Compare Cashback Credit Cards

Compare our best cashback credit cards and find a great deal. With the uSwitch credit card comparison service, you can compare cashback credit cards and apply online today.

With a cashback credit card, you can earn money back every time you spend. Find out more about cashback credit cards.

Cards below ordered by interest rate (APR).

Original

  • American Express Platinum Cashback Card

  • 18.5% APR Representative
    (Variable)

  • 5% cashback on up to £2,000 of purchases in your first 3 months (thereafter 1.25%)

    • 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 18.5% APR (variable).
  • 18.5% APR Representative Variable

Features

  • The cashback rebate is not payable in respect of any month in which the minimum payment is not received by the due date.
  • Highest ongoing cashback rate than any other card* (*Ts&Cs apply)
  • 5% cashback in the first 3 months up to £100
  • 1.25% cashback on virtually everything you buy after 3 months
  • Annual bonus rate of 2.5% for one month every anniversary
  • Must have a household income of £20,000
  • Annual fee £25

Rates

Cash Advance:

  • 3.0%

Default Charges

  • Exceeding personal limit subject to a handling fee of £12.
  • Late payment subject to a handling fee of £12.
  • Returned payment subject to a handling fee of £12.

Eligibility

  • Is not available to existing customers
  • Minimum income of £20000
  • 18 years minimum age
  • Is not available to applicants with County Court Judgements

Charges

Cash withdrawal fee: 27.9%

Repayment terms: We will apply payments to balances bearing the highest interest rate first. In applying this principle, we will first apply payment to amounts that have appeared on your monthly statement, and we may secondly, apply payments to amounts that have not yet appeared on your monthly statement.

Statement copy subject to a handling fee of £5.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £3.

Voucher copy (Worldwide) subject to a handling fee of £3. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • Capital One Aspire Elite MasterCard

  • 19.9% APR Representative
    (Variable)

  • 5% Cashback on all purchases for the first 3 months (thereafter 2%)

    • Representative example: When you spend £1,200 at a rate of 17.69% (variable) per annum, with a £120 annual fee, your Representative APR is 19.9% APR (variable).
  • 19.9% APR Representative Variable

Features

Rates

Cash Advance:

  • 3.0%

Default Charges

  • Exceeding personal limit subject to a handling fee of £12.
  • Late payment subject to a handling fee of £12.
  • Returned payment subject to a handling fee of £12.

Eligibility

  • Is not available to existing customers
  • Minimum income of £50000
  • 21 years minimum age
  • Is not available to applicants with County Court Judgements

Charges

Cash withdrawal fee: 17.69% The monthly payment is the full outstanding balance if it is less than £5, but other wise the greater of an amount equal to the total of 1% of the outstanding balance on the account; interest applied to the account in that month; all Default Sums incurred in that month; and one twelfth of the Annual Fee, or £5.

Repayment terms: Unless you pay the outstanding balance in full, we will allocate your payments to balances which attract the highest interest rate first. We will always allocate your payments to any amounts which have already appeared on a statement before allocating your payments to any amounts subsequently applied to your account.

Statement copy subject to a handling fee of £0.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • Capital One Aspire World MasterCard

  • 19.9% APR Representative
    (Variable)

  • 5% Cashback on all purchases for the first 3 months (thereafter 1.25%)

    • Representative example: When you spend £1,200 at a rate of 19.94% (variable) per annum, your Representative APR is 19.9% APR (variable).
  • 19.9% APR Representative Variable

Features

  • Earn 5% Cashback on your first £2,000 of purchases in the first 3 months and up to 1.25% unlimited cashback thereafter*

Rates

Cash Advance:

  • 3.0%

Default Charges

  • Exceeding personal limit subject to a handling fee of £12.
  • Late payment subject to a handling fee of £12.
  • Returned payment subject to a handling fee of £12.

Eligibility

  • Is not available to existing customers
  • Minimum income of £20000
  • 21 years minimum age
  • Is not available to applicants with County Court Judgements

Charges

Cash withdrawal fee: 19.94% The monthly payment is the full outstanding balance if it is less than £5, but other wise the greater of an amount equal to the total of 1% of the outstanding balance on the account; interest applied to the account in that month; all Default Sums incurred in that month; and one twelfth of the Annual Fee, or £5.

Repayment terms: Unless you pay the outstanding balance in full, we will allocate your payments to balances which attract the highest interest rate first. We will always allocate your payments to any amounts which have already appeared on a statement before allocating your payments to any amounts subsequently applied to your account.

Statement copy subject to a handling fee of £0.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • Santander 123 Credit Card MasterCard

  • 22.8% APR Representative
    (Variable)

  • Earn up to 3% cashback on purchases at supermarkets, department stores and petrol stations

    • 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).
  • 22.8% APR Representative Variable

Features

  • Rewarding your everyday spending
  • It’s also the only credit card that pays your cash back monthly
  • Your 123 Credit Card can be used in conjunction with any other loyalty card or retailer offer.

Rates

Cash Advance:

  • 3.0%

Default Charges

  • Exceeding personal limit subject to a handling fee of £12.
  • Late payment subject to a handling fee of £12.
  • Returned payment subject to a handling fee of £12.

Eligibility

  • Is not available to existing customers
  • Minimum income of £7500
  • 18 years minimum age
  • Is not available to applicants with County Court Judgements

Charges

Cash withdrawal fee: 29.9% All fees, default charges, payment protection insurance premiums, interest plus 1% of the principal and the amount you have exceeded your credit limit (subject to a minimum £5).

Repayment terms: If you do not pay off your balance in full, payments we receive are applied to the highest interest bearing transactions first.

Statement copy subject to a handling fee of £5.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £5.

Voucher copy (Worldwide) subject to a handling fee of £5. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

Original

  • Capital One Classic Extra Visa

  • 34.9% APR Representative
    (Variable)

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

Features

Rates

Cash Advance:

  • 3.0%

Default Charges

  • Exceeding personal limit subject to a handling fee of £12.
  • Late payment subject to a handling fee of £12.
  • Returned payment subject to a handling fee of £12.

Eligibility

  • Is not available to existing customers
  • Minimum income of £10000
  • 18 years minimum age
  • Is available to applicants with County Court Judgements

Charges

Cash withdrawal fee: 34.94% The monthly payment is the full outstanding balance if it is less than £5, but other wise the greater of an amount equal to the total of 1% of the outstanding balance on the account; interest applied to the account in that month; all Default Sums incurred in that month; and one twelfth of the Annual Fee, or £5.

Repayment terms: Unless you pay the outstanding balance in full, we will allocate your payments to balances which attract the highest interest rate first. We will always allocate your payments to any amounts which have already appeared on a statement before allocating your payments to any amounts subsequently applied to your account.

Statement copy subject to a handling fee of £0.

Replacement card subject to a handling fee of £0.

Voucher copy (UK) subject to a handling fee of £0.

Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).

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.

See also the 2012 Credit Card Customer Satisfaction Survey Results