Compare Cashback & Reward Credit Cards

Compare the offers on the best cash back credit cards & rewards credit cards available in the UK and get cashback or a reward every time you spend on your card. We help you to find the best cash back and reward credit card deals offered by leading card providers. Apply online today & start earning as soon as possible.
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Search 258 credit cards.
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Air MilesReward PointsShopping RewardsCashbackRepresentative APR  
Maximum RateStandard Rate(Variable) 
Promoted Results
American Express
 
Platinum Cashback Credit Card
5%1.25%18.5%
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 in your first three months, max £100. £25 annual fee. Additional anniversary cashback each year.
Capital One
Aspire World
5%0.5%19.9%
Representative Example: The annual purchase rate is 20% p.a.(variable) so if you spend £1,200 your representative APR will be 19.94% (variable).
Earn 5% Cashback on purchases for your first 3 months, max £100. Capital One, Trent House, Station Street, Nottingham, NG2 3HX.
Santander
123 Credit Card
3%2%22.8%
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.
Make your 123 card the smart way to pay, if you're with us, you're rewarded. Earn up to 3% cash back on petrol.
Virgin
Balance Transfer Credit Card
n/a
n/a
16.8%
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 16.8% (variable).
Virgin
All Round Credit Card
n/a
n/a
15.8%
Representative Example: The annual purchase rate is 15.8% p.a.(variable) so if you spend £1,200 your representative APR will be 15.8% (variable).
Virgin
Purchase Credit Card
n/a
n/a
18.9%
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Barclaycard
Platinum Purchase
n/a
n/a
18.9%
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).
Play.com
Credit Card
n/a
n/a
16.9%
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).
1500 bonus PlayPoints awarded when you spend £150 on card purchases within 90 days of account opening.
Nationwide
Credit Card (Balance Transfer)
n/a
n/a
15.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
Sainsbury's Bank
 
Sainsbury's Nectar Credit Card
n/a
n/a
16.9%
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).
You must have a Nectar Card in order to apply for the Credit Card
Sainsbury's Bank
 
Sainsbury's Gold Credit Card
n/a
n/a
20.1%
Representative Example: The annual purchase rate is 9.9% p.a.(variable) so if you spend £1,200 your representative APR will be 20.1% (variable)+£60 fee p.a
British Airways
BA American Express Credit Card
n/a
n/a
19.9%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
1,000 bonus Avios points when you spend £500 in your first 3 months of Cardmembership.
Virgin
Atlantic White Card Account (Visa)
n/a
n/a
17.9%
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).
You'll earn 1 Flying Club mile for every £1 you spend on the American Express® Credit Card, and 1 Flying Club mile for every £2 you spend on the Visa Credit Card. Plus, you'll also get discounts with Virgin Holidays.
British Airways
BA American Express Premium Plus Credit Card
n/a
n/a
50.1%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 50.1% (variable)+£150 fee p.a
30,000 bonus Avios points (when you spend £3,000 in your first 3 months of Cardmembership).Collect 1.5 Avios for virtually every £1 you spend and 3 Avios for every £1 you spend on BA flights and holidays.
Virgin
Atlantic Black Card Account (Visa)
n/a
n/a
47.2%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 47.2% (variable)+£140 fee p.a
You'll earn 2 Flying Club miles for every £1 you spend on the American Express® Credit Card, and 1 Flying Club mile for every £1 you spend on the Visa Credit Card. Plus, you'll also get discounts with Virgin Holidays.
AA
Rewards Credit Card
1%0.25%16.9%
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).
Earn Reward Points every time you spend, earn double on fuel. Redeem on a range of products including shopping vouchers and cash back.
AA
Balance Transfer Credit Card
n/a
n/a
17.9%
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).
Long 0% period on balance transfers with competitive 2.9% fee, plus earn while you spend with a generous rewards scheme. Good credit customers.
Capital One
Aspire Elite
5%1%17.9%
Representative Example: The annual purchase rate is 17.7% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable)+£120 fee p.a
Full Results
American Express
 
