Compare Cash Back Credit Cards
Earn £25 Cash Back on a Credit Card
Cash back Credit Cards allow you to earn money by making purchases. The more the card is used for purchases, the more cash rewards are applied to the card. Find a Cash back credit card deal that suits your needs from leading UK banks and financial providers and apply online.
£25 Cash Back
Get an amazing £25 Cash Back when you successfully apply for one of our featured credit cards.
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- Expert Choices
- 0% Balance Transfer
- 0% Purchases
- Low BT Fee
- Credit Building
- Low Rate
|Credit Card||Rate||Duration||Fee||Rate||Duration||Representative APR||Apply|
Enjoy a generous 5% cashback on virtually everything you buy for 3 months, on up to £2,500 in purchases. After the introductory period you’ll receive 1.25% cashback on virtually everything you buy – not just for a limited period. 2.5% cashback in the first month of every year if you spend more than £10,000 in your previous 12 months.
|Representative Example: If you borrow £1200 at a purchase rate of 14.0% p.a.(variable), with an £25 annual fee, you will pay 18.7% APR Representative (variable).|
American Express | Platinum Cashback Credit Card
5% cashback during your first three months on up to £2,000 in purchases. After the first three months you’ll earn up to 1.25% cashback, depending on how much you spend on the Card: Spend £0 to £3,500 and receive 0.5% cashback on that spend. Spend between £3,500 and £7,500, receive 1% cashback on that spend. Spend over £7,501 and receive 1.25% cashback on that spend. As long as you spend a minimum of £3,000 in a year, almost every full pound you spend on your Card qualifies for cashback.
|Representative Example: If you borrow £1200 at a purchase rate of 19.9% p.a.(variable), you will pay 19.9% APR Representative (variable).|
American Express | Platinum Cashback Everyday Card
Capital One Aspire® Elite. Our most prestigious credit card offers cashback on any purchase with VIP benefits. 5% cashback for the first three months (max £200). Up to 2% cashback thereafter. Concierge service. Extended warranty. Best price protection. Annual fee applies.
|Representative Example: If you borrow £12000 at a purchase rate of 17.57% p.a.(variable), with an £120 annual fee, you will pay 19.9% APR Representative (variable).|
Capital One | Aspire Elite Card
Get cashback on your everyday spending: 1% cashback at all major supermarkets, 2% cashback at all major departments stores, 3% cashback at all petrol stations and on National Rail and Transport for London travel (on combined spend of up to £300 a month). 1% bonus cashback at Amazon.co.uk until 31/01/2014. Amazon.co.uk is not a sponsor of this promotion. 22.8% APR Representative (Variable). Annual fee and terms apply. If you already have, or if you open a new Santander 123 Current Account, Santander will refund the first year's £24 annual fee on your 123 Credit Card. Offer valid until 31/12/2014.
|Representative Example: If you borrow £1200 at a purchase rate of 18.9% p.a.(variable), with an £24 annual fee, you will pay 22.8% APR Representative (variable).|
Santander | 123 Credit Card
Barclaycard Cashback Business Credit Card. Reward those unavoidable costs you already face every day in your business. Things like office supplies & stationery, legal and accounting services, computer equipment and support. Plus get 0% interest on purchases for 3 months from account opening. 3% cashback on office supplies & stationery, legal & accounting services, computer equipment and support. 1% cashback on fuel at petrol stations – perfect for offsetting spiralling transport costs. 0.5% cashback on any other spend. Get up to £400 a year in cashback.
|Representative Example: If you borrow £1500 at a purchase rate of 19.9% p.a.(variable), with an £32 annual fee, you will pay 25.1% APR Representative (variable).|
Barclaycard | Cashback Business Credit Card
Great for people who want to build or rebuild their credit rating. Offers 0.5% Cashback on all purchases. Earn a £10 annual reward for paying on time each month. Credit limit from £200 to £1,500.
|Representative Example: If you borrow £1200 at a purchase rate of 34.94% p.a.(variable), you will pay 34.9% APR Representative (variable).|
Capital One | Classic Extra Card
MoneyExpert Ltd is a Credit Intermediary and receives commission payments for all credit cards referrals made on our website. This does not apply to Tesco Bank, NatWest and Royal Bank of Scotland. The rates displayed in this table are updated on a daily basis.
