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Compare The UK's Top Cards for Cashback

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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)
28.2 % APR
You'll earn in 3 years See how we calculate this
£819
Representative APR (variable)
28.2 % APR

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)

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)
22.9 % APR
You'll earn in 3 years See how we calculate this
£612
Representative APR (variable)
22.9 % APR

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)

Santander 123 Credit Card
Santander 123 Credit Card Image
  • 0% for 23mths Purchases
  • 0% for 23mths Balance Transfers
  • 0% balance transfer fee
  • Up to 3% cashback
  • £24 annual fee
Representative APR (variable)
16.5 % APR
You'll earn in 3 years See how we calculate this
£321
Representative APR (variable)
16.5 % APR

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 12.7% p.a. (variable) with an annual fee of £24 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 16.5% APR (variable)

Co-operative Bank Members' Credit Card
Co-operative Bank Members' Credit Card Image
  • Receive 1p cashback for every £2 you spend in The Co-operative Food stores
  • 1p cashback for every £3.33 you spend anywhere else the Visa symbol is displayed. No cashback is earned on balance transfers and cash withdrawals
  • No annual fee
Representative APR (variable)
15.9 % APR
You'll earn in 3 years See how we calculate this
£204
Representative APR (variable)
15.9 % APR

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 15.94% 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 15.9% APR (variable)

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)
16.9 % APR
You'll earn in 3 years See how we calculate this
£144
Representative APR (variable)
16.9 % APR

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 16.95% 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 16.9% APR (variable)

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)
20.9 % APR
You'll earn in 3 years See how we calculate this
£144
Representative APR (variable)
20.9 % APR

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 20.94% 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 20.9% APR (variable)

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.

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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).