months, but most of the cards average a cashback rate of 0.5% to 1.5% of all purchases.

Why the free money?

The credit card companies aren’t giving you money for nothing. They’re hoping that you’ll spend on their cashback credit card to earn some money but then not clear your balance in full. They can then pocket far more in interest than you will ever earn in cashback. So, only use a cashback credit card if you know you can pay off the balance in full each month.


Should I get a cashback credit card?

  • You can repay your credit card balance in full each month.
  • You are planning some big purchases and will not be able to clear your balance in full. Go for a 0% purchase card instead.
  • You are paying interest on existing credit card debt. You’ll save far more money if you move your existing credit card debt to a 0% balance transfer card than you could make with a cashback card.

How to get the most from your cashback card

Used correctly a cashback credit card can bring in a handy bit of extra cash, but a few slip ups could wipe out the gains in moments.

Follow these tips to make the most money with the least effort.

  • Know your card – Different cards offer different cashback rates. Some offer a high introductory rate that falls away after a few months, while others offer higher rates of cashback on certain forms of spending. So make sure you get the card that best matches your shopping habits.
  • Spend, spend, spend – Don’t get yourself into debt, but in order to make the most of the cashback use your credit card to pay for as much of your day-to-day spending as possible. If you can pay by credit card rather than cash, cheque or debit card do so, as long as you can afford to repay your balance in full at the end of the month.
  • Set up a direct debit – The easiest way to make sure you don’t miss a payment and end up paying interest is to set up a direct debit to repay your balance in full each month.
  • Withdraw cash – Not only are cash withdrawals exempt from cashback, you’ll also start paying interest on the withdrawal from the minute the money is in your hands, and that interest may well cancel out your cashback returns.
  • Go over your limit – Most cards charge a penalty if you breach your credit limit, so go over a few times and you’ll have paid more in fees than you will earn in cashback.
  • Apply for multiple cards – It can be tempting once the introductory cashback period has ended on one credit card to apply for another rather than settle for the lower long-term cashback rate. But numerous credit card applications can damage your credit rating and you may find yourself failing to get credit as a result.

Cashback vs. rewards

A cashback credit card is another type of rewards card except it offers the simplicity of cold, hard cash rather than rewards points. But that doesn’t mean it is always the best option.

If you fly a lot, a credit card linked to an airline rewards program could end up being more useful than a cashback credit card. Also, if you are particularly loyal to one supermarket brand their reward credit card could be more beneficial for you. But in general, you need to spend a lot before the rewards or points have any real world value, making cashback cards the better choice for most people.


Will I be accepted for a cashback card?

As with other credit cards the best cashback deals tend to be reserved for people with the best credit records, but if your credit rating isn’t perfect you could still be accepted for a card with a slightly lower rate of cashback. But don’t just apply at random until you are accepted, the more times you are rejected the less chance you have of getting a card as the failed applications count against you on your credit record.

Our advanced credit matching technology can help you get accepted for a credit card. Enter a few details and it will show you the credit cards you are more likely to be approved for – and those that might reject you.


About Our Advanced Credit Matching Technology

What is it?

Our personalised credit comparison tool is a clever new piece of technology. It helps you understand your chances of being accepted before you apply for a credit card.

Why should I use it?

Enter just a few details and our advanced credit matching technology shows you the cards you’re more likely to be approved for - and those that might reject you. As being rejected for credit cards can damage your credit rating our advanced credit matching technology performs a 'soft search' - so it does not harm your credit rating. You get your results in just a few seconds. Using it means you don’t waste time and effort applying for cards that are unlikely to accept you.

Is my information secure?

All information you provide is secured though trusted VeriSign technology.

How much does it cost?

Using our advanced credit matching technology is completely free.

Will using it damage my credit score?

By using our advanced credit matching technology you can protect your credit rating. It helps you avoid applying for cards you’re unlikely to be accepted for. That means you avoid rejection and the damage it can cause to your credit rating.

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