Credit cards Best cashback credit card deals

We show the best cashback credit cards on the market. These cards let you earn a percentage of your spend offering up to 5% cashback, which is typically paid bank onto the card as credit.

If you shop in one store frequently, check out our Reward credit card reviews to see if you could beat the deal offered by a cashback card. We also rate credit card providers for customer satisfaction, see our Which? Recommended Providers to find out who is rated best.

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%£2559%Apply now

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).

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 Everyday Card American Express£42.50b£102.50bNo Maxc19.9%27.9%No fee59%Apply now

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).

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
Santander 123 Credit Card MasterCard
£30d£60dNo Maxe12.7%29.9%£2457%Apply now

Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 12.7% (variable) with an annual fee of £24, your Representative APR will be 16.5% (variable).

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
Asda Money Credit Card MasterCard

ASDA

£15f£30fNo Max14.9%27.9%No Fee66%Visit site

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).

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
Nationwide Select Visa

 

£15£30No Max15.9%27.9%No Fee65%Apply now

Representative example: Based on a credit limit of £1,200 with a purchase interest rate of 15.9% (variable), your Representative APR will be 15.9% (variable).

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
Bank of Ireland (UK) Moneyback MasterCard
Bank of Ireland UK
£15£30£7517.9%24.9%No Feen/aVisit site

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).

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
Leeds BS Platinum Visa

 Leeds Building Society

£15£30£7517.9%27.9%No Feen/aVisit site

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. Earn 2.5% cashback in anniversary month if you spend in excess £10,001 a year
  • 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 £3,500, 1% on annual spend between £3,500 and £7,500 and 1.25% on amounts above £7,501
  • c) There is a minimum £3,000 annual spend needed to be eligible to earn cashback
  • 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, National Rail and London for Transport. See providers website for further details
  • e) £9 Cap on cashback earned on petrol, National Rail and Transport for London
  • f) 1% cashback on Asda shopping and Asda petrol station spend 0.5% cashback on all other shopping

Help

Cashback rate scenario 1

Cashback you would earn in your first year based on £250 monthly spend 

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Cashback rate scenario 2

Cashback you would earn in your first year based on £500 monthly spend 

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Max annual cashback

The maximum you can earn in cashback over a year

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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

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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.

Back to customer score in money table

Customer scores based on a survey of 2,440 respondents from the general public telling us about their savings account provider - during August 2013. 

Wherever we display an “APPLY NOW” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Rates tables are compiled by our independent researchers. All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.

Which? Recommended Providers

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.

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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