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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 cashback cards from 2 companies below and see if there's one that's right for you.

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Barclaycard Rewards Credit Card

Barclaycard Rewards Credit Card
22.9% APR
Representative APR (variable)
No
Account fee
0.25% cashback
Cashback
Apply
Representative example: When you spend £1,200 at a rate of 22.90% (variable) per annum, your representative APR is 22.90% APR (variable)

American Express Platinum Cashback Credit Card

Award Winner
American Express Platinum Cashback Credit Card
Award Winner
28.2% APR
Representative APR (variable)
£25
Yearly fee
5% cashback in your first three months
1% cashback on spending up to £10,000
1.25% cashback on spending over £10,001
Cashback
Apply
Representative example: When you spend £1,200 at a rate of 22.90% (variable) per annum, your representative APR is 28.20% APR (variable)

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Frequently asked questions

About cashback credit cards

Get money back on your credit card purchases with a cashback credit card. You could potentially earn £100s a year.

What is a cashback credit card?

A cashback credit card is a type of reward credit cards. It allows you to earn money back on your credit card spending.

For every £1 you spend on your credit card, you receive a percentage back to your account either monthly or annually.

You usually get back between 0.5% and 1.25% of the amount you spend as cashback.

For example:

You 1% back on all spending

You buy an item costing £350

1% is £3.50. So you earn back £3.50 in cashback

Credit cards with cashback can be a great way of earning extra cash, as long as you pay off your balance in full each month.

What's the difference between a cashback card and a rewards card?

A cashback card is a specific type of reward credit card

With a reward credit card you can earn points that you can exchange for things like vouchers and discounts.

With a cashback credit card, instead of earning points, you can earn back a percentage of the money you spend.

Whether cashback or reward points are more valuable to you will depend on the rates you're offered, and where you usually spend your money.

Find out more about reward credit cards.

Should I get a cashback credit card?

This depends on how you use your credit card.

A cashback credit card could help you earn money back on your spending if you're always able to pay off your balance in full.

You might not benefit if you're unable to pay off your balance

A cashback credit card might not be your best option if you're unable to pay your balance off in full each month.

Credit cards with cashback often have high interest rates. This means that any cashback you earn could work out being less than the interest you owe on your outstanding balance.

For example:

You earn £75 in cashback

You've been unable to pay off your balance in full

You owe £80 in interest charges

You owe more money interest than you've earned in cashback

If you can't pay your balance off in full you might be better off considering low APR credit card.

How do I find the best cash back credit cards?

What makes the best cashback card for you will depend on your needs.

0% introductory offer might not be the best deal in the long term

Many cashback credit cards will have a higher than average introductory cashback rate to entice new customers. But you might 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.

Look at the different cashback rates offered

You might get a different rate depending on how much you spend, and where you spend.

Some credit cards with cash rewards offer more cashback the more you spend on the card. For example, you might get might get a 1% cashback rate on spending up to £2,000. But 1.25% if you spend more.

Some cashback credit cards will offer different rates for different types of spending. For example, you might get 1% on spending in a certain supermarket, and just 0.2% on spending anywhere else.

With some cashback cards, you might only get the top cashback deals when spending in a particular shop.

Consider the annual fees and APR

The credit cards with the highest cashback often come with annual fees or a high APR.

Make sure you'll get the true benefit. Keep up with the repayments to avoid interest repayments and make sure you'll earn enough in cashback to cover any annual fees.