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.
| 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 | 69% |  |
Capital One World MasterCard   | £48.75b | £97.5b | No Max | 19.9% | 19.9% | No Fee | 71% | |
Santander 123 Cashback MasterCard  | £30d | £60d | No Max | 18.9% | 29.9% | £24 | 48% | |
Virgin Money Charity MasterCard  | £24 | £48 | No Max | 12.9% | 27.9% | No Fee | 60% |  |
Nationwide Select Visa  | £15 | £30 | No Max | 12.9% | 27.9% | No Fee | 66% | |
Bank of Ireland (UK) Moneyback MasterCard | £15 | £30 | £75 | 17.9% | 24.9% | No Fee | n/a | |
Leeds BS Platinum Visa  | £15 | £30 | £75 | 17.9% | 27.9% | No Fee | n/a | |
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.
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.