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The UK's Top Cashback Credit Cards

Authorised and Regulated by the Financial Conduct Authority2

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Earnings Calculator

Monthly SpendMonthly SpendHow much do you plan to spend in the average month?
Cashback Earned
  • Cashback Earned
  • APR
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

18.7 % APR

Representative APR (variable)

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 14.03% (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 18.7% 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

19.9 % APR

Representative APR (variable)

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 19.99% (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 19.9% 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

16.5 % APR

Representative APR (variable)

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% (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
  • Get up to 1% cashback
  • 5% discount on selected holidays

15.9 % APR

Representative APR (variable)

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% (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

16.9 % APR

Representative APR (variable)

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% (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

20.9 % APR

Representative APR (variable)

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% (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)

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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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).