Cash Back Credit Cards

  • Earn cashback as you spend!
  • We compare a wide range of credit cards so you can find the right cashback credit card for you
  • Discover which card could earn you the most cashback below.
  • There are 7 out of 84 cards matching this search.
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aqua Classic Credit Card
Apply online
  • 29.7% APR (Variable)
  • Start with a credit limit of £250-£1,200 and you could get an increase on your 4th statement
  • Free unlimited access to your credit report
  • Text reminders, so you need never miss a payment
Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.71% (variable), representative 29.7% APR (variable). Credit available subject to status.

What type of card are you looking for?

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  • Nationwide Select Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 12 months
    (0% fee)
  • New Purchases Offer
    0% Fixed
    For 12 months
  • Representative APR
    15.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Nationwide

    Benefits

      • 0.5% cashback on sterling purchases.
      • Fraud Protection Guarantee.
      • Access to Nationwide Simply Rewards.
      • Unlimited commission-free purchases abroad.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • To apply for a Select Credit Card you must be a main current account customer with Nationwide.
    • Min Income
      £5,000
    • Min Age
      18
    • Visit Website
    • 0.5% cashback on sterling purchases
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), representative 15.9% APR (variable). Credit available subject to status.

  • ASDA Cashback Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 12 months
    (3% fee)
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    19.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £100
    • Provider
      ASDA Money

    Benefits

      • ASDA Money Award Winner - Best New Credit Card of the Year at the Card and Payment Awards, 2013. Best Affinity or Co-Branded Card Programme and Highly Commended.
      • 1% cashback on ASDA shopping and ASDA fuel. 0.5% cashback everywhere else. Unlimited cashback - No cap.
      • Up to 10% promotional cashback rate on selected ASDA insurance policies. Cashback credited monthly.
      • 0% on balance transfers for 12 months (2.9% fee) within the first 90 days after opening an account.
      • Contactless payments. No annual fee. No cash advance fee on ASDA Travel Money. 0% on all purchases at George.com over £200 for 6 months.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • ASDA Stores Limited (Great Wilson Street, Leeds, LS11 5AD), trading as ASDA Money, acts as a credit broker not as a lender and is authorised and regulated by the Financial Conduct Authority. ASDA Stores Limited only offers credit cards provided by Creation Financial Services Limited, Chadwick House, Blenheim Court, Solihull B91 2AA. Applicants must be UK residents (including Isle of Man and Channel Islands).
    • Min Income
      £10,000
    • Min Age
      18
    • Visit Website
    • 1% cashback on ASDA shopping and ASDA fuel. 0.5% cashback everywhere else. Unlimited cashback - No cap.
    • Up to 10% promotional cashback rate on selected ASDA insurance policies. Cashback credited monthly.
    • 0% on all purchases at George.com over £200 for 6 months
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

  • AA FuelSave Credit Card

  • Balance Transfers Offer
    -
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    22.4% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Annual fee
      £42
    • Min Credit
      £1,000
    • Provider
      AA

    Benefits

      • 4% cashback on fuel when you spend £500 or more a month on any purchases, or 2% cashback on fuel when you spend less than £500 a month.
      • 0.5% cashback on all other purchases (Total cashback earnable per year is capped at £150).
      • 1 year's breakdown cover (for non AA Members) with an MOT included every year you hold the card.
      • Annual MOT included (for existing AA Members).
      • Manage your card on the go with the AA Credit Card mobile servicing app.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must have a good credit rating to apply.
      • AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
    • Min Income
      £8,000
    • Min Age
      18
    • Visit Website
    • 4% cashback on fuel spend when total card spend for the month is above £500 2% cashback on fuel spend when total card spend for the month is £500 or below 0.5% cashback on all other purchases Total cashback earnable per year is capped at £150
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 14.9% (variable), with a £42 annual fee, representative 22.4% APR (variable). Credit available subject to status.

