The UK's Top Cashback Credit Cards
Authorised and Regulated by the Financial Conduct Authority2
18.7 % APR
Representative Example: If you spend £1,200 at a purchase interest rate of 14.03% (variable) with an annual fee of £25 your representative APR will be 18.7% APR (variable)
19.9 % APR
Representative Example: If you spend £1,200 at a purchase interest rate of 19.99% (variable) your representative APR will be 19.9% APR (variable)
16.5 % APR
Representative Example: If you spend £1,200 at a purchase interest rate of 12.7% (variable) with an annual fee of £24 your representative APR will be 16.5% APR (variable)
15.9 % APR
Representative Example: If you spend £1,200 at a purchase interest rate of 15.94% (variable) your representative APR will be 15.9% APR (variable)
16.9 % APR
Representative Example: If you spend £1,200 at a purchase interest rate of 16.95% (variable) your representative APR will be 16.9% APR (variable)
20.9 % APR
Representative Example: If you spend £1,200 at a purchase interest rate of 20.94% (variable) your representative APR will be 20.9% APR (variable)
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.
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.
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.
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.
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.
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.
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.
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.
All information you provide is secured though trusted VeriSign technology.
Using our advanced credit matching technology is completely free.
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.
1We rank products based solely on what represents the best value for you. We will always provide a link to the best results for you whether or not they earn us revenue. We guarantee that no company can ever pay to advertise on the site or to appear higher in your results.
2Our credit card comparison services (excluding the Granite Card, Luma Card and Fluid Card) are provided by Media Ingenuity Limited trading as TotallyMoney.com. Media Ingenuity Limited is an appointed representative of MI Money Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN: 511936).