Monthly purchases:
One off purchase:
We've assumed: change
You'll spend 120 in supermarkets, 60 on daily travel & 120 on other purchases each month.
This comparison includes all credit cards that offer cashback on purchases.
This comparison now shows cashback credit cards that fit your criteria.
We are a comparison website that's authorised and regulated by the FCA as a credit broker. How our site works.
NatWest Cashback Plus
Cashback
up to 10%
Annual Fee
£24
Representative APR (variable)
17.4% APR
You could earn up to
£18.48 in a year
10% cashback in UK restaurants and bars until 30th June 2015. Plus 1% in Supermarkets, 1% at selected cashback retailers, 0.5% everywhere else.
Representative Example: The standard interest rate on purchases is 12.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 17.4% APR (variable). £24 annual fee.
RBS Cashback Plus
Cashback
up to 10%
Annual Fee
£24
Representative APR (variable)
17.4% APR
You could earn up to
£18.48 in a year
10% cashback in UK restaurants and bars until 30th June 2015. Plus 1% in Supermarkets, 1% at selected cashback retailers, 0.5% everywhere else.
Representative Example: The standard interest rate on purchases is 12.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 17.4% APR (variable). £24 annual fee.
American Express Platinum Cashback Credit Card
Cashback
5% for 3 months, then 1.25%
Annual Fee
£25
Representative APR (variable)
18.7% APR
You could earn up to
£54.03 in a year
Get 5% cashback on up to £2,500 of purchases in your first 3 months of Card membership, then 1.25% thereafter.
Representative Example: The standard interest rate on purchases is 14% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.7% APR (variable). £25 annual fee.
American Express Platinum Cashback Everyday Card
Cashback
5% for 3 months, then up to 1.25%
Annual Fee
£0
Representative APR (variable)
19.9% APR
You could earn up to
£58.83 in a year
Representative Example: The standard interest rate on purchases is 19.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% APR (variable).
Santander 123 Credit Card
Cashback
up to 3%
Annual Fee
£24
Representative APR (variable)
16.5% APR
You could earn up to
£16.32 in a year
Representative Example: The standard interest rate on purchases is 12.7% p.a. (variable), so if you borrow £1,200 the Representative APR will be 16.5% APR (variable). £24 annual fee.
Asda Money Credit Card
Cashback
up to 1%
Annual Fee
£0
Representative APR (variable)
18.9% APR
You could earn up to
£28.80 in a year
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Aqua Reward Credit Card
Cashback
0.5%
Annual Fee
£0
Representative APR (variable)
34.9% APR
You could earn up to
£18 in a year
Free aqua credit checker. Aqua has said yes to over 750,000 customers in the UK.
Representative Example: The standard interest rate on purchases is 34.91% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Costco TrueEarnings Credit Card
Cashback
up to 3%
Annual Fee
£0
Representative APR (variable)
19.9% APR
You could earn up to
£50.40 in a year
Any cashback earned will be paid in the form of a voucher which will be redeemable in UK Costco warehouses only.
Representative Example: The standard interest rate on purchases is 19.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% APR (variable).
Nationwide Select Credit Card
Cashback
0.5%
Annual Fee
£0
Representative APR (variable)
15.9% APR
You could earn up to
£18 in a year
To be eligible you have to hold a FlexAccount with a Visa debit card (not cash card) and pay in £750+ each month (excluding internal transfers).
Representative Example: The standard interest rate on purchases is 15.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 15.9% APR (variable).
Nationwide Select Credit Card (15/15)
Cashback
0.5%
Annual Fee
£0
Representative APR (variable)
15.9% APR
You could earn up to
£18 in a year
Representative Example: The standard interest rate on purchases is 15.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 15.9% APR (variable).
Bank of Ireland MoneyBack Gold Credit Card
Cashback
0.5%
Annual Fee
£0
Representative APR (variable)
17.9% APR
You could earn up to
£18 in a year
Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 17.9% APR (variable).
Bank of Ireland MoneyBack Standard Credit Card
Cashback
0.5%
Annual Fee
£0
Representative APR (variable)
17.9% APR
You could earn up to
£18 in a year
Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 17.9% APR (variable).
The Co-operative Bank Members' Credit Card Ex/C
Cashback
up to 0.5%
Annual Fee
£0
Representative APR (variable)
15.9% APR
You could earn up to
£13.68 in a year
This product is only available to existing customers.
Representative Example: The standard interest rate on purchases is 15.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 15.9% APR (variable).
Smile Classic Credit Card (non-smile)
Cashback
0.25%
Annual Fee
£0
Representative APR (variable)
20.9% APR
You could earn up to
£9 in a year
Representative Example: The standard interest rate on purchases is 20.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% APR (variable).
Smile Classic Credit Card
Cashback
0.25%
Annual Fee
£0
Representative APR (variable)
16.9% APR
You could earn up to
£9 in a year
Representative Example: The standard interest rate on purchases is 16.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 16.9% APR (variable).

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How to Choose the Best Cashback Credit Card

by Martin from money.co.uk

Getting a little money back from your credit card can be a great way to make using plastic pay. However, with a whole host of cashback credit cards available you need to do a thorough cashback credit card comparison to make sure you get the best deal.

Two pretty women pay with credit card

If you want a credit card that gives you something back and feel confident that you will be able to clear your balance in full each time you get a statement, then getting one of the top cashback credit cards could be a good idea.

Credit cards with cashback reward you for using the card to pay for anything from day to day shopping to booking a holiday or buying a car. Rather wonderfully they do this by paying you a percentage of your total spend back in cold hard cash.

This means that as long as you pay off the outstanding balance each month you can actually be paid for using cashback credit cards.

The amount you can earn from credit card cashback can vary significantly, meaning you need to look at a selection of cashback credit cards compare their features and rates and check you meet the application criteria to find the best cashback credit cards for you.

Of course, the best cashback credit card for you may also depend on how you plan to use it.

If you are looking to make a large purchase, or a series of transactions in a short space of time (such as shopping for Christmas gifts or planning a wedding) then high introductory cashback credit card offers could be the best choice.

These cards will offer an elevated rate of cashback for a number of months providing you spend a certain amount. After the introductory period ends the rate of cashback paid is likely to be significantly reduced.

Alternatively if you plan to use the card to get money back on day to day spending on an ongoing basis then the standard cashback rate will be more important than short term bonuses so that you're able to earn the most cash possible.

However, it's really important to bear in mind that if you hold an outstanding balance on your cashback credit card then the interest you'll be charged each month is likely to outweigh the cashback you'll have earn even on the very best cashback credit cards.

This means that if you're unlikely to pay off the balance of your cash back credit card each month then you may be better looking for card with 0% purchases to avoid hefty interest charges.

Traditionally cashback American Express cards have been the most common, however you can now also get cashback Visa or MasterCard as well, meaning you can earn cashback almost anywhere worldwide.

You can compare cashback credit cards side by side using our cash back credit cards comparison table.