Credit Cards by Provider
Cash back credit cards
There are many different reasons why people choose particular credit cards. Some may offer low standard rates or 0% introductory rates on balance transfers or purchases. Others offer points-based rewards schemes that can be used to obtain Air Miles or rewards from participating retailers. Cash back cards are similar to other rewards cards in that they offer a cash reward based on the amount the customer spends on their card in a given period of time.
What are cash back credit cards?
Cash back credit cards can be used in exactly the same way as regular credit cards. They follow the same rules and can be used for all the same things – for accessing credit and making purchases in person, online, over the phone or via mail order. Whenever you use a cashback card for purchases however, you also earn some cash back. This is usually a percentage of the total amount you spend during a given period of time.
What are the benefits?
Spending money on credit cards can have a number of different benefits. Many people find that carrying a card is more convenient than carrying cash or writing cheques. Unlike debit cards, which draw on money you already have in your bank account, credit cards draw from a pre-agreed line of credit. In effect you are borrowing money from your credit card provider whenever you make a transaction using your card. This means you can make a transaction even if you do not currently have funds in your bank. Many people find this useful but credit cards should always be used responsibly or you may find you run up credit card debts that you cannot easily pay back.
Another benefit of using credit cards in general is that purchases of between £100 and £30,000 are protected by legislation set down in Section 75 of the 1974 Consumer Credit Act. If goods are faulty, do not match the description provided or do not turn up – if, for example, the supplier goes bust – you can usually claim your money back from your credit card provider. Purchases of under £100 or over £30,000 may also be protected by the Chargeback scheme. This is not enshrined in law like the Consumer Credit Act but is a voluntary scheme that most banks and credit card providers subscribe to. There is also fraud protection in place that means you will not usually be liable if your credit card is used to make fraudulent transactions.
Most credit cards have an interest-free period. If you pay back the entire balance owed by the agreed due date each month, you will not usually have to pay any interest or fees for using your credit card. Essentially you are borrowing money on an interest-free basis. Using a cash back credit card in this way means you will not usually have to pay any interest of fees and will also earn a certain amount of cash back simply for making the same payments or purchases you usually would.
How does cash back work?
Most cash back cards have a standard cash back rate expressed as a percentage of the total you spend. If, for example, you had a card with a cash back rate of 1.5% and you made a purchase costing £100, you would earn £1.50 cash back. If you spent £400 during the qualifying period, you would earn £6 cash back. The cash back earned is usually calculated on a monthly basis and paid annually, although this can vary between different providers and individual cards. Cash back earned may be credited to your credit card account, paid in the form of a cheque or paid directly into your bank.
Cash back is usually only applied to purchases you make with your credit card. If you use your card to obtain a cash advance (where you draw cash from an ATM), this will not usually count towards cash back. The same applies to balance transfers, where you transfer the money you owe on one credit card onto another.
Some cashback cards may have introductory offers of higher than usual rates for a set period of time. If, for example, they had an introductory offer of 5% cash back for the first three months and a standard cashback rate of 1.5%, you would earn 5% cash back on any purchase you made within three months of opening the account. After that you would earn 1.5% on any further purchases made.
Some cards may also offer different rates of cash back for different kinds of purchases. Some of the major supermarket chains who also provide credit cards, for example, offer preferential rates for shopping in their stores. Some cards may also offer a higher rate for the highest five purchases within the qualifying period and a lower rate for all subsequent purchases made with the card.
Are there any drawbacks?
Some cash back credit cards may have an annual fee, particularly if they have a high cash back rate. In some cases the fee may cancel out much of the cash back you earn, or even cost more if you do not spend heavily on the card.
Cash back cards may also have higher standard rates than comparable cards that do not offer cash back. If you pay your balance in full every month as previously discussed, this should not be too much of a problem. If you have an outstanding balance however, you will be charged interest on whatever remains. If your card's interest rate is particularly high this could again outweigh the benefits of cash back.
Cash back credit cards may also have a cap on the maximum amount of cash back you can earn within the year or other qualifying period. If a card has a cap of £150, for example, you cannot earn more than this amount in cash back no matter how much you spend on your card.
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