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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 variety of additional benefits. These cards are ideal for regular card users, who are able to pay back the balance in full every month.

Start your comparison of the Best Cashback Credit Cards available below.

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Today's Best Cashback Credit Cards

Today's Best Cashback Credit Cards

We found 12 products in total, of which 2 have links to providers.

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Selecting ‘Provider Links First’ brings all products that you can apply for directly via Moneyfacts to the top of the chart in rate order. Products that do not have an ‘Go To Provider's Site’ button will appear below, again in rate order. Selecting an option from the drop-down will change the chart to list all products in order depending on the option you have selected, with the best rate being at the top. Products that have ‘Go To Provider's Site’ links will still be in the list but in rate position.

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  • American Express Amex® Cashback Everyday Credit Card
    Intro Rate for Purchases
    No introductory rate for purchases
    APR
    31.0%
    Additional Information
    New Cardmember offer: 5% cashback for the first 3 months, capped at £100
    No balance transfers
    0.50% cashback on spend between £1-£10K per year. 1% over £10K per year.
    Go To Provider's Site
    Representative Example: Based on a credit limit of £1200.00 charged at 31.0% variable per annum for purchases. Representative 31.0% APR variable.
  • American Express Amex® Cashback Credit Card
    Intro Rate for Purchases
    No introductory rate for purchases
    APR
    36.7%
    Additional Information
    New Cardmember offer: 5% cashback for the first 3 months, capped at £125
    Annual fee of £25, not charged in the first year for applications until 2.7.24
    0.75% cashback on spend between £1-£10K per year. 1.25% over £10K per year.
    Go To Provider's Site
    Representative Example: Based on a credit limit of £1200.00 charged at 31.0% variable per annum for purchases. Representative 36.7% APR variable.
  • 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.
  • Santander All in One Credit Card Mastercard
    Intro Rate for Purchases
    0.0% for 15 months
    APR
    29.8%
    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 23.9% variable per annum for purchases. Fee of £3 per month applies. Representative 29.8% APR variable.
  • AIB (NI) AIB Option 1 Visa
    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
    Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable.
  • Halifax Cashback Credit Card Mastercard
    Intro Rate for Purchases
    No introductory rate for purchases
    APR
    22.9%
    Additional Information
    0.25% cashback on purchases up to £4K per year. 0.50% on purchases over £4K per year
    Rates dependent on credit rating
    Manage your card online
    Representative Example: Based on a credit limit of £1200.00 charged at 22.94% variable per annum for purchases. Representative 22.9% APR variable.
  • Lloyds Bank Cashback Credit Card Mastercard
    Intro Rate for Purchases
    No introductory rate for purchases
    APR
    22.9%
    Additional Information
    0.25% cashback on purchases up to £4K per year. 0.50% on purchases over £4K per year
    Rates dependent on credit rating
    Manage your card online
    Representative Example: Based on a credit limit of £1200.00 charged at 22.94% variable per annum for purchases. Representative 22.9% APR variable.
  • Barclaycard Rewards Visa
    Intro Rate for Purchases
    No introductory rate for purchases
    APR
    28.9%
    Additional Information
    No foreign transaction fees
    No zero% introductory balance transfer offer
    Contactless payments up to £100
    Representative Example: Based on a credit limit of £1200.00 charged at 28.9% variable per annum for purchases. Representative 28.9% APR variable.
  • Santander Edge Credit Card Mastercard
    Intro Rate for Purchases
    No introductory rate for purchases
    APR
    29.8%
    Additional Information
    up to 2% cashback on purchases
    Monthly fee of £3
    Manage your card online
    Representative Example: Based on a credit limit of £1200.00 charged at 23.9% variable per annum for purchases. Fee of £3 per month applies. Representative 29.8% APR variable.
  • American Express Vitality American Express® Credit Card
    Intro Rate for Purchases
    No introductory rate for purchases
    APR
    46.8%
    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 31.0% variable per annum for purchases. Fee of £6.50 per month applies. Representative 46.8% APR variable.
Note

moneyfactscompare.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 moneyfactscompare.co.uk. None of these arrangements affects our independence.

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.

Provider Links

‘Go To Provider's Site’ 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 ‘Speak to A Broker’ 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's Site' or 'Speak To A Broker' button, when you call an advertised number or when you complete an application following a link from our website.

Cashback credit cards explained

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.

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.

 

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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.

Try our new credit card calculators

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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Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.