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Compare Cashback Credit Cards |
| Product Name | Representative APR (variable) | Balance Transfers Intro |
Purchases Intro |
Rewards | ||
|---|---|---|---|---|---|---|
- 5% Cashback for the first 3 months (max £200) up to 2% thereafter
- Aspire® Elite concierge service (A helping hand 24/7)
- £120 Annual Fee (Perfect credit rating required)
Representative Example: 19.9% APR representative (variable). Based on a credit limit of £12,000 and a rate of interest of 17.57% per annum (variable). This includes a £120 annual fee
- Get 0.5% cashback on all your purchases (No Cashback Limits)
- 60 second application response - credit limit up to £1,500
- Conditional £10 annual bonus for paying on time each month
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)
- Earn AA Reward points on all purchases - Double points on fuel and motoring
- Redeem points for cash back, shopping vouchers and more
- Excellent credit rating required
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.
- 5% cashback in first 3 months of Cardmembership up to £2,000 (£100 cashback
- An ongoing 1.25% cashback on virtually every full pound spent
- Double cashback (2.5%) for one month every year if more than £10,000 spent in previous 12 months of Cardmembership
- £25 Annual Fee
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
- 5% cashback for the first 3 mths (max £100) up to 1.25% thereafter
- Designed for people who regularly pay business expenses
- Excellent credit rating required
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)
- 10,000 Nectar bonus points when you first spend £1,000 in your first 3 months of Cardmembership
- Earn 2 Nectar points for almost every £1 you spend.
- £25 Annual Fee
Representative Example: 25.0% APR variable. Based on assumed credit limit of £1200. Interest rate for purchases: 19.9% p.a. variable.
* 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.
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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