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Compare cashback credit cards

With a cashback credit card you earn back a percentage of the money you spend on the card. Compare our best cashback credit cards below and see if there's one that's right for you. Additional results may be available with an eligibility check.

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  • 2It won't affect your credit score
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Uswitch Limited is a credit broker, not a lender, for consumer credit.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

What is a cashback credit card?

Cashback credit cards are a type of credit card that gives you the chance to earn some cash back every time you use your credit card.

  • Paying you a small percentage of the purchase price back

  • Giving you reward points

  • Get money off the things you buy

For example: if your card pays 1.5% cashback and you spend £100 in a shop, you will earn £1.50 back.

Think of it as a small discount for each purchase.

While the amount of cash for a single purchase may seem small, over time these amounts can add up and really save you money.

Some cash back credit cards will pay you your cashback monthly, but it's usually once a year.

How does credit card cashback work?

If a cashback credit card pays 1% cash back on everything you buy, you could earn £50 if you spend £5,000 a year.

While this might not seem like a lot, if there are no fees associated with the card, it's essentially free money.

Sometimes cashback is only offered on a few things you buy, like petrol or your energy bills.

How to find the best cashback credit card?

To find the best cash back credit card for you, take into account the options. Some credit cards offering the top cash back deals are only accepted in a few shops and services, such as American Express.

This may mean you can’t use it for your regular shopping trips. Cashback credit cards have different terms and conditions, for example:

Introductory offer

The top cashback cards often only offer the best cash back rate for a short period of time. These introductory offers may only be for as little as three months. So you may get a % cash back on what you spend for the first few months of using the card.

Minimum spend

You may need to spend a minimum amount on a cash back credit card to actually get the cash back. Where you're unlikely to spend the minimum, there's little point getting the cash back credit card.

Annual fees

Some cash back credit cards charge a yearly fee. These cashback credit cards can offer the best cash back rates. But you need to work out if the cashback you are likely to get will be more than the fee you have to pay for the card.

Find the credit card that's right for you

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Is a cashback credit card right for me?

To get the best cashback credit card deals, you should only spend what you need. Spending more on a cashback credit card just to earn more cashback is a bad idea.

If you spend more than you can afford on your cashback credit card, you may not be able to pay it off. Then you will be charged interest.

These interest charges will be higher than the cashback you earn, so you will lose out.

If you can't pay off the balance of your credit card each and every month, the interest will cost you far more than any rewards you might earn.

Always aim to pay off your credit card each month on time, and in full.

The difference between a cashback card and a rewards card


Cashback

  • Earn you cash back every time you spend money on the card

  • Usually the cash back is given to you as money off the amount you owe on your credit card

  • No-fuss way to save some money on your everyday purchases

For example, if you spend £10,000 on a cashback credit card that gives you 1.5% cashback, you will have earned £150 cash back.

So your credit card bill is £9,850 instead of £10,000.


Reward credit cards

  • With reward credit cards you earn points (These can be worth different amounts with different reward cards)

  • All rewards cards also don’t offer the same kinds of rewards

  • Some may offer points, air miles, or hotel vouchers

For example, you may earn 1 point for every pound you spend. If you spend £10,000 you will earn 10,000 points. The reward points may be worth 1p each.

So you would earn £100 as a reward.

Cashback credit cards FAQS

What is a credit card?

Read our guide to learn how a credit card differs from a loan, and how to responsibly use one.

Section 75 - What is credit card protection?

For many people using a credit card can offer great benefits. A key perk of owning a credit card is the protection you're given with Section 75.

How to pay off credit card debt

Here is our step-by-step guide to help you pay off credit card debt, rebuild your credit score and regain your financial health.

Debt help

Debt can often cause stress and anxiety, our debt help guides provide tips and resources, to get back on track with your finances.

Help is at hand

Check your eligibility for credit cards

  • 1Improve your chances of being accepted
  • 2It won't affect your credit score
  • 3It's quick, free and easy