Credit cards Best cashback credit card deals
If you pay off your credit card bill in full every month, a cashback card will either give you back a percentage of your spending either as a cash refund or knock off a sum from your credit card bill.
If you do a lot of your shopping in one store, check out our Reward credit card reviews to see if you could beat the deal offered by a cashback card.
| Provider | Cashback earned on £250 monthly spend Cashback rate scenario 1 help | Cashback earned on £500 monthly spend Cashback rate scenario 2 help | Max annual cashback Max annual cashback help | Purchase APR Purchase APR help | Cash withdrawal APR Cash withdrawal APR help | Annual card fee | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|---|---|
American Express Platinum Cashback Card Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 14% (variable) with an annual fee of £25, your Representative APR will be 18.5% (variable). | £65.63a | £131.25a | No Max | 14% | 27.9% | £25 | 70% |  |
Capital One Aspire World MasterCard   Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 19.9% (variable), your Representative APR will be 19.9% (variable). | £48.75b | £97.5b | No Max | 19.9% | 19.9% | No Fee | 71% | |
Santander 123 Cashback MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 18% (variable) with an annual fee of £24, your Representative APR will be 22.8% (variable). | £30c | £60c | No Max | 18.9% | 29.9% | £24 | 52% | |
Virgin Money Charity MasterCard  Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 12.9% (variable), your Representative APR will be 12.9% (variable). | £24 | £48 | No Max | 12.9% | 27.9% | No Fee | 62% |  |
Creation MasterCard
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 18.9% (variable), your Representative APR will be 18.9% (variable). | £15d | £30d | No Max | 18.9% | 23.9% | No Fee | n/a | |
Nationwide Select Visa Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 12.9% (variable), your Representative APR will be 12.9% (variable). | £15 | £30 | No Max | 12.9% | 27.9% | No Fee | 70% | |
Bank of Ireland (UK) Moneyback MasterCard Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 17.9% (variable), your Representative APR will be 17.9% (variable). | £15 | £30 | £75 | 17.9% | 24.9% | No Fee | 53% | |
Leeds BS Platinum Visa Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 17.9% (variable), your Representative APR will be 17.9% (variable). | £15 | £30 | £75 | 17.9% | 27.9% | No Fee | n/a | |
Table notes
- a) Cashback includes 5% introductory cashback rate for the first 3 months (maximum £100), afterwards you earn 1.25% cashback on all other spend
- b) Cashback includes 5% introductory cashback rate for the first 3 months (maximum £100), afterwards you then earn 0.5% cashback on annual spend up to £5999.99, 1% on annual spend between £6,000 and £9999.99 and 1.25% on amounts above £10,000
- c) Cashback based on 1% cashback at selected supermarkets. You can earn 2% cashback at selected department stores and 3% cashback on selected major petrol stations
- d) 1.5% cashback on all petrol and supermarket spend, 0.5% on all other retail transactions
Help
Cashback rate scenario 1
Cashback you would earn in your first year based on £250 monthly spend
Back to Cashback rate scenario 1 in money table
Cashback rate scenario 2
Cashback you would earn in your first year based on £500 monthly spend
Back to Cashback rate scenario 2 in money table
Max annual cashback
The maximum you can earn in cashback over a year
Back to Max annual cashback in money table
Purchase APR
The interest rate you'll pay on new purchases
Back to Purchase APR in money table
Cash withdrawal APR
The interest rate you'll pay if you withdraw cash from an ATM
Back to Cash withdrawal APR in money table
Customer score
Which? member score based on customer satisfaction and likelihood of recommending company to friend/family member.
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Which? Recommended Providers and Which? warning
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