Compare Cashback Credit Cards

Compare Cash Back Credit Cards

Product Name Representative APR (variable) Balance Transfers Intro Purchases
Intro
Rewards
 
  • Amex Platinum Cashback

  • 18.7%
    APR

  • n/a

  • n/a

  • Cashback

Representative Example: 18.7% APR representative (variable). Based on a credit limit of £1,200 and a rate of interest of 14.0% per annum (variable). This includes a £25 annual fee

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  • Capital One Aspire Elite

  • 19.9%
    APR

  • n/a

  • n/a

  • Cashback & Concierge Service

Representative Example: 19.9% APR representative (variable). Based on a credit limit of £12,000, an annual fee of £120 and a purchase rate of 17.57% per annum (variable).

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  • Capital One Aspire Business

  • 16.9%
    APR

  • n/a

  • n/a

  • Cashback

Representative Example: 16.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 16.94% p.a. (variable)

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  • Nectar Amex

  • 25.0%
    APR

  • n/a

  • n/a

  • Nectar Points

Representative Example: 25.0% APR variable. Based on assumed credit limit of £1200. Interest rate for purchases: 19.9% p.a. variable.

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uk.creditcards.com offer credit card comparison tables which are free to the user, but we do receive commissions from the issuers we refer users to. This table comprises credit cards offering customers cash back on their card purchases sorted by cash back amount. Other tables (found via the left hand navigation) feature products with other features & benefits. Please note - table position does not imply suitability, strength or superiority.

* While reasonable efforts are made to keep information updated, credit card terms cannot be guaranteed for accuracy. Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

* Please note that the ‘More info’ or ‘Apply here’ product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites.

         
 

What are cash back credit cards?

 

Cash back credit cards fall within the broader "rewards" category of cards, that is, they reward your loyalty with certain benefits. In the case of cash back credit cards the features and the benefits offered are relatively easy to understand - the benefit is cash back! It's this simplicity that has seen the cash back credit card concept challenge more established points based reward programs for UK consumers loyalty in recent years. Issuers have responded with an increasing number of products to satisfy demand and offer consumers variations on the common cash back theme.

Products have evolved from traditionally fee based cash back products to those now offering customers the benefit without a hefty annual fee. Some products now offer cash back at different rates for different purchase types (supermarket shopping, fuel, utilities etc). Even people with "bad credit" can now access credit cards that offer cash back (albeit at a lower rate than prime cards might offer). The actual platforms that the cards are available on has also evolved making them easier to use. There was a time, in the not too distant past, that almost all cash back products were offered on the American Express platform (making it hard for people living in smaller towns to benefit since retailers were less likely to accept American Express). Thankfully this has now changed and individuals can get American Express, Mastercard or Visa products all with very competitive levels of cash back.
 

Why Aren't Cash Back Cards Right for Everyone?

 

Although cash back cards are a simple enough concept for people to grasp they are not ideal for everyone. People who don't clear their balance every month will discover that the cash back they accrue is worth considerably less than the cost of the interest they are incurring.

It's also true that, although they are easy to understand, cash back cards do not always offer the "richest" rewards to customers (ie. the cash value of cash is lower than the cash value of reward that other credit card might offer). For instance; some air mile credit cards, for instance, are known for offering generous rewards to customers which can be used to book flights with a high cash value. So before you apply for a credit card, be sure you're getting exactly what you want. If in doubt, check other reward credit cards types and the best airmiles credit cards here before completing your application.



 

 
       

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