Cashback Credit Cards - Best Credit Card Deals | moneyfacts.co.uk

Compare the best cashback credit cards

  - Get cashback for spending on your credit card. Compare the best cards but remember that some offers are for a limited period.
 
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Compare the Best Cashback Credit Cards

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Intro Rate For PurchasesAPRAdditional InformationSearch all140 Credit Cards
 
American Express

Platinum Cashback Card
N/A28.2%
  • 5% cashback for the first 3 months, capped at £125
  • Annual fee of £25
  • 1% cashback on spend between £1-£10K per year. 1.25% over £10K per year
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 22.9% variable per annum for purchases. Fee of £25 per annum applies. Representative 28.2% APR variable. 
American Express

Platinum Cashback Everyday Card
N/A22.9%
  • 5% cashback for the first 3 months, capped at £100
  • No balance transfers
  • 0.50% cashback on spend between £1-£5K per year. 1% over £5K per year
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 22.9% variable per annum for purchases. Representative 22.9% APR variable. 
Santander

All in One Credit Card Mastercard
0.0% for 30 months.21.7%
  • 0.5% cashback on purchases
  • Monthly fee of £3
  • Manage your card online
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 15.9% variable per annum for purchases. Fee of £3 per month applies. Representative 21.7% APR variable. 
Tandem Bank

Tandem Cashback Credit Card Mastercard
N/A18.9%
  • No non-sterling commission or transaction fees on foreign spend and ATM withdrawals
  • No balance transfers
  • 0.50% cashback on spends over £1.
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
smile

Classic Credit Card Visa
N/A16.9%
  • Travel Accident Insurance up to £25K available
  • No transfers from other Co-operative Bank cards
  • 0.25% cashback on spend over £1 per month
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 16.9% APR variable. 
Barclaycard

Platinum Cashback Plus Visa
N/A21.9%
  • No non-sterling transaction fees on foreign spend and ATM withdrawals until 31.8.23
  • Can't change payment due date
  • Contactless payments up to £30
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 21.9% variable per annum for purchases. Representative 21.9% APR variable. 

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Disclaimer:
All credit cards are subject to the applicant’s status. The APR quoted is representative of the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you are offered may be higher, or you may not be offered credit. Fees and rates subject to change without notice. Please check all rates and terms before borrowing.

Moneyfacts.co.uk Limited is an independent credit broker not a lender. We will receive a payment from credit providers where customers link to them from Moneyfacts.co.uk. None of these arrangements affects our independence.

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What are Cashback Credit Cards?

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, air miles or 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 rewards you earn from the card will be more than cancelled out by the interest you have to pay.

Watch out as well for card providers offering high introductory cashback rates (you should really aim to base your decision on the long term cashback rate, after the introductory period ends) as well as the minimum transaction amount you need to make before you start earning cashback.

Why get a cashback credit card?

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 cash rewards 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 as long as 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. This means you should never just make the minimum repayments and absolutely need to keep up with all your bills – consider setting up a direct debit to make sure you never miss a payment.

 
 
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