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Get cashback for spending on your credit card. Compare the best cards but remember that some offers are for a limited period.
If you like to spend on your credit card and pay it off in full every month, you don’t need flashy 0% offers, or even a particularly low purchase rate (as you never intend to pay it). Instead, you want a credit card that will reward your custom, perhaps with points, airmiles, vouchers, or even with cashback.
A cashback credit card is not suitable for you if you don’t repay your balance in full each month (or before any 0% introductory period ends) because any cashback you earn from the card will be more than cancelled out by the interest you must pay.
Watch out as well for card providers offering high introductory cashback rates – making note of when this period ends in order to review the cashback deal, maybe changing to a new card with a higher standard rate – as well as the minimum transaction amount you need to make before you start earning cashback.
There’s nothing better than getting something for nothing, and cashback credit cards can offer just that! They can be the perfect way to earn cashback on everything you buy, and if managed effectively, can come with a whole host of additional benefits as well.
These cards are ideal for regular card users, such as those who prefer using plastic for their everyday spending and use their income to repay the balance in full each month. This way, users really are getting something from money they were going to spend anyway, and if you go about things the right way, you could easily profit from it.
However, the key here is to make sure you manage things properly. Cashback credit cards should only ever be considered by those who can comfortably pay off the balance in full each month, as otherwise, the interest payments could cancel out any cashback earned.
Calculate what you need to know before applying.
Balance transfer calculator – calculate how much you could save by switching to a 0% balance transfer credit card.
Minimum repayment calculator – calculate how long it will take to clear your balance when only making the minimum repayments.
Repayment calculator – calculate how quickly you could pay off your credit card.
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Our guide sets out 11 steps to boosting your credit score and tell you what to do and what to avoid to increase your credit scrore.
Our guide sets out 11 steps to boosting your credit score and tell you what to do and what to avoid to increase your credit scrore.
If you have accumulated substantial extra debt because of unfair credit card charges, then you may be able to claim some of this back from your card provider of the time.
If you have accumulated substantial extra debt because of unfair credit card charges, then you may be able to claim some of this back from your card provider of the time.