Compare The UK’s Top Cards for Cashback

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American Express Platinum Cashback
American Express Platinum Cashback Image
28.2 % APR
Rep % APR (variable)
  • 5% cashback for the first three months, limit of £125 cashback
  • Up to 1.25% cashback after first 3 months
  • Travel and shopping protection
  • £25 annual fee

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with an annual fee of £25 your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 28.2% APR (variable)

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American Express Platinum Cashback Everyday Card
American Express Platinum Cashback Everyday Card Image
22.9 % APR
Rep % APR (variable)
  • 5% cashback for the first three months, limit of £100 cashback
  • Up to 1% cashback after first 3 months
  • Travel and shopping protection
  • No annual fee

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 22.9% APR (variable)

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Tandem Cashback Credit Card
Tandem Cashback Credit Card Image
18.9 % APR
Rep % APR (variable)
  • 0.5% cashback on all purchases over £1 worldwide
  • No fees for making purchases abroad
  • No overlimit fees

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 18.9% APR (variable)

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aqua Reward
aqua Reward Image
39.9 % APR
Rep % APR (variable)
  • Credit limit of up to £1,200
  • Get 0.5% cashback on all purchases (up to £100 per annum)
  • No fees for overseas usage

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 39.94% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 39.9% APR (variable)

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Santander All in One Credit Card
Santander All in One Credit Card Image
21.7 % APR
Rep % APR (variable)
  • 0% for 30 months on balance transfers, then 15.9% p.a. (variable) (0% balance transfer fee)
  • 0% for 30 months on purchases, then 15.9% p.a. (variable)
  • 0.5% cashback on all purchases, no limits or caps
  • £3 monthly fee (£36 annual equivalent)

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 15.9% p.a. (variable) with an annual fee of £36 your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 21.7% APR (variable)

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Understanding cashback credit cards

Earn while you spend with a cashback credit card.

Cashback is an incentive operated by credit card companies where a percentage of the amount spent is paid back to the card holder.

If you use a cashback credit card for all of your spending, you could earn hundreds of pounds every year.

However, the credit card companies aren’t giving you money for nothing. The incentive was created in hope that you’ll spend on your cashback card and not clear your balance in full.

If you don’t clear your balance, they can earn 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?

If you can repay your credit card balance in full each month, a cashback credit card is for you. Use it sensibly and you could reap the rewards.

But if you’re already paying interest on existing credit card debt, a balance transfer card is your best bet. Similarly, if you're planning a larger purchase and will need an extended period to clear your balance in full, opt for a 0% purchases card.

Both of these options will save you more money than you could ever earn with a cashback credit card.


How to get the most from your cashback credit card

Used sensibly, a cashback credit card can save you money, but a few slip-ups could wipe out your winnings in seconds. Follow these tips to make your cashback card work for you:

  • Know your card: As different cards offer different cashback rates, It’s important to get the card that best matches your shopping habits. Some offer a high introductory offer that drops after a few months, while others give you a higher rate on certain forms of spending.

  • Spend sensibly: Pay for as much of your day-to-day spending on your card as possible. If you can, pay by credit card rather than cash, cheque or debit card – providing you can afford to repay your balance in full at the end of the month.

  • Set up a direct debit: Ensure you never miss a payment and end up paying interest by setting up a monthly direct debit to repay your balance in full.

  • Avoid penalties: Not only are cash withdrawals exempt from cashback, but you’ll also start paying interest on the withdrawal from the moment the money is in your hands. Unless it’s an emergency, avoid using your cashback card in an ATM.


Cashback vs rewards

Cashback is a type of reward… in the form of cold, hard cash. But that doesn’t mean it’s always the best option.

If you fly a lot, a credit card linked to an airline reward program could end up being more useful than a cashback credit card. Similarly, if you’re loyal to a particular supermarket then their store card could be more beneficial.

Overall, because you need to spend a lot before rewards have any real value, cashback cards are often the better choice for most people.

Will I be accepted for a cashback card?

While the best cashback deals tend to be reserved for those with the best credit ratings, there are still options available if you have a less than perfect score.

Just avoid applying for multiple cards at once – every unsuccessful application leaves a mark on your credit rating. Our free eligibility checker will show you the credit cards that could accept you.