Compare Cashback Credit Cards

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

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).

Advert:

Santander 123 Credit Card MasterCard

Santander 123 Credit Card MasterCard click for details...

  • 3% cashback at major petrol stations, on National Rail and TFL purchases.
  • 2% cashback at major department stores.
  • 1% cashback at major supermarkets.
22.8% APR

Representative Example: When you spend £1,200 at a rate of 18.90% (variable) per annum, with a £24 annual fee, your Representative APR is 22.8% APR (variable).

This is an advertisement

Compare cashback cards:

Sort by: 		Representative APR (variable) Best benefits
1
Original

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

More information

More details

  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: none
  • Min age is 18
  • Not available for customers with a CCJ

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

2
Original

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

More information

Rewards

Simply Rewards, provides discounts and deals when using Nationwide Visa credit card

More details

  • 0% on purchases for 12 months
  • 0% on balance transfer for 20 months
  • 3.1% balance transfer fee
  • No card fee

Can I get this card?

  • Is available to existing customers
  • Min income required: £5,000
  • Min age is 18
  • Not available for customers with a CCJ

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

3
Original

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

More information

More details

  • 0% on purchases for 6 months
  • 0% on balance transfer for 15 months
  • 3% balance transfer fee
  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: none
  • Min age is 18
  • Not available for customers with a CCJ

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

4
Original
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

More information

Rewards

The cashback rebate is not payable in respect of any month in which the minimum payment is not received by the due date.

More details

  • Annual fee of £25

Can I get this card?

  • Not available to existing customers
  • Min income required: £20,000
  • Min age is 18
  • Not available for customers with a CCJ

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).

5
Original

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

More information

Rewards

  • Extended Appliance Warranty
    Receive a two year extended warranty on a wide range electrical goods that you purchase with your Aspire® Elite Card.

More details

  • Annual fee of £120

Can I get this card?

  • Not available to existing customers
  • Min income required: £50,000
  • Min age is 21
  • Not available for customers with a CCJ

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).

6
Original Most popular!

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. Annual card fee of £24 - refunded in the first year for 123 Current Account customers (Offer valid until 30 June 2013).

22.8% APR

More information

More details

  • Annual fee of £24

Can I get this card?

  • Not available to existing customers
  • Min income required: £7,500
  • Min age is 18
  • Not available for customers with a CCJ

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).

7
Original

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

More information

More details

  • No card fee

Can I get this card?

  • Not available to existing customers
  • Min income required: £10,000
  • Min age is 18
  • Is available for customers with a CCJ

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

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.