  • NatWest Reward Credit Card

  • Balance Transfers Offer
    -
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    23.7% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Annual fee
      £24
    • Min Credit
      £300
    • Provider
      NatWest

    Benefits

      • Earn 1% Rewards in all supermarkets (0.5% at their petrol stations)
      • Earn at least 1% at Myrewards Retailers and 0.5% everywhere else you shop at home and abroad
      • Earn an additional 1% if you use contactless until 31st December 2016
      • Earn 1% rewards on payments up to £30 you make using Apple Pay in stores until 31st March 2017
      • Receive a £24 refund on the annual fee when you hold a Reward or Reward Black current account
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
    • Earn 1% Rewards in all supermarkets (0.5% at their petrol stations)
    • Earn at least 1% at Myrewards Retailers and 0.5% everywhere else you shop at home and abroad
    • Earn 1% rewards on payments up to £30 you make using Apple Pay in stores until 31st March 2017
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), with a £24 annual fee, representative 23.7% APR (variable). Credit available subject to status.

  • Royal Bank of Scotland Reward Credit Card

  • Balance Transfers Offer
    -
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    23.7% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Annual fee
      £24
    • Min Credit
      £300
    • Provider
      Royal Bank of Scotland

    Benefits

      • Earn 1% Rewards in all supermarkets (0.5% at their petrol stations).
      • Earn at least 1% at Myrewards Retailers and 0.5% everywhere else you shop at home and abroad.
      • Earn an additional 1% if you use contactless until 31st December 2016.
      • Earn an 1% on all Apple Pay payments up to £30 in store until 31st March 2017
      • Receive a £24 refund on the annual fee when you hold a Reward or Reward Black current account.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
    • Earn 1% Rewards in all supermarkets (0.5% at their petrol stations)
    • Earn at least 1% at Myrewards Retailers and 0.5% everywhere else you shop at home and abroad
    • Earn 1% rewards on payments up to £30 you make using Apple Pay in stores until 31st March 2017
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 12.9% (variable), with a £24 annual fee, representative 23.7% APR (variable). Credit available subject to status.

  • ASDA Cashback Plus Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 15 months
    (3% fee)
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    26.2% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Annual fee
      £36
    • Min Credit
      £100
    • Provider
      ASDA Money

    Benefits

      • 2% Cashback on all ASDA spend, including ASDA stores, Living, Grocery Home Shopping, petrol, and George.com.
      • 1% Cashback on all other purchases.
      • 10% Cashback on selected ASDA Money insurance products.
      • 0% on Balance Transfers for 15 months.
      • 0% interest for 6 months on all George.com purchases of £200 or more.
      • Contactless payments.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • ASDA Stores Limited (Great Wilson Street, Leeds, LS11 5AD), trading as ASDA Money, acts as a credit broker not as a lender and is authorised and regulated by the Financial Conduct Authority. ASDA Stores Limited only offers credit cards provided by Creation Financial Services Limited, Chadwick House, Blenheim Court, Solihull B91 2AA. Applicants must be UK residents (including Isle of Man and Channel Islands).
    • Min Income
      £10,000
    • Min Age
      18
    • Visit Website
    • 2% Cashback on all ASDA spend, including ASDA stores, Living, Grocery Home Shopping, petrol, and George.com
    • 1% Cashback on all other purchases
    • 10% Cashback on selected ASDA Money insurance products
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), with a £36 annual fee, representative 26.2% APR (variable). Credit available subject to status.

  • aqua Reward Credit Card

  • Balance Transfers Offer
    -
  • New Purchases Offer
    No Introductory Rate
    No Intro Rate
  • Representative APR
    34.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £250
    • Provider
      NewDay Ltd

    Benefits

      • You'll receive 0.5% cashback on all of your purchases.
      • Manage your account carefully by paying at least the minimum amount due on time.
      • Receive an initial credit limit between £250-£1,200 - which could go up at a later date.

    Before you Continue...

    • You must be at least 18 years old to apply.
    • Receive 0.5% cashback on all of your purchases
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.91% (variable), representative 34.9% APR (variable). Credit available subject to status.

