Compare cashback credit cards

Find the best deals for cashback credit cards

Earn cashback as you shop! Use MoneySupermarket's comparison of the best cashback credit cards to find the right one for you, whether you use your card for travel, motoring, everyday shopping or just treating yourself once in while.

Featured cashback credit cards - sorted by cashback rate

Apply for the cards below today or search all cashback cards

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Rewards No rewards
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
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Representative APR % APR

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that you application for each card would be successful.

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 get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

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.

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If you see a high score, you can be fairly confident. The scores aren't a guarantee as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional fraud checks by the provider.

image

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer's acceptance criteria or we have not been able to march your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

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Great for
  • Pay no interest when you spend at least £200 at George.com in the first 6 months
  • Earn 10% cashback when you use this card to take out a selected Asda Money insurance policy
  • Earn 1% cashback on your shopping at Asda and Asda fuel, and earn 0.5% cashback on your spending elsewhere. Cashback paid in vouchers to spend in Asda stores.
But be aware that
  • You might get a different interest rate to the one shown here, because this depends on your circumstances.
  • You must transfer a balance within the first 90 days to get the promotional offer
  • You must have a household income of at least £10,000 a year to be eligible for this card

Representative Example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

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Rewards No rewards
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
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Representative APR % APR
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Great for
  • Earn 5% cashback in the first three months, up to £125.
  • After the first 3 months, earn 1% cashback when you spend up to £10,000 and 1.25% cashback when you spend over £10,001
But be aware that
  • You'll have to pay a £25 annual fee

Representative Example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

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Sorry, we can't help you to apply for this product

Rewards No rewards
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
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Representative APR % APR
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Great for
  • Earn 5% cashback in the first three months, up to £100 - T&C's apply
  • After the first 3 months, earn 0.5% cashback when you spend up to £5,000 and 1% cashback when you spend over £5,001
  • You're eligible to apply for this card even if you've already got an American Express credit card
But be aware that
  • You must spend at least £3,000 a year on the card to qualify for cashback

Representative Example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

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Sorry, we can't help you to apply for this product

Rewards No rewards
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
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Representative APR % APR
2016 SUPERS

Winner of the Best Overall Provider

2016 SUPERS

Winner of the Best Overall Provider

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Great for
  • Get 1% cashback on your spending if you also have a TSB Classic Plus current account, up to a maximum of £5 per month until 30 June 2018. T&Cs apply.
But be aware that
  • You might get a different interest rate or credit limit to the one shown here, because this depends on your circumstances
  • You must transfer a balance within the first 90 days to get the promotional offer
  • You can't transfer a balance from another card issued by TSB

Representative Example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

TSB TSB

Platinum 28 Month Balance Transfer Card

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Rewards No rewards
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
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Representative APR % APR
Limited offer

0.5% balance transfer fee refunded in full for balances transferred within the first 30 days (refund will take up to 60 days). Balance transfers made after first 90 days will have a 3% fee. T&Cs apply. Limited offer, ends 28th February 2018

Limited offer

0.5% balance transfer fee refunded in full for balances transferred within the first 30 days (refund will take up to 60 days). Balance transfers made after first 90 days will have a 3% fee. T&Cs apply. Limited offer, ends 28th February 2018

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Great for
  • 0% interest for first 28 months on balance transfers and 0% interest for first 3 months on purchases
  • 1% cashback on purchases if you also hold the TSB Classic Plus current account. Maximum cashback £5 per month until 30 June 2018 (terms and conditions apply)
But be aware that
  • You must transfer a balance within the first 90 days to get the promotional offer
  • Minimum balance transfer is £100 and is subject to your credit limit. APR and length of promotional period is subject to status.
  • You won't be able to transfer a balance that's already on a TSB card

Representative Example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

TSB TSB

Platinum Purchase Card

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Rewards No rewards
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
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Representative APR % APR
2016 SUPERS

Winner of the Best Overall Provider

2016 SUPERS

Winner of the Best Overall Provider

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Sorry, we can't help you to apply for this product

Great for
  • Get 1% cashback on your spending if you also have a TSB Classic Plus current account, up to a maximum of £5 per month until 30 June 2018. T&Cs apply.
But be aware that
  • You might get a different interest rate, credit limit or promotional period to the one shown here, because this depends on your circumstances.
  • You must transfer a balance within the first 90 days to get the promotional offer
  • You can't transfer a balance from another card issued by TSB

Representative Example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

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Rewards No rewards
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
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Representative APR % APR
Nationwide members only

