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).
Get 5% cashback with American Express
- American Express Platinum Cashback
- 2.5% cashback bonus in anniversary month
- 1.25% cashback on all purchases
- 18.5% representative APR (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 18.5% APR (variable).
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15.9% APRNationwide BS Credit Card Balance Transfer Visa Nationwide BS
- 0.0% balance transfer for 17 months (2.95% fee)
- 0.0% on purchases for 3 months
features
- 0.0% balance transfer for 17 months (2.95% fee)
- 0.0% on purchases for 3 months
- Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission. Rewards scheme providing savings on major brands including Holiday Inn, Wickes, Butlins, Urban Outfitters, Gourmet Society, Kwik Fit, aka Promotions (West End Theatre) and Virgin Holidays - these offers are reviewed on a regular basis.
rates
- Introductory rate 0.0% for 3 months, Monthly rate 0.0%, Yearly rate 0.0%
- Introductory rate 0.0% for 17 months, Monthly rate 0.0%, Yearly rate 0.0%
- Monthly rate 2.075%, Yearly rate 27.9%
eligibility
- Is not available to existing customers
- Minimum income of £5000
- 18 years minimum age
- Is not available to applicants with County Court Judgements
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
charges
- Interest fee on purchases: 0.0%
- Cash withdrawal fee: 27.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
- Repayment terms: We will apply payments first to debts appearing on your statement in a high to low interest rate order, and then to any transactions that have not yet appeared on your statement, in the same high to low order. If you have more than one balance with the same interest rate we will reduce the balance with the earliest expiry date first.
Representative example: When you spend £1200 at a rate of 15.9% (variable) per annum, your Representative APR is 15.9% APR (variable).
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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
- Monthly rate 2.08%, Yearly rate 27.9%
eligibility
- Is not available to existing customers
- Minimum income of £20000
- 18 years minimum age
- Is not available to applicants with County Court Judgements
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
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.
Representative example: When you spend £1200 at a rate of 14.0% (variable) per annum, with a £25 annual fee, your Representative APR is 18.5% APR (variable).
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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
- Monthly rate 1.53%, Yearly rate 19.94%
eligibility
- Is not available to existing customers
- Minimum income of £20000
- 21 years minimum age
- Is not available to applicants with County Court Judgements
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
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.
Representative example: When you spend £1200 at a rate of 19.94% (variable) per annum, your Representative APR is 19.9% APR (variable).
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features
- Earn cashback on your daily shopping, from your local Supermarket and petrol station to Harrods, John Lewis and Selfridges, Annual Fee of £24
rates
- Monthly rate 2.207%, Yearly rate 29.9%
eligibility
- Is not available to existing customers
- Minimum income of £7500
- 18 years minimum age
- Is not available to applicants with County Court Judgements
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
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.
Representative example: When you spend £1200 at a rate of 18.9% (variable) per annum, with a £24 annual fee, your Representative APR is 22.8% 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.