Cashback

If you frequently make purchases using your credit card, you may benefit from using a card that rewards your activity by giving back a percentage of your expenditure. For those who feel confident clearing their balance in full each month, cashback cards can be a simple way to get something, for nothing.

With a cashback card, you might receive cash back for using your card in certain stores and restaurants. For instance, if you spend £1,000 in an approved store and your card offers 3% cashback, £30 will be paid back into your account after you've made your payment. Of course, the rate of cashback and how you receive it will depend on the card you choose.

What Level of Cashback Can I Get?

The more you spend on a cashback card, the more you earn. However, some cards will offer different rates for different types of spending. For instance, one card may give you 1.5% cashback for spending in a supermarket, but 3.2% for spending in a petrol station. It's also possible for different rates to be given according to the amount you spend. For instance, you might get 2% cashback on expenditure up to £2,500, but 3% on anything spent above this mark. Similarly, some cards only offer cash back for certain stores, and others pay high rates for limited introductory periods.

Do Cashback Cards Offer Low-Interest Rates?

Generally, the top cashback cards don't offer low-interest rates, which means they're better suited to people who can reliably pay back the full balance amount on the card each month. If you struggle to make full payments, you may find that the interest you owe equates to more than you've earned through cashback.

Which Factors Should I Consider Beyond Cashback Rates?

As with any credit card, it's worth comparing Annual Percentage Rates (APR), and interest rates when determining how much it could cost you to use a cashback card regularly. What's more, many cashback cards also charge an annual fee. This can be as low as £25 but there are other providers who will charge substantially more so it's an important point to keep in mind. However, despite the annual fee, some cash back cards can be a good deal depending on the benefits the card offers, and your spending habits.

Are Cashback Cards Suitable for Transferring a Credit Balance?

Cashback cards are not a good idea for those looking to transfer their credit balance. Better options can be found in low-interest rate cards and cards with a 0% introductory offer.

Who Will Benefit Most from a Cashback Card?

Frequent spenders can earn large portions of cashback when they take advantage of big ticket offers and spending incentives. However, the cashback rate on your card may not always make up for a high-interest rate. Borrowers who lack discipline should avoid cashback cards as they can create the temptation to run up big debts in an effort to earn greater amounts of cashback each month.

How Can I Avoid Extra Fees on My Cashback Card?

To avoid expensive interest fees on your cashback card and therefore make the card worthwhile, it's important to pay off your balance each month. Using a direct debit, you can effectively ensure that you have an interest-free way to earn rewards on regular spending.

Does My Credit Score Matter?

While your credit score might not make a difference to the cashback rate you can apply for, it will have an impact on your credit limit, the rate of interest you are offered, and your average APR. The better your credit rating is, the more appealing your cashback card deal could be.

Helpful links for credit card issues

Money Advice Service - The government's Money Advice Service website provides concise, unbiased information on choosing and using credit cards as well as handy tools such as credit card calculators.

The UK Cards Association - The British trade association for card payment companies has an extensive range of guides on their website covering all the types of payment cards available to UK consumers including debt, credit and prepaid cards.

Financial Fraud Action (FFA) UK - The Financial Fraud Action website features important advice on using payment cards safely and securely as well as information on the latest scams.

Financial Ombudsman Service - If you've already made a complaint to your card provider and have not had your issue resolved satisfactorily then the next step is to take up your complaint with the Financial Ombudsman.

About this service: Comparison tables are provided by KnowYourMoney.co.uk and is a free service to our users. The tables include providers from whom we may receive commission. For more details on how our site works click here.

The credit card data is supplied by Runpath Group Ltd, a registered company in England & Wales. Company Reg No: 07406032. Registered address: 2nd Floor, 112-116 Old Street, London EC1V 9BG.

The tables shows a range of products from the market and this service does not consider your personal credit position. Our service is non-advised, which means that no advice is given or implied.

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