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Cashback credit cards

Compare cashback credit cards

Find the best deals for cashback credit cards

Want to automatically earn cashback as you shop? Compare the best cashback credit cards to find the right one for you, whether you use your card for travel, everyday shopping or just the occasional treat.

Featured cashback credit cards - sorted by cashback rate

Apply for the cards below today or search all cashback cards

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Your personalised chance of approval

Chance of approval 10/10 GUARANTEED

Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10

Chance of approval Not rated

Chance of approval Not eligible

Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.

We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.

You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.

This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.

This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.

It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

See the full approval scale

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better to get it right the first time. Your scores help you understand which cards you have the strongest chance of getting. The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Chance of approval scale

10/10 = Pre-approved

Chance of approval 10/10 GUARANTEED

10/10 GUARANTEED

10/10 = Pre-approved

Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.

9.5/10 - 7/10 = Good chance

Chance of approval 9.5/10

9.5/10

Chance of approval 9/10

9/10

Chance of approval 8/10

8/10

Chance of approval 7/10

7/10

9.5/10 - 7/10 = Good chance

This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.

6/10 - 4/10 = Fair chance

Chance of approval 6/10

6/10

Chance of approval 5/10

5/10

Chance of approval 4/10

4/10

6/10 - 4/10 = Fair chance

This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.

3/10 - 1/10 = Low chance

Chance of approval 3/10

3/10

Chance of approval 2/10

2/10

Chance of approval 1/10

1/10

3/10 - 1/10 = Low chance

Not eligible = Consider a different card

Chance of approval Not eligible

Not eligible

Not eligible = Consider a different card

Not rated = We don’t have enough infoinformation

Chance of approval Not rated

Not rated

Not rated = We don’t have enough infoinformation

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Chance of approval 10/10 GUARANTEED

Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10

Chance of approval Not rated

Chance of approval Not eligible

Chance of approval Eligibility checker Check your eligibility

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What's this?

Go to site

Chance of approval 10/10 GUARANTEED

Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10

Chance of approval Not rated

Chance of approval Not eligible

Chance of approval Eligibility checker Check your eligibility

Start

What's this?

Go to site

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Main features

Balance transfers

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–

Purchases

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–

Money transfers

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–

Fees

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Cash advances

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Annual fee

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Monthly fee

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What's good about this card

What to be aware of

Repayment details

Interest free period – up to {{sliderProduct.productAttributes.repaymentDetails.interestFreePeriod}} days
Your monthly minimum payment will be the greater of:
- {{sliderProduct.productAttributes.repaymentDetails.minimumMonthlyRepayRate}}% of the outstanding balance on your statement (minimum £{{sliderProduct.productAttributes.repaymentDetails.minimumMonthlyRepayAmount}})
- The full balance if less than £{{sliderProduct.productAttributes.repaymentDetails.minimumBalanceToAvoidPayingFullBalance}}
- {{sliderProduct.productAttributes.repaymentDetails.percentageOfBalanceToPayAfterMissedPayment}}% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.

American Express

Cashback {{::product.productAttributes.interestRates.longTermInterestRates.cashback.annualRate}}%

Up to {{::product.productAttributes.interestRates.introductoryInterestRates.cashback.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.cashback.durationInMonths}} {{'month' | pluralize}} Up to {{::product.productAttributes.interestRates.longTermInterestRates.cashback.annualRate}}% thereafter

—

Purchases

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—

Representative APR

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Go to site

Full product details

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—

Purchases

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Representative APR

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American Express

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Purchases

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Representative APR

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—

Go to site

Full product details

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—

Purchases

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Representative APR

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—

See more credit cards

EXPLORE MORE CREDIT CARDS

Cashback credit cards – all you need to know

Credit cards that ‘reward’ you for using them are increasing in popularity, and they can be a great way to earn something back, so long as you use them sensibly.

With a wide variety of cashback and rewards available on the market, comparing what’s out there will help you to decide whether a cashback card is right for you.

What is a cashback credit card?

Cashback credit cards offer money back as you spend. In other words, when you make a purchase, you’ll earn a percentage of that spend back.

The rate of cashback can vary depending on where you shop, or it might vary depending on the amount you spend. Some purchases might not earn you any cashback at all.

The money is paid monthly or annually as credit on your credit card balance. However, the maximum amount you can earn is usually capped.

Different cashback rates

Some cashback cards offer different cashback rates for certain types of spending: you might, for example, earn 1% cashback if you use your card in a particular supermarket and 0.5% for spending elsewhere.

You might also earn a different rate depending on how much you spend. For example, the cashback rate might be 1% on spending up to £3,000, but 1.5% if you spend more.

Some cards will only offer cashback if you spend at a certain store and others pay a high introductory cashback rate for a limited time. This means you could earn 5% cashback for the first three months, but move onto a standard rate of 1% after that.

What is the interest rate on a cashback credit card?

It’s important to be aware that the annual percentage rate (APR) on a cashback credit card is typically higher than on a standard credit card. A typical card might charge 18.9% APR, but a cashback card could charge 22.9% APR or more.

To avoid paying these high rates, it’s always best to clear your balance every month and don’t spend more on your card than you can afford to pay back.

Is it worth getting a cashback credit card?

Before you get a cashback credit card, it’s worth considering how much you spend each month and where you spend it.

Keep in mind that cashback credit cards generally have a higher rate of interest, so it’s best to only apply for one if you know you can afford to pay off your balance in full each month – otherwise the interest charged will fast outweigh the benefits.

Some cashback cards will also have a monthly or annual fee, so you need to consider whether this cost will outstrip the amount of cashback you earn.

Generally speaking, if you spend a lot on your card and clear your balance each month, a cashback card can be a great way to earn something back.

Another good way to use cards like these is to use them for big-ticket items such as holidays or furniture, and take advantage of introductory offers.

Compare and find the best cashback card

For those who pay off their credit card bill in full each month, a cashback card can be a great way to earn a little extra. But with so many different cards and cashback rates on offer, it can be tricky to find the best deal.

Comparing cashback credit card deals with MoneySuperMarket makes it easy. We compare cashback credit cards from leading issuers to help you pick the right card – and our Eligibility Checker will show you how likely you are to be accepted for each card, without hurting your credit score.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

MoneySuperMarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.