Compare Cashback Credit Cards

Compare our best cashback credit cards with uSwitch - earn money back on your spending Find out more

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Sort by: Representative APR (variable)
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Sainsbury's Bank Cashback Low Rate Credit Card

  • 5% cashback on Sainsbury's shopping for the first 3 months.
  • £5 cashback each month when you spend £250 per month on Sainsbury's shopping and another £250 per month elsewhere.
  • Low APR of 7.8%.
  • No annual fee.

7.8% APR

Representative example: When you spend £1,200 at a rate of 7.84% (variable) per annum, your Representative APR is 7.8% APR (variable).

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Nationwide Building Society Select Credit Card

  • Low APR of 12.9%.
  • Nationwide credit card perks include commission-free purchases abroad and 0.5% cashback on pound sterling purchases.
  • Only available to Nationwide FlexAccount customers.

12.9% APR

Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, your Representative APR is 12.9% APR (variable).

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Sainsbury's Bank Cashback Credit Card

  • Top cashback card offering 5% cashback on Sainsbury's shopping for the first 3 months.
  • 0% on balance transfers for 15 months.
  • 0% interest on purchases for 6 months.

17.9% APR

Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your Representative APR is 17.9% APR (variable).

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Winner - Best Email Customer Service.

American Express Platinum Cashback Card

  • Earn 5% cashback on up to £2,000 of purchases in your first 3 months.
  • A cashback rate of 1.25% applies on all spending thereafter.
  • Annual fee of £25.

18.7% APR

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).

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Capital One Aspire World MasterCard

  • Designed for people with an excellent credit history.
  • Earn up to 1.25% cashback on all your spending in Pounds Sterling.
  • Pay no fees on purchases in foreign currencies.
  • No annual fee.

19.9% APR

Representative example: When you spend £12,000 at a rate of 19.94% (variable) per annum, your Representative APR is 19.9% APR (variable).

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Capital One Aspire Elite MasterCard

  • A Capital One credit card aimed at big spenders - 5% cashback on all purchases for the first 3 months (max £200 cashback).
  • Cashback rate of up to 2% applies thereafter.
  • Annual card fee of £120.

19.9% APR

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).

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Santander 123 Credit Card MasterCard

  • 3% cashback at major petrol station, on National Rail and TFL purchases, 2% cashback at major department stores and 1% cashback at major supermarkets.
  • Limited Offer. No annual fee for the first year. If you already have, or open a new, 123 Current Account, we'll refund the first year's annual fee on your 123 Credit Card. Offer valid until 31/12/2013..

22.8% APR

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £24 annual fee, your Representative APR is 22.8% APR (variable).

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Barclaycard High 5 Cashback card

  • Limited June Offer - no annual fee for one year (was £24)
  • 2% cashback on top 5 purchases and 0.5% on everything else
  • 6% cashback on top 5 purchases in the first 3 months

24.8% APR

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £24 annual fee, your Representative APR is 24.8% APR (variable).

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Capital One Classic Extra

  • 0.5% cashback on all your purchases with no annual fee to pay.
  • Geared towards building your credit rating, with a maximum credit limit of £1,500.

34.9% APR

Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your Representative APR is 34.9% APR (variable).

About Cashback 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 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.

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.


Learn more from our Credit Card Guides

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