Our guide to checking your credit score and getting the right credit for you.
_Cards_AmericanExpressPlatinumCashbackCard_125x100.png)
_Cards_AmericanExpressPlatinumCashbackEverydayCard_125x100.png)
_Cards_SantanderAllinOneCreditCardMastercard_125x100.png)
(13500)_Cards_FirstTrustBank(NI)VisaMastercardOption1_125x100.png)
_Cards_TandemBankCashbackCreditCardMastercard_125x100.png)
_Cards_aquaRewardMastercard_125x100.png)
_Cards_SantanderWorldEliteMastercard_125x100.png)
_Cards_smileClassicCreditCardVisa_125x100.png)
_Cards_BarclaycardPlatinumCashbackPlusVisa_125x100.png)
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.
DisclaimerAll 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.
Quick LinksQuick links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use quick links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we may receive a modest commission either when you press a 'Go to Provider' or 'Speak to an Adviser' button, when you call an advertised number or when you complete an application.
BALANCED. Moneyfacts.co.uk is entirely independent and authorised by the Financial Conduct Authority.
FREE. There is no cost to you. Our service is entirely free and you don't need to share any personal data to access our comparison tables.
TRANSPARENT. We only receive payment from product providers and intermediaries for quick/direct links and adverts through to their websites.
COMPREHENSIVE. We research the whole market and scour the small print so you can find the best products for your needs.
Weekend Moneyfacts is available free by email to all Moneyfacts.co.uk users.
Please send me Weekend Moneyfacts, Savers Friend and selected third-party offers.
Our guide to checking your credit score and getting the right credit for you.
A guide to 0% balance transfer credit cards, what they are and how they work.
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.
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.
