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Credit cards Best cashback credit card deals

If you pay off your credit card bill in full every month, a cashback card will give you back a percentage of your spending, either as a cash refund or knocked off 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.

ProviderCashback earned on £250 monthly spend Cashback rate scenario 1 helpCashback earned on £500 monthly spend Cashback rate scenario 2 helpMax annual cashback Max annual cashback helpPurchase APR Purchase APR helpCash withdrawal APR Cash withdrawal APR helpAnnual card feeCustomer score Customer score helpFind out more
         
American Express Platinum Cashback Card American Express£65.63a£131.25aNo Max14%27.9%£2569%Apply now
Capital One World MasterCard Capital OneWhich? recommended provider£48.75b£97.5bNo Max19.9%19.9%No Fee71%Apply now
Santander 123 Cashback MasterCard
Which? warning
£30d£60dNo Max18.9%29.9%£2448%Apply now
Virgin Money Charity MasterCard £24£48No Max12.9%27.9%No Fee60%Visit site
Nationwide Select Visa £15£30No Max12.9%27.9%No Fee66%Apply now
Bank of Ireland (UK) Moneyback MasterCard
Bank of Ireland UK
£15£30£7517.9%24.9%No Feen/aVisit site
Leeds BS Platinum Visa Leeds Building Society£15£30£7517.9%27.9%No Feen/aVisit site

Table notes

  • a) Cashback includes 5% introductory cashhback rate for the first 3 months (maximum £100), afterwards you earn 1.25% cashback on all other spend
  • b) Cashback includes 5% introductory cashhback 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) 1.5% cashback on all petrol and supermarket spend, 0.5% on all other retail transactions
  • d) 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

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.

Back to customer score in money table

Which? Recommended Providers and Which? warning

Which? Recommended Providers are companies that are both rated highly by our members and have products that meet the high standards of our researchers. Which? closely monitors the products and practices of all Recommended Providers and reserves the right to exclude any company that does not treat its customers fairly. Follow the link for a full list of WRPs.

We also understand that for many people, finding products with the best rate is a priority. But where a product from a provider with a poor service score appears in our Best Rate tables, we'll highlight this with the warning logo. By naming and shaming providers which customers judge to offer poor satisfaction in these tables, we hope that companies improve their standards.