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Check your eligibility for credit cards

See if you are likely to get a credit card - it's quick, free, and won't affect your credit score.

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Popularity Basic cashback Annual fee APR
aqua Reward With Cashback

aqua Reward With Cashback

£20 Amazon voucher

aqua Reward With Cashback

  • £20 Amazon gift certificate exclusively through uSwitch (terms apply)
  • Unlimited access to your credit report and no foreign transaction fees
  • Credit limit increase possible after four months
More info
0.5%
No fee
34.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • 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
  • have no Country Court Judgements (past 12 months)

Additional criteria for acceptance from the lender may apply.

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 Credit Card

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)
More info
0.5%
No fee
15.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • have an income of £5,000 or more
  • be an existing Nationwide current account customer
  • no balance transfers from Nationwide credit cards

Additional criteria for acceptance from the lender may apply.

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 Reward Credit Card MasterCard

RBS Reward Credit Card MasterCard

RBS Reward Credit Card MasterCard

  • Limited offer - 0.5% on other purchases plus 1% if you use contactless until 31 June 2016
  • 1% in all supermarkets (0.5% at their petrol stations)
More info
0.5%
£24
17.4% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

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)
Santander 123 Credit Card MasterCard

Santander 123 Credit Card MasterCard

No transfer fee

Santander 123 Credit Card MasterCard

  • First year fee-free if you have or open a 123 Current Account. Otherwise £3 monthly fee
  • Up to 3% cashback available (1% supermarkets, 2% department store, 3% petrol stations, and more)
  • 23 months 0% on purchases, 23 months 0% transfer fee (3% thereafter)
More info
1 to 3%
£36
18.4% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • No transfers from Santander

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 12.7% (variable) per annum, with a £36 annual fee, your representative APR is 18.4% APR (variable)
American Express Platinum Cashback Everyday Credit Card

American Express Platinum Cashback Everyday Credit Card

2016 award winner

American Express Platinum Cashback Everyday Credit Card

  • 5% cashback in your first three months (up to £100)
  • Up to 1.25% cashback thereafter
More info
1.25%
No fee
22.9% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £20,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
American Express Platinum Cashback Credit Card

American Express Platinum Cashback Credit Card

2016 award winner

American Express Platinum Cashback Credit Card

  • 5% cashback in your first three months (up to £125)
  • Bonus cashback - 2.5% if you spend more than £10,001 a year
  • Get 1.25% cashback on virtually every £1 spent
More info
1.25%
£25
28.2% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £20,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 22.9% (variable) per annum, with a £25 annual fee, your representative APR is 28.2% APR (variable)
NatWest Reward Credit Card

NatWest Reward Credit Card

NatWest Reward Credit Card

  • Limited offer - 0.5% on other purchases plus 1% if you use contactless until 31 June 2016
  • 1% in all supermarkets (0.5% at their petrol stations)
More info
0.5%
£24
23.7% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £10,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £24 annual fee, your representative APR is 23.7% APR (variable)

uSwitch Limited is a credit broker, not a lender, for consumer credit products.

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

Frequently asked questions

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, credit cards with cashback 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 - credit cards with cashback 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 cash back 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.

Does uSwitch compare all the credit cards on the market?

We compare credit over 100 credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK.

This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through uSwitch.

There are also many credit cards that are only available to people in member organisations and clubs.