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

What are Cashback Credit Cards?

Cashback Credit Cards 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. 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.

What type of card are you looking for? Show
What type of card are you looking for?

American Express Logo
American Express Platinum Cashback Card
Intro Rate For Purchases
No introductory rate for purchases
APR
27.3%
Additional Information
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
Representative Example: Based on a credit limit of £1200.00 charged at 22.2% variable per annum for purchases. Fee of £25 per annum applies. Representative 27.3% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income No minimum income
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.0% or £25.00 each month. or the total of any interest, default fees and charges, 1/12th of annual fee plus 2% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.680%
APR 27.3%
For cash withdrawals
Monthly 2.020%
Annual 27.10%
For balance transfers
Monthly Balance transfer not available
Annual Balance transfer not available
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee £25.00 per annum
Balance transfer fee Balance transfer not available
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

£30 per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses Referral Programme (maximum £150 per annum). The cashback rebate is not payable in respect of any month in which the minimum payment is not received by the due date.
American Express Logo
American Express Platinum Cashback Everyday Card
Intro Rate For Purchases
No introductory rate for purchases
APR
22.2%
Additional Information
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
Representative Example: Based on a credit limit of £1200.00 charged at 22.2% variable per annum for purchases. Representative 22.2% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income No minimum income
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.0% or £25.00 each month. or the total of any interest, default fees and charges, 1/12th of annual fee plus 2% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.680%
APR 22.2%
For cash withdrawals
Monthly 2.020%
Annual 27.10%
For balance transfers
Monthly Balance transfer not available
Annual Balance transfer not available
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee N/A
Balance transfer fee Balance transfer not available
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

Earn £20 per friend/family member that successfully applies for an American Express card (Excl. Basic card) through the Referral Programme, up to a maximum of £150 per year. The cashback rebate is not payable in respect of any month in which the minimum payment is not received by the due date.
AIB Logo
AIB Visa Option 1
Intro Rate For Purchases
No introductory rate for purchases
APR
18.9%
Additional Information
Low cash withdrawal charges
No zero% introductory balance transfer offer
0.50% cashback on spend over £5K per year [i]0.50% cashback on spend over £5K per year
Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income No minimum income
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 3.0% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.453%
APR 18.9%
For cash withdrawals
Monthly 1.453%
Annual 18.90%
For balance transfers
Monthly 1.453%
Annual 18.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee N/A
Balance transfer fee 1.50% - No minimum charge
Cash withdrawal fee 1.50% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.75%
Worldwide 2.75%

Additional Information

-
Santander Logo
Santander All in One Credit Card Mastercard
Intro Rate For Purchases
0.0% for 26 months.
APR
21.7%
Additional Information
0.5% cashback on purchases
Monthly fee of £3
No balance transfer fee during introductory period
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.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £7500.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges, monthly fee plus 1% of the outstanding balance plus any arrears.

Standard Interest Rates

For purchase
Monthly 1.241%
APR 21.7%
For cash withdrawals
Monthly 2.207%
Annual 29.90%
For balance transfers
Monthly 1.241%
Annual 15.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee £3.00 per month
Balance transfer fee 3.00% - Min £5.00
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 0.00%
Worldwide 0.00%

Additional Information

-
American Express Logo
American Express Vitality American Express Credit Card
Intro Rate For Purchases
No introductory rate for purchases
APR
37.1%
Additional Information
Earn up to 1% cashback on purchases
Must be member of Vitality programme and hold an eligible product
Free purchase and refund protection
Representative Example: Based on a credit limit of £1200.00 charged at 22.2% variable per annum for purchases. Fee of £6.50 per month applies. Representative 37.1% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income No minimum income
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.0% or £25.00 each month. or the total of any interest, default fees and charges, 1/12th of annual fee plus 2% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.680%
APR 37.1%
For cash withdrawals
Monthly 2.020%
Annual 27.10%
For balance transfers
Monthly Balance transfer not available
Annual Balance transfer not available
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee £6.50 per month
Balance transfer fee Balance transfer not available
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

-
Santander Logo
Santander World Elite Mastercard
Intro Rate For Purchases
0.0% for 18 months.
APR
49.8%
Additional Information
24 hour customer service
Monthly fee of £15
Standard 0.50% on spend over £1 per year
Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Fee of £15 per month applies. Representative 49.8% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £7500.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges, monthly fee plus 1% of the outstanding balance plus any arrears.

Standard Interest Rates

For purchase
Monthly 1.457%
APR 49.8%
For cash withdrawals
Monthly 2.207%
Annual 29.90%
For balance transfers
Monthly 1.457%
Annual 18.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee £15.00 per month
Balance transfer fee 3.00% - Min £5.00
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 0.00%
Worldwide 0.00%

Additional Information

-
smile Logo
smile Classic Credit Card Visa
Intro Rate For Purchases
No introductory rate for purchases
APR
19.9%
Additional Information
0.25% cashback on spend over £1 per month
No transfers from other Co-operative Bank cards
No balance transfer fee
Representative Example: Based on a credit limit of £1200.00 charged at 19.9% variable per annum for purchases. Representative 19.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £10000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.0% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.521%
APR 19.9%
For cash withdrawals
Monthly 2.071%
Annual 27.90%
For balance transfers
Monthly 1.521%
Annual 19.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee N/A
Balance transfer fee No charge
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.75%
Worldwide 2.75%

Additional Information

-
Barclaycard Logo
Barclaycard Rewards Visa
Intro Rate For Purchases
No introductory rate for purchases
APR
22.9%
Additional Information
No foreign transaction fees
No zero% introductory balance transfer offer
Contactless payments up to £45
Representative Example: Based on a credit limit of £1200.00 charged at 22.9% variable per annum for purchases. Representative 22.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £20000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.3% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.733%
APR 22.9%
For cash withdrawals
Monthly 1.733%
Annual 22.90%
For balance transfers
Monthly 1.733%
Annual 22.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £45.00

Charges

Card fee N/A
Balance transfer fee 2.90% - No minimum charge
Cash withdrawal fee No charge
Money transfer fee Money transfer not available
Using a card abroad
European Union 0.00%
Worldwide 0.00%

Additional Information

-
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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.

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Cashback credit cards

nigel woollsey

Nigel Woollsey

Online Writer

At a glance

  • Cashback cards offer a cash payment (usually to your credit card account).
  • They are ideal for customers who pay off their credit card bill in full every month.
  • Can greatly benefit people who use card transactions for their usual daily spending.

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

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, airmiles, vouchers, or even with cashback.

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.

Moneyfacts tip

Moneyfacts tip nigel woollsey

Are you credit invisible or have you hit a road bump with your credit? Credit builder cards can help you to rebuild your profile, all you need to do is keep making repayments on time.

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 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.

Pros and cons of cashback credit cards

  • Cashback can be earned on virtually all purchase transactions.
  • You must pay off the whole amount owed every month, or the interest charged will easily offset any cashback you might get.
  • Failure to make repayments may see your offer being withdrawn.
  • Can encourage people to spend more than their budget in pursuing specific rewards.
  • Cashback is not usually earned on cash withdrawals or balance and money transfers.
  • Can have a minimum spend, so if you don’t spend enough, you can lose any cashback.
Compare the best credit cards

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