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

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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 used the details you gave us to show you how likely you are to be accepted for each card.

Why is this important?

Every time you apply for a credit card, your credit score takes a small hit, so it's better to make an application that has a high chance of success. 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, it's unlikely you'll get the card, so it could be worth looking at others.

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Our Smart Search uses the same criteria lenders do. If you have cards with high scores, you can be fairly confident in applying however the lender decides whether to say "yes" or "no".

If you see a guaranteed score, the lender won't do a further credit check, but will do additional fraud checks to verify your identity. Assuming everything you told us is correct, your application will be successful.

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If you're rated "not eligible" for a particular card, this could be for one of several reasons. You may already have a card with that provider, and some lenders don't like giving a second one to the same person. Or, occasionally lenders will restrict cards to their current account holders only, meaning you'll be scored not eligible if you don't have one.

If you're rated as "not eligible" for a lot of the cards, then it's likely that your credit score's too low to qualify - perhaps you've missed payments in the past, or you've a CCJ or bankruptcy on your report? If not, but you have a lot of debt already, it could be that lenders are concerned about the levels of debt you already have.

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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 match your details at the credit bureau to be able to do the smart search check.

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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.

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
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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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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.

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
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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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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.

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 0.2% 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
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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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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.

Great for
  • Spend abroad with no added fees and with nothing added on top of the Mastercard exchange rate
  • Enjoy 0.5% cashback on all your purchases over £1, everywhere in the world.
  • Manage your holiday spending with real time in-app notifications
But be aware that
  • You might get a different interest rate to the one shown here, because this depends on your circumstances
  • You must earn at least £13000 a year to be eligible for this 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

If you're accepted, you'll get the interest rate and promotional period shown here

If you're accepted, you'll get the interest rate and promotional period shown here

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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.

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
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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 credit 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.