Compare Cashback Credit Cards

Find the cashback credit card that will give you the most money back when you spend in minutes; our dedicated cash back credit cards comparison tables make it easy to compare the best standard and introductory cashback credit card offers so you find the cashback credit card that will pay you the most money in minutes.
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CashbackRepresentative APR  
Intro OfferMinimum RateMaximum RateStandard RateMaximum Spend(Variable) 
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American Express
 
Platinum Cashback Credit Card
1.25%5%1.25%Unlimited18.5%
Representative Example: The annual purchase rate is 14% p.a.(variable) so if you spend £1,200 your representative APR will be 18.5% (variable)+£25 fee p.a
Introductory bonus - 5% cashback on the first £2,000 of purchases in your first three months.
Capital One
World MasterCard
0.5%5%0.5%Unlimited19.9%
Representative Example: The annual purchase rate is 19.94% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
Earn 5% Cashback on purchases for your first 3 months, max £100. Capital One, Trent House, Station Street, Nottingham, NG2 3HX
Santander
123 Cashback Credit Card
1%3%2%Unlimited22.8%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 22.8% (variable)+£24 fee p.a
Annual £24 fee.
Earn 3% cashback at petrol stations, 2% cashback in department stores & 1% cashback in supermarkets. Earn £228 a year on an average family spend.
Creation
Cashback Card
0.5%1.5%0.5%Unlimited18.9%
Representative Example: The annual purchase rate is 19% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Nationwide
Select Credit Card
0.5%0.5%0.5%Unlimited12.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
To be eligible you have to hold a FlexAccount with a Visa debit card (not cash card+) and pay in £750 or more each month (excluding internal... more
Capital One
Business Card
0.5%5%0.5%Unlimited16.9%
5% cashback - great rewards for small business
Full Results
American Express
 
Platinum Cashback Credit Card
1.25%5%1.25%Unlimited18.5%
Representative Example: The annual purchase rate is 14% p.a.(variable) so if you spend £1,200 your representative APR will be 18.5% (variable)+£25 fee p.a
Introductory bonus - 5% cashback on the first £2,000 of purchases in your first three months.
Capital One
World MasterCard
0.5%5%0.5%Unlimited19.9%
Representative Example: The annual purchase rate is 19.94% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
Earn 5% Cashback on purchases for your first 3 months, max £100. Capital One, Trent House, Station Street, Nottingham, NG2 3HX
Capital One
Business Card
0.5%5%0.5%Unlimited16.9%
5% cashback - great rewards for small business
Santander
123 Cashback Credit Card
1%3%2%Unlimited22.8%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 22.8% (variable)+£24 fee p.a
Annual £24 fee.
Earn 3% cashback at petrol stations, 2% cashback in department stores & 1% cashback in supermarkets. Earn £228 a year on an average family spend.
Creation
Cashback Card
0.5%1.5%0.5%Unlimited18.9%
Representative Example: The annual purchase rate is 19% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
The Co-operative Bank
 
Members' Cashback Credit Card Ex/C
0.5%1%0.5%Unlimited15.9%
Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
This product is only available to existing customers.
Virgin
Charity Credit Card
0.8%0.8%0.8%Unlimited12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
Virgin
Marathon Credit Card
0.8%0.8%0.8%Unlimited12.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
Nationwide
Select Credit Card
0.5%0.5%0.5%Unlimited12.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
To be eligible you have to hold a FlexAccount with a Visa debit card (not cash card+) and pay in £750 or more each month (excluding internal... more
Bank of Ireland
MoneyBack Gold MasterCard
0.5%0.5%0.5%£15,00017.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Bank of Ireland
MoneyBack Standard MasterCard
0.5%0.5%0.5%£15,00017.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
First Trust
Credit Card Option 1
0.5%0.5%0.5%£50,00018.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Leeds Building Society
 
Platinum Credit Card
0.5%0.5%0.5%Unlimited17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Creation
Balance Transfer Card (12 Mth)
0.5%0.5%0.5%Unlimited18.9%
Representative Example: The annual purchase rate is 19% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Smile
Classic Visa (non Current Account holders)
0.25%0.25%0.25%Unlimited20.9%
Representative Example: The annual purchase rate is 20.9% p.a.(variable) so if you spend £1,200 your representative APR will be 20.9% (variable).
Smile
Classic Visa (Current Account holders)
0.25%0.25%0.25%Unlimited16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
money.co.uk, Dot Zinc Limited, Fleet House, 8-12 New Bridge Street, London. EC4V 6AL. We are a Credit Intermediary for all consumer credit products listed on money.co.uk, with the exception of products from the following providers: Tesco Bank, Royal Bank of Scotland Group and Nationwide Building Society.
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How to Choose the Best Cashback Credit Card

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.

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 MasterCard and cashback Visa cards 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.

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