Nationwide credit cards are for members only. You’re a member if you have a current account, mortgage or savings account with Nationwide. See provider site for more details

Nationwide members only

Nationwide credit cards are for members only. You’re a member if you have a current account, mortgage or savings account with Nationwide. See provider site for more details

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Great for
  • You can transfer a balance to this card with no fee for three months. After three months a 2.4% fee applies (minimum £5)
  • You can use this card abroad with no commission charges
But be aware that
  • You might get a different interest rate to the one shown here because this depends on your circumstances
  • You must transfer a balance within the first 3 months to get the promotional offer
  • You must have a Nationwide current account to be eligible for this card. If you don't have one you can apply for an account and this card at the same time

Representative Example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

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Sorry, we can't help you to apply for this product

Rewards No rewards
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
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Representative APR % APR
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Great for
  • If you're accepted, you'll get the interest rate and promotional period shown here
  • Earn 0.5% cashback on all purchases with opportunity to earn further cashback through Retailers Offers once registered for Online or Mobile Banking
  • No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency. A cash withdrawal fee of 3% (minimum £3) applies
But be aware that
  • There is a £3 monthly fee
  • You must have a gross annual income of £7,500 or more to be eligible for this card
  • You can't transfer a balance from another card issued by Santander, including Cahoot

Representative Example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

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Sorry, we can't help you to apply for this product

Rewards No rewards
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
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Representative APR % APR
Cashback

£20 cashback offer on your first transaction made in a foreign currency by 31st March 2018. T&Cs Apply. Offer ends 28th February 2018

Cashback

£20 cashback offer on your first transaction made in a foreign currency by 31st March 2018. T&Cs Apply. Offer ends 28th February 2018

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Great for
  • You can transfer a balance to this card with no fee
  • You can use this card abroad with no fee
  • You may be eligible to apply for this card even if you've already got another Halifax credit card. Excludes Student Credit Card customers, conditions apply
But be aware that
  • You might get a different interest rate to the one shown here, because this depends on your circumstances
  • You can't transfer a balance from another card issued by Halifax

Representative Example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

Cashback credit cards - all you need to know

Credit cards that ‘reward’ you for using them are increasing in popularity.

The overall number of credit card transactions in the UK is steadily increasing, up 8.7% in a year. This, coupled with the variety of rewards cards on the market, is encouraging consumers to think about whether their spending could earn them real-life benefits – such as cashback.

What is a cashback card?

Cashback credit cards literally pay you back for using them. Qualifying purchases at supermarkets, department stores and petrol stations, for example, can put a portion of the spend back onto your card balance.

The rate of cashback varies by card, and can change depending on where you shop, with certain types of spending not attracting any cashback.

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

Reward type

Different cashback rates

Some cards offer different cashback rates for different types of spending: you might earn 1% cashback if you use your card in a supermarket and 3% for spending at a petrol station.

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 only offer cashback if you spend at a certain store and many pay a high introductory cashback rate for a limited period. This means you could earn 5% cashback for the first three months, but move onto a standard rate of 1% thereafter.

Who should carry a cashback card?

Big spenders can earn generous amounts of cashback, especially if they take advantage of introductory offers and use the card for big ticket items, such as holidays and furniture. 

Reward type

UK Finance data for June 2017

But the cashback does not usually make up for a high interest rate. For example, if you spend £2,000 on the card in one month and earn 3% cashback, you could expect a £60 credit to your next bill.

But if the interest rate on the card is 18.9%, as is common, you could end up paying more in interest than you earn in cashback. Borrowers who lack discipline might also be tempted to run up big debts in an attempt to earn more cashback each month.

Clear your debts

Cashback cards are therefore best suited to people who pay off their bill in full each month. Such people do not borrow on the card and therefore do not pay any interest, so the interest rate on the card is irrelevant and the cashback is essentially free money.

Golden rules

Annual Fee

A number of cashback cards charge an annual fee, which could range from £25 to more than £100.

Annual fees make the cards less attractive, but they may still be worth considering depending on the cashback rate, your spending habits and what else the card offers.

Finding the best cashback card

For people paying off their credit card bills each month, cashback cards a sensible choice. However, with so many different cards and cashback rates on offer, it can be tricky to find the best deal.

But comparison websites such as MoneySupermarket make it easy. We compare cashback credit cards from leading issuers to help you pick the right card – and we’ll even show you the likelihood that you’ll be accepted for each card.

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.