Compare cashback credit cards

Compare the best cashback credit cards and earn money back on your card spending

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aqua Reward MasterCard

Bad Credit Travel Cashback Credit Building

aqua Reward MasterCard

Features
  • 0.5% cashback and no foreign transaction fees
  • Unlimited access to your credit report
  • Credit limit increase possible after 4 months
more info
34.9%
Representative (variable)
No fee
£50
Cashback over 12 months
Based on 0.5% cashback on £10,000 spent
Apply
To get this card you must be 18 or older, have a permanent UK address, have a UK current bank or building society account, not be registered bankrupt in past 18 months or have proceedings and have no Country Court Judgements (past 12 months).
Representative example: When you spend £1,200 at a rate of 34.91% (variable) per annum, your representative APR is 34.9% APR (variable).

Nationwide Select Low Balance Transfer Fee Visa

2014 award winner reduced fee offer 0% Balance Transfer 0% Purchase Cashback

Nationwide Select Low Balance Transfer Fee Visa

Features
  • Nationwide current account customers only
  • 15 months 0% on purchases & 15 months 0% on balance transfers (0.25% fee)
  • 0.5% cashback on all sterling purchases & no foreign transaction fees
more info
15.9%
Representative (variable)
No fee
£50
Cashback over 12 months
Based on 0.5% cashback on £10,000
Apply
To get this card you must be a permanent UK resident, be 18 or older, have a good credit rating, be a Nationwide current account customer and have an income of £5,000 or more.
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).

Nationwide Select Credit Card

2014 award winner 0% Balance Transfer 0% Purchase Cashback Travel

Nationwide Select Credit Card

Features
  • 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
more info
15.9%
Representative (variable)
No fee
£50
Cashback over 12 months
Based on 0.5% cashback on £10,000
Apply
To get this card you must be a permanent UK resident, be 18 or older, have a good credit rating, have an income of £5,000 or more and be an existing Nationwide current account customer.
Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).

RBS Cashback Plus Credit Card MasterCard

limited offer Cashback

RBS Cashback Plus Credit Card MasterCard

Features
  • OFFER - 10% cashback on UK restaurants/bars spending (April 1st - June 30th)
  • 1% cashback on supermarket shopping and from selected retailers
  • 0.5% cashback on all other purchases
  • additional 1% if you use contactless
more info
17.4%
Representative (variable)
£24
Annual fee
£106
Cashback over 12 months
Based on 1% cashback on £4,000 at supermarkets, 1% on £600 at NatWest Cashback Plus retailers and 0.5% on £4,800 spent on all other purchases, £600 spent in restaurants and bars minus £24 annual fee
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
Representative example: When you spend £1,200 at a rate of 12.2% (variable) per annum, with a £24 annual fee, your representative APR is 17.4% APR (variable).

Santander 123 Credit Card MasterCard

most popular 0% Purchase Cashback 0% Balance Transfer

Santander 123 Credit Card MasterCard

Features
  • First year fee-free if you have or open a 123 Current Account. Otherwise £24 annual fee 23 months
  • 0% on purchases and balance transfers; 23 months 0% transfer fee (3% thereafter)
  • Up to 3% cashback available
more info
16.5%
Representative (variable)
£24
Annual fee
£101
Cashback over 12 months
Based on 3% cashback on £2500 plus 2% cashback on 2500, plus 1% cashback on 5000
Apply
To get this card you must be a permanent UK resident, be 18 or older and have a good credit rating.
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).

American Express Platinum Cashback Everyday Card

Reward Cashback No Annual Fee

American Express Platinum Cashback Everyday Card

Features
  • 5% cashback in your first 3 months (up to £100)
  • Up to 1.25% cashback thereafter
more info
19.9%
Representative (variable)
No fee
£177
Cashback over 12 months
Based on 5% cashback on £2,000 (max) plus 0.5% on £3,500, 1% on £3,500 and 1.25% on £1,999
Apply
To get this card you must be a permanent UK resident, be 18 or older, have an income of £20,000 or more and have a good credit rating.
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable).

American Express Platinum Cashback Card

Reward Cashback Premium Credit Cards

American Express Platinum Cashback Card

Features
  • 5% cashback in your first 3 months (up to £125) 1.25% cashback thereafter
  • Bonus 2.5% cashback if you spend more than £10001 in a year
  • £25 annual fee
more info
18.7%
Representative (variable)
£25
Annual fee
£194
Cashback over 12 months
Based on 5% cashback on £2,500 plus 1.25% on £7,500, minus £25 annual fee
Apply
To get this card you must be a permanent UK resident, be 18 or older, have an income of £20,000 or more and have a good credit rating.
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).

NatWest Cashback Plus Credit Card

limited offer Cashback Reward Premium Credit Cards

NatWest Cashback Plus Credit Card

Features
  • OFFER - 10% cashback on UK restaurants/bars spending (April 1st - June 30th)
  • 1% cashback on supermarket shopping and from selected retailers
  • 0.5% cashback on all other purchases
  • additional 1% if you use contactless
more info
17.4%
Representative (variable)
£24
Annual fee
£106
Cashback over 12 months
Based on 1% cashback on £4,000 at supermarkets, 1% on £600 at NatWest Cashback Plus retailers and 0.5% on £4,800 spent on all other purchases, £600 spent in restaurants and bars minus £24 annual fee
Apply
To get this card you must be a permanent UK resident, be 18 or older, have an income of £10,000 or more and have a good credit rating.
Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, with a £24 annual fee, your representative APR is 17.4% APR (variable).

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Compare cashback credit cards

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 cashback 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.

If you can't pay your balance off in full you are likely to be better off with a low APR credit cards

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.