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 | £65.63a | £131.25a | No Max | 14% | 27.9% | £25 | 70% |  |
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 18.7% (variable).
| 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 |
|---|---|---|---|---|---|---|---|---|
Barclaycard High 5 Cashback Visa  | £52.50b | £105c | Limitedd | 19.9% | 27.9% | £24 | 54% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 19.9% (variable) with an annual fee of £24, your Representative APR will be 24.8% (variable).
| 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 |
|---|---|---|---|---|---|---|---|---|
Santander 123 Cashback MasterCard | £30h | £60h | No Max | 18.9% | 29.9% | £24 | 67% | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 18.9% (variable) with an annual fee of £24, your Representative APR will be 22.8% (variable).
| 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 |
|---|---|---|---|---|---|---|---|---|
Sainsbury's Bank Cashback Low Rate MasterCard
| £37.50j | £135j | £135j | 7.84% | 24.93% | No Fee | 65% |  |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 7.84% (variable), your Representative APR will be 7.84% (variable).
| 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 |
|---|---|---|---|---|---|---|---|---|
Sainsbury's Bank Cashback MasterCard
| £37.50j | £135j | £135j | 17.9% | 25.95% | No Fee | 65% | |
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).
| 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 |
|---|---|---|---|---|---|---|---|---|
| Asda Money Credit Card MasterCard
| £15k | £30k | No Max | 14.9% | 27.9% | No Fee | 52%l | |
Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 14.9% (variable), your Representative APR will be 14.9% (variable).
| 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 |
|---|---|---|---|---|---|---|---|---|
| Nationwide Select Visa | £15 | £30 | No Max | 12.9% | 27.9% | No Fee | 75% | |
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).
| 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 |
|---|---|---|---|---|---|---|---|---|
Bank of Ireland (UK) Moneyback MasterCard | £15 | £30 | £75 | 17.9% | 24.9% | No Fee | n/a | |
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).
| 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 |
|---|---|---|---|---|---|---|---|---|
| Leeds BS Platinum Visa | £15 | £30 | £75 | 17.9% | 27.9% | No Fee | n/a | |
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).
Table notes
- a) Cashback includes 5% introductory cashback rate for the first 3 months (maximum £125), afterwards you earn 1.25% cashback on all other spend
- b) Based on an introductory rate of 6% on your top five monthly purchases that make up half the monthly expediture of £125 and then 2% on half the monthly expenditure of £125 and 0.5% on the remaining monthly expenditure each month. To earn the maximum cashback level of 6% and 2% you need to make a minimum of at least 15 purchases per month.
- c) Based on an introductory rate of 6% on your top five monthly purchases that make up half the monthly expediture of £250 and then 2% on half the monthly expenditure of £250 and 0.5% on the remaining monthly expenditure each month. To earn the maximum cashback level of 6% and 2% you need to make a minimum of at least 15 purchases per month.
- d) The amount of eligible purchases that qualify for cashback in any cashback year is £75,000 unless otherwise specified by Barclaycard.
- e)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 £3,500, 1% on annual spend between £3,500 and £7,500 and 1.25% on amounts above £7,501.
- f) There is a minimum £3,000 annual spend needed to be eligible to earn cashback.
- g) To qualify for the card you need to have an annual income of at least £20,000. 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
- h) 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
- i) 1.5% cashback on all petrol and supermarket spend, 0.5% on all other retail transactions
- j) Cashback amount shown is based on 5% introductory cashback rate shopping at Sainsbury's and the £5 standard monthly cashback earned if you spend £250 in Sainsbury's each month and £250 elsewhere
- k) 1% cashback on Asda shopping and Asda petrol station spend 0.5% cashback on all other shopping.
- l) The current Asda Money Credit Card (issued by Sygma Bank UK) supersedes the ASDA (rewards) credit card (issued by Santander) withdrawn in July 2012 for new customers and which is fully discontinued in January 2013 for current card holders. Customers will need to reapply if they wish to move to the new card
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. Customer scores are based at brand level.
Customer scores based on a survey of 15,207 Which? connect online community members carried out between September 2012 and February 2013.
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Which? Warning Poor Satisfaction
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 customer score appears in our Best Rate tables, we'll highlight this with the warning logo. Our customer satisfaction surveys measure overall satisfaction with the provider in relation to credit cards, not individual credit cards offered by the brand. The customer score should therefore not be associated specifically with any individual credit cards. Only customer scores that are significantly below average and fall into our bottom statistical tier receive our warning. Our customer scores are updated every six months.
By naming and shaming providers which customers judge to offer poor satisfaction in these tables, we hope that companies improve their standards.
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