Platinum Cashback Credit Card
5%1.25%18.5%
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 in your first three months, max £100. £25 annual fee. Additional anniversary cashback each year.
Capital One
Aspire World
5%0.5%19.9%
Representative Example: The annual purchase rate is 20% p.a.(variable) so if you spend £1,200 your representative APR will be 19.94% (variable).
Earn 5% Cashback on purchases for your first 3 months, max £100. Capital One, Trent House, Station Street, Nottingham, NG2 3HX.
Capital One
Aspire Elite
5%1%17.9%
Representative Example: The annual purchase rate is 17.7% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable)+£120 fee p.a
Capital One
Business Card
5%0.5%16.9%
Up to 5% cashback - great rewards for small business.
Santander
123 Credit Card
3%2%22.8%
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.
Make your 123 card the smart way to pay, if you're with us, you're rewarded. Earn up to 3% cash back on petrol.
American Express
 
Costco TrueEarnings Credit Card
3%1%19.9%
Representative Example: The annual purchase rate is 16.2% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable)+£20 fee p.a
Halifax
Rewards Clarity Credit Card
1.67%1.67%12.9%
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).
Halifax
Clarity Credit Card
1.67%1.67%12.9%
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).
AA
Rewards Credit Card
1%0.25%16.9%
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).
Earn Reward Points every time you spend, earn double on fuel. Redeem on a range of products including shopping vouchers and cash back.
The Co-operative Bank
 
Members' Cashback Credit Card Ex/C
1%0.5%15.9%
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%12.9%
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%12.9%
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%12.9%
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%17.9%
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%17.9%
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%18.9%
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%17.9%
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%18.9%
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).
Capital One
Classic Extra
0.5%0.5%34.9%
Representative Example: The annual purchase rate is 34.9% p.a.(variable) so if you spend £1,200 your representative APR will be 34.9% (variable).
Smile
Classic Visa (non Current Account holders)
0.25%0.25%20.9%
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).
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How to Find the Best Cash Back Credit Cards & Reward Credit Cards

Earning a little something back in rewards or cold hard cash whenever you use your credit card can be a good way to make your money go that little bit further. Here’s how to choose the best rewards or cash back credit card.

Credit card providers are so keen for customers to use their cards that there is now a wide selection of incentivised credit cards offering a host of rewards and cashback credit card schemes to tempt you into applying for a card.

If you are confident you'll be able to repay your credit card spending in full each month, then it makes sense to get one the top cash back credit cards or the best credit card rewards so you get something back by giving the card companies your custom.

To find the best cash back credit cards UK banks have to offer, you need to compare the standard cash back rates on offer (those that apply on an ongoing basis) and check whether there are any introductory cash back rates that pay you an enhanced amount for spending in the first months you own the card.

Think about how you'll use the card. If you plan to use your card for day to day purchases then finding the cash back credit card with the best standard cash back rate is likely to be a good idea. However, if you're planning a big purchase, like an expensive holiday, or want to make a number of high value purchases in a short space of time (if you're planning a wedding, or shopping for Christmas presents for example), then a credit card that offers a bonus introductory cash back rate could work out more profitable in the long run.

To get the best reward credit card you should compare the different rewards packages on offer and work out exactly how much you need to spend to earn the rewards you want. In addition, you should look at any introductory bonuses on offer when you apply as these can sometimes make it worth getting a card on their own.

However, if you are looking to make a purchase and spread repayments on your borrowing over several months, a rewards or cashback credit card may not be the best option. Instead you would need to look for an interest free credit card for the duration you need to borrow.

Some credit cards with rewards will also offer 0% deals on purchases or 0% balance transfers for a set period, but there is no guarantee that they will be the best on the market so you should carry out a thorough comparison before you apply.

If you end up having to pay interest on your borrowing this is likely to outweigh the rewards or cash back you’ll have earned in the intervening period so even if you get the best cash back credit card or the best reward credit card on the market you'll still lose out.

You can compare credit card rewards side by side using our rewards and cash back credit card comparison table.

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