Compare Cashback Credit Cards

Compare Cashback Credit Cards

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

  • 19.9%
    APR

  • n/a

  • n/a

  • Cashback

  • 5% Cashback on the first £2,000 of Purchases for 3 months (up to £100)
  • If you spend £3,000 in a year, almost every pound spent qualifies for cashback
  • No Annual Fee

Representative Example: 19.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable).

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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 Classic Extra

  • 34.9%
    APR

  • n/a

  • n/a

  • Cashback

Representative Example: 34.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable)

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  • AA

  • 16.9%
    APR

  • 0%
    12 mths
    3.00% fee

  • 0%
    10 mths

  • AA Rewards

Representative Example: 16.9% p.a. (variable) on card purchases. This is equivalent to 16.9% APR representative (variable) based on a credit limit of £1200.

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  • 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 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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* 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.

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Getting the Best Cashback Credit Card

 

Cashback Credit Cards fall within the broader "rewards" category of credit cards, that is, they reward you for your loyalty to the credit card issuer with certain benefits. In the case of cashback credit cards the features and the benefits it offers are very easy to understand - the benefit is cash! It's this simplicity, and the current economic circumstances of many UK families, that has seen the cashback credit card concept challenge more established points based reward programs, in recent years. Issuers themselves have also responded with an increasing number of products to satisfy demand and offer consumers variations on the common cash back theme. Products have evolved from a traditionally fee based cashback credit cards to offer customers cash back without an annual fee. Some products now offer cashback at different rates for different purchase types (supermarket shopping, fuel, utilities etc.). It's even now possible for people with "bad credit" to get credit cards that offer cashback (albeit at a lower rate than prime cards might offer). The actual platforms that the cards are available on has also evolved. There was a time, in the not too distant past, that almost all cash back products were offered on the American Express platform (great if you live in the city, but not so rewarding if you live in a smaller town where shops are less likely to accept American Express). Thankfully this has now changed and individuals can get American Express, Mastercard or Visa products all with competitive levels of cashback.

 

Are Cashback Cards Right for Everyone?

 

In a word, "No!". If you don't pay your balance off every month you will discover that that cashback you accrue is worth less than the cost of the interest you're incurring. Although cash back credit cards are a simple concept to grasp, it is not always the case that they offer the "richest" rewards to customers. If you have time on your hands and you're willing to go the extra mile and research other credit card types you will probably discover other reward cards where the monetary value, of the rewards they offer, is greater than the cash back you could earn for equivalent spend. Some airmile credit cards, for instance, are well known for offering very generous rewards to customers. So before you apply for a credit card, be sure you're getting exactly what you want. If you want to check other reward credit card types before making your application check the best UK rewards credit cards here and the best airmiles credit cards here.

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