It's quick and easy
See cashback credit card deals at a glance with the key features highlighted such as the interest rate and how much cashback you'll get.
Super save with oUR BEST cashback CARDS
Compare deals without harming your credit score
MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident.
MoneySuperMarket works with a range of household-name credit card providers, including
See cashback credit card deals at a glance with the key features highlighted such as the interest rate and how much cashback you'll get.
We'll show you the best deals from across the market, giving you the widest choice of cashback cards to pick from.
We’ll show you the deals you’re most likely to be accepted for, so you won't risk damaging your credit score by being rejected.
Cashback credit cards are used in the same way as regular credit cards, but each time you make a purchase or pay a bill you’ll earn some money back.
These returns can add up over time and are generally credited back to your account.
The cashback you can earn will vary from card to card but typically it will be from 0.25% to 1% cashback, although introductory rates can be as high as 5% for a limited time.
With a cashback credit card you’ll be paid back a percentage of what you spend on the card. Here’s how cashback credit cards work:
You’ll use your cashback credit card for everyday spending, whether that be at the supermarket, restaurants or one-off purchases
For many of the transactions you make on the card you’ll get a percentage of that spending back in cash
Pay off the card balance each month on time, in full. If you forget, the cashback you’ve earned will be wiped out by interest and fees
When you apply for a cashback credit card it’s not always clear what deal you’ll be offered or whether you’ll be accepted. But when you’re pre-approved, you know the deal you see is the deal you’ll get – you’ll know where you stand, with information that will help you make the right choice.
When you’re pre-approved, the interest rate, interest-free period and fee (if there is one) are all confirmed – the only thing not guaranteed is your credit limit
You’ll see your personalised chance of approval for all credit cards, so you can easily compare your options
This helps protect your credit score as you’re less likely to be rejected when you apply
There are several factors to consider when choosing the right cashback credit card for you, including:
Look for cards that offer the most cashback for every pound you spend and take advantage of bonus offers. Some cards offer extra cashback for a limited period or pay more at certain spending levels.
Some cashback cards may only reward cashback on certain spending, such as supermarket shopping. Pick a card that suits your spending habits and that won’t tempt you to overspend.
Strengthening your credit score can help you to secure the best deals as lenders will see that you’ve handled credit responsibly in the past. We have plenty of tips to help you improve your credit score.
Some cashback cards charge an annual usage fee so make sure to factor in these extra charges when deciding which deal is right for you. Compare interest rates if you won’t clear the balance in full each month.
Cashback credit cards are designed for everyday spending. If you’re unsure if your purchase will receive cashback, make sure to check with your credit card provider. You can typically earn cashback on:
Not sure if a cashback credit card is the right choice for you? Here are some of the advantages and disadvantages to consider:
You can pay off your credit card bill in full every month
You’re planning a one-off purchase anyway but want to take advantage of the cashback
You’ll use the card for everyday spending to maximise your cashback
Your typical spending isn't enough to make the cashback amount worthwhile
You struggle to manage your spending
You don't tend to shop in retailers that accept cashback credit cards
"A cashback credit card can be a great financial product to choose because used wisely it will simply reward you for your everyday spending. Like all credit cards though, you need to abide by the terms and to get the most benefit you should be looking to clear your balance every month. Setting up a direct debit is the easiest way to do this.
"
If you feel that a cashback credit card could be right for you, the next step is to use the MoneySuperMarket Eligibility Checker to see what cards are available – and which are most likely to approve you.
We’ll ask you a handful of simple questions about you and your financial circumstances, and what you need from a credit card
We’ll sift through dozens of credit card offers from across the market, and then show you the cards we think will suit you best
You’ll be shown a range of credit cards, which you’ll then be able to sort according to APR, features and your chances of being approved
If you’ve struggled with credit in the past or have a low credit score, you may find it hard to get a good deal on a cashback credit card. This is because lenders use your credit history to see how responsibly you’ve managed credit in the past, to decide whether to accept you for a credit card.
But while the best cashback cards could be out of reach, this doesn’t mean an instant ‘no’ to borrowing if you have bad credit. There are credit cards for bad credit designed for those who need to improve their credit score, but they may come with lower credit limits and higher interest rates. As you pay off your balance each month, you will see your credit score improve over time which can give you access to better credit deals, including cashback cards. Representative 34.9% APR
Cashback cards and rewards cards are very similar: while a cashback card gives you rewards in the form of money, a rewards card usually gives you other offers and benefits, such as store loyalty points, Air Miles or vouchers for particular retailers.
Both types of card work in the same way: the more you spend, the more you earn. Rewards cards tend to earn you slightly more value, because they tie you into spending with certain brands. In contrast cashback cards can feel more flexible but they may be slightly less valuable in terms of the kickback.
Cashback cards typically have high APRs simply because they offer financial benefits (the cashback) and the card companies want to make money. If you carry a balance on your cashback card you’ll be paying interest on the borrowing.
This is what makes it so important to pay your balance off in full every month: if you don’t, you’ll almost certainly be charged more in interest from the high APR than you earned in benefits.
Cashback credit cards allow you to withdraw cash but, as with all credit cards, it’s not an efficient way to get money. Credit card companies tend to charge high fees to use their cards at an ATM, so it’s best to avoid doing this.
Whether you’re eligible for a cashback credit card will come down to the provider’s view of your finances. They’ll take into account factors such as your credit score and ability to make repayments before approving your application. The good news is that if you use MoneySuperMarket to compare cashback cards, we can show you your chances of being accepted including any cards that you’re pre-approved for. This reduces the chance of being rejected when you apply.
Yes, it is possible to get a rewards debit card. You first need to apply for the current account that the card will be linked to. A rewards debit card then might give you 1% cashback on purchases, for example.
There is nothing to stop you taking out multiple rewards credit cards, but you may wish to look at whether it is a sensible choice. It might make sense if one is a dedicated store card for an outlet where you shop regularly and the other is a more general cashback card. But if the features of the card are similar then simply having one card which offers the best rate could be a more straightforward option and you won’t risk overspending or getting into debt.
If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit cards and compare them by a range of factors, including their interest rates and any benefits and rewards they come with.
All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will show your chances of being accepted for different credit cards. This won’t affect your credit score, so you can run a check without any worries.
Once you know which card you want, you can normally apply by phone, online, or in person if the provider has a high street branch. However, when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.
MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.
Take control of your credit score by checking and improving it for free with Credit Monitor
Never overpay again with Energy Monitor, our energy monitoring service
Over 50 ways to Get Money Calm
So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.
But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?
We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.
