Compare cashback credit cards

Choose a cashback credit card and earn cash rewards on your spending.

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See your chances of acceptance before you apply

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4 results found, sorted by highest cashback rate. How we order our comparisons.
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American Express Platinum Cashback Credit Card
Cashback
5% for 3 months, then up to 1.25%
Annual fee
£25
Representative APR (variable)
29.8% APR
Get 5% cashback up to £125 in your first 3 months of Card membership. After the first 3 months earn up to 1.25% depending on how much you spend.
There is an annual charge of £25. Balance transfer facility is only available on request and at the discretion of Amex. Cashback earn rates will change from the 4th August.
Representative Example: The standard interest rate on purchases is 24.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.8% (variable).£25 annual fee.
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
American Express Platinum Cashback Everyday Card
Cashback
5% for 3 months, then up to 1%
Annual fee
£0
Representative APR (variable)
24.5% APR
Get 5% cashback up to £100 in your first 3 months of Card membership. After the first 3 months earn up to 1% depending on how much you spend.
Balance transfer facility is only available on request and at the discretion of Amex. Cashback earn rates will change from the 4th August.
Representative Example: The standard interest rate on purchases is 24.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.5% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Barclaycard Rewards Credit Card
Cashback
Up to 0.25%
Annual fee
£0
Representative APR (variable)
22.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Representative Example: The standard interest rate on purchases is 22.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 22.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Last updated: 21 January, 2020

What is a cash back credit card?

Cash back credit cards give you back a percentage of what you spend on your credit card. This amount is usually deducted from your bill once a year.

For example, if your card gave you 3% cashback, you would get back £90 if you spent £3,000 on the card. Some cards let you convert your cashback into vouchers instead, and some will boost their value if you do this.

Find out more about how to use cashback credit card

How to choose the best cashback credit card that's right for you

When looking for the best cashback card, you want to find one that will pay you the most money back on what you will spend on it.

Our comparison table above shows cashback credit cards available on our site.

You can select how much you are likely to spend on the card each month or on a one off purchase. We will then show you how much cashback you could earn on each card.

Look for bonus cashback

Some cards offer a higher cashback rate for the first few months, which could boost the amount you earn if you plan to make a large purchase soon after you get the card.

Is there an annual fee for cashback credit cards?

Some cards come with an annual fee but many do not charge one. However, some of the cards with the highest cashback rates charge an annual fee.

Our table shows the annual fee charged by each card. Deduct the fee amount from the amount of cashback a card would give you. Never choose a card with a fee that is higher than the cashback you would earn.

Should you get Visa, MasterCard or American Express?

It is best to choose the card that will pay you the most cashback rather than only looking for Visa, MasterCard or Amex.

All three process the transactions when you use your credit card, but they do not usually provide the cards (however American Express do offer their own cards too).

Here is a guide to the differences between MasterCard, American Express and Visa

Are cash back credit cards worth it?

If you pay off your full statement balance every month and spend enough, cashback cards can give you a free cash reward that you can spend on whatever you like.

However, if you are unable to pay off what you spend every month you will be charged interest, which is likely to come to much more than the cashback you have earned.

If you want to use the card to spread the cost of a large purchase over several months or pay off an existing credit card balance, you could get:

Can you get a cashback credit card with bad credit?

Cashback credit card are generally best for those who have a good credit history. So if your credit score is less than ideal, it might be a good idea to take some time to improve your credit before you apply.

However, you do have the option of a credit building credit, some of which do offer cash back. Just keep in mind that you me be offered a lower credit limit and you'll pay a higher APR than you would if you had a standard cashback credit card.

Cashback credit card FAQs

Yes, although some of these cards charge annual fees, many come without them. However, they will come with other credit card charges.

Most providers let you login to an online banking service that lets you check how much cashback you have earned, your balance and your statement.

Yes, some cards offer bonus rates in the first few months if you spend more than a specified amount (e.g. 5% cashback if you spend more than £3,000).

As well as cashback, you can also get cards that offer air miles or other rewards like shopping vouchers.

Too many credit cards can hurt your credit record, but having cards for different uses can suit some people. Work out how many is too many here.

They each provide a payment service to your credit card provider when you use your card - here is what they do, how they differ and what they offer.

You can use a credit card in person (in shops, restaurants or other businesses), online, by phone, by mail order, in other countries or in ATMs.

About our credit cards comparison

Our comparison tables include providers we have commercial arrangements with. The number of listings in our tables can vary depending on the terms of those arrangements, as well as other market developments. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.

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Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

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