Promotion

Santander 123 Credit Card MasterCard

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

16.5% APR Representative (variable)

Compare cashback credit cards

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

Sort by popularity Features Cashback earned
Annual fee APR
2014 award winner reward cashback
American Express Platinum Cashback Card

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
more info
£194 based on £10,000 spend over 12 months unless otherwise stated
£25 annual fee
18.7% APR Representative (variable)
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).
2014 award winner reward cashback
American Express Platinum Cashback Everyday Card

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
more info
£177 based on £10,000 spend over 12 months unless otherwise stated
19.9% APR Representative (variable)
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).
0% purchase cashback
Santander 123 Credit Card MasterCard

Santander 123 Credit Card MasterCard

  • 18 months 0% on purchases
  • 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
£161 based on £10,000 spend over 12 months unless otherwise stated
£24 annual fee
16.5% APR Representative (variable)
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).
cashback
Capital One Aspire Elite MasterCard

Capital One Aspire Elite MasterCard

  • 5% cashback in your first 3 months
  • Up to 2% cashback thereafter
  • £120 annual fee
more info
£80 based on £10,000 spend over 12 months unless otherwise stated
£120 annual fee
19.9% APR Representative (variable)
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).
most popular 2014 award winner 0% balance transfer 0% purchase travel cashback
Nationwide Select Credit Card

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
£50 based on £10,000 spend over 12 months unless otherwise stated
15.9% APR Representative (variable)
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).
bad credit cashback credit building
aqua Reward MasterCard

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
£50 based on £10,000 spend over 12 months unless otherwise stated
34.9% APR Representative (variable)
Representative example: When you spend £1,200 at a rate of 34.92% (variable) per annum, your representative APR is 34.9% APR (variable).

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this credit card comparison service with information provided by Moneyfacts.co.uk who are authorised and regulated by the Financial Conduct Authority (FSA FRN 486048).

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

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.