Promotion

American Express Cashback Everyday Card

Get 5% cashback in your first 3 months up to £100*

  • 5% cashback on up to £2,000 of purchases in your first three months of Cardmembership*
  • uSwitch awards winner
19.9% APR Representative Variable *Terms apply

Compare cashback credit cards

Compare the best cashback credit cards and earn money back on your card spending



Sort by:
Sort by popularity Features APR Annual fee Cashback earned
aqua Reward MasterCard
Bad Credit Travel Cashback Credit Building

aqua Reward MasterCard

  • 0.5% cashback on all purchases
  • Unlimited access to your credit report
  • No foreign transaction fees
  • Up to 51 days interest free credit
  • Credit limit increase possible after 4 months
more info
34.9% APR
Representative (variable)
No fee
£50
cashback over 12 months (see more info for details)
Representative example: When you spend £1,200 at a rate of 34.91% (variable) per annum, your representative APR is 34.9% APR (variable).
Capital One Aspire Elite
Cashback

Capital One Aspire Elite

  • 5% cashback in your first 3 months (up to £200)
  • Up to 2% cashback thereafter
  • Concierge service for free help with travel, shows & sports
  • £120 annual fee
more info
19.9% APR
Representative (variable)
£120
annual fee
£80
cashback over 12 months (see more info for details)
Representative example: When you spend £12,000 at a rate of 17.57% (variable) per annum, with a £120 annual fee, your representative APR is 19.9% APR (variable).
Nationwide Select Low Balance Transfer Fee Visa
2014 award winner 0% Balance Transfer 0% Purchase Cashback

Nationwide Select Low Balance Transfer Fee Visa

  • Nationwide current account customers only
  • 15 months 0% on purchases
  • 15 months 0% on balance transfers (0.55% fee)
  • 0.5% cashback on all purchases
  • No foreign transaction fees
  • No annual fee
more info
15.9% APR
Representative (variable)
No fee
£50
cashback over 12 months (see more info for details)
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
Nationwide Select Credit Card
2014 award winner 0% Balance Transfer 0% Purchase Cashback Travel

Nationwide Select Credit Card

  • Nationwide current account customers only
  • 15 months 0% on purchases
  • 26 months 0% on balance transfers (2.4% fee)
  • 0.5% cashback on all sterling purchases
  • No foreign transaction fees
  • No annual fee
more info
15.9% APR
Representative (variable)
No fee
£50
cashback over 12 months (see more info for details)
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
RBS Cashback Plus Credit Card MasterCard
Cashback

RBS Cashback Plus Credit Card MasterCard

  • 1% cashback on all supermarket shopping
  • 1% cashback on selected retailers
  • 0.5% cashback on all other purchases
more info
17.4% APR
Representative (variable)
£24
annual fee
£49
cashback over 12 months (see more info for details)
Representative example: When you spend £1,200 at a rate of 12.2% (variable) per annum, with a £24 annual fee, your representative APR is 17.4% APR (variable).
Santander 123 Credit Card MasterCard
0% Purchase Cashback 0% Balance Transfer

Santander 123 Credit Card MasterCard

  • 23 months 0% on purchases and balance transfers
  • 23 months 0% transfer fee, 3% thereafter
  • 3% cashback on petrol and National Rail and TFL purchases
  • 2% cashback at major department stores
  • 1% cashback at major supermarkets
  • First year fee-free if you have, or open, a 123 Current Account. Otherwise £24 annual fee
more info
16.5% APR
Representative (variable)
£24
annual fee
£101
cashback over 12 months (see more info for details)
Representative example: When you spend £1,200 at a rate of 12.7% (variable) per annum, with a £24 annual fee, your representative APR is 16.5% APR (variable).
American Express Platinum Cashback Everyday Card
2014 award winner Reward Cashback Instant Decision

American Express Platinum Cashback Everyday Card

  • 5% cashback in your first 3 months (up to £100)
  • Up to 1.25% cashback thereafter
  • No annual fee
  • Application response in 60 seconds
more info
19.9% APR
Representative (variable)
No fee
£177
cashback over 12 months (see more info for details)
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).
American Express Platinum Cashback Card
most popular 2014 award winner Reward Cashback Instant Decision

American Express Platinum Cashback Card

  • 5% cashback in your first 3 months (up to £125)
  • 1.25% cashback on all spending thereafter
  • Bonus 2.5% cashback if you spend more than £10,001 in a year
  • £25 annual fee
  • Application response in 60 seconds
more info
18.7% APR
Representative (variable)
£25
annual fee
£194
cashback over 12 months (see more info for details)
Representative example: When you spend £1,200 at a rate of 14.0% (variable) per annum, with a £25 annual fee, your representative APR is 18.7% APR (variable).
NatWest Cashback Plus Credit Card MasterCard
Cashback

NatWest Cashback Plus Credit Card MasterCard

  • 1% cashback on all supermarket shopping
  • 1% cashback on selected retailers
  • 0.5% cashback on all other purchases
more info
17.4% APR
Representative (variable)
£24
annual fee
£49
cashback over 12 months (see more info for details)
Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, with a £24 annual fee, your representative APR is 17.4% APR (variable).

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this credit card comparison service.

uSwitch services are provided at no cost to you, but we may receive compensation from some of the providers.

Compare cashback credit cards

About cashback credit cards

With a cashback credit card, you can earn cash back on your card purchases. While reward credit cards give you back points which you can exchange for discounts, cashback credit cards give you money back - £100s a year in some cases. The top cashback credit cards below are ordered by interest rate (APR).

What is a cashback credit card?

The concept is simple - for every pound you spend on your credit card, you receive a percentage back to your account either monthly or annually. You'll usually get between 0.5% and 1.25% of the amount you spend back as cashback. The highest cash back credit cards often come with annual fees or higher APR so you need to be sure you'll get the true benefit or be able to keep up with the repayments.

Some cashback credit cards are less generous to higher spenders, while other credit cards offer more cashback the more you spend on the card.

As long as you pay off your balance in full each month, cashback credit cards can be a great way of earning extra cash.

Should I get a cashback credit card?

This depends on how you use your credit card - cashback credit cards often have high interest rates, meaning any cashback you earn would be written off by the interest you'd pay on your balance.

If you're always able to pay off your balance in full, a cashback credit card could help you earn money back on your spending.

Cashback credit cards aren't suited to those looking to transfer a credit card balance - a better alternative is a credit card with a low interest rate and a 0% introductory offer. You can compare cash back credit cards with uSwitch and see if a cash back credit card is right for you.

How do I find the best cashback credit cards?

Many cashback credit cards will have a higher than average introductory rate to entice new customers, but you may find that the long-term rate is much lower than its competitors.

It's important to weigh up how much you intend to spend during the introductory period or how much cashback you can get in total over the long-term.

Finding the best cashback credit cards is really a case of assessing your own spending habits and ensuring you can keep up with the repayments so that the interest rates don't come back to sting you.