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Compare Our Top-Rated Cashback Credit Cards

Updated: 17th May 2021

Looking for a cashback credit card? While the UK credit card market doesn’t offer many options for getting cash back, it’s certainly the easiest of all credit card rewards. You don’t have to worry about how or when to convert points, you simply get cash that you can spend anywhere you like.

On this page, you’ll find our picks for our top-rated cashback credit cards as well as more information about cashback cards and choosing the right cashback card for you.

If you’re looking for a cashback credit card, examining the cashback yield is a great place to start. But we’ve taken many variables into account when determining our ratings.

Check Your Eligibility

Discover a list of credit cards you may be eligible for. Only takes a few minutes and will not affect your credit score.

Here are MyWalletHero's top-rated cashback credit cards

Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

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Great for: Everyday cash back with no fee
5 stars question mark
American Express Platinum Cashback Everyday Credit Card *
Apply Now!

On American Express's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

Cashback rewards are hard to come by these days, but if that’s what you’re looking for, the American Express Cashback Everyday Credit Card may be a good bet. The standard cashback yield is 0.5%, but for those that spend more than £5,000, that bumps up to 1% (from 4th August 2021, that £5k figure will change to £10k). New cardholders also get a bonus of 5% cashback over the first three months, which maxes out at £100. Its sister card offers a bigger welcome bonus and higher cashback, but the Everyday Credit Card has the advantage of no fee.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 5% cashback for first 3 months (up to £100, subject to eligibility)
  • 0.5% cashback after first 3 months (if you spend £1 to £5,000/£10k from 4 August ’21))
  • 1% cashback after first 3 months with spending above £5,000 (above £10k from 4 August)
  • Note that you must spend at least £3,000 to earn any cashback
  • No annual fee
  • No cap on cashback earned
  • Travel accident insurance (subject to enrolment) and global assist services
  • Access to special offers from American Express offers

REPRESENTATIVE EXAMPLE

Representative APR 22.2% APR variable
Annual fee Based on £0
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 5% cashback for first 3 months (up to £100, subject to eligibility)
  • 0.5% – 1% cashback after first 3 months, depending on spend
  • No annual fee
  • No cap on cashback earned
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.2%
  • INTRO OFFER:

    5% cashback for first 3 months (up to £100)

KEY SCORES:

  • 4/5 Perks
  • 5/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • 5% cashback for first 3 months (up to £100, subject to eligibility)
  • 0.5% cashback after first 3 months (if you spend £1 to £5,000/£10k from 4 August ’21))
  • 1% cashback after first 3 months with spending above £5,000 (above £10k from 4 August)
  • Note that you must spend at least £3,000 to earn any cashback
  • No annual fee
  • No cap on cashback earned
  • Travel accident insurance (subject to enrolment) and global assist services
  • Access to special offers from American Express offers

REPRESENTATIVE EXAMPLE

Representative APR 22.2% APR variable
Annual fee Based on £0
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: 0% offers, cashback and travel benefits in one card
4.5 stars question mark
Santander All In One Credit Card *
Read full review     Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

A highly multi-functional card that should serve a wide variety of users. The All in One card offers 26-month 0% periods on balance transfers and 20 months 0% on purchases. During the promotional period, there’s no balance transfer fee – a very nice benefit.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 26 months from account opening on balance transfers
  • No balance transfer fee
  • 0% interest for 20 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No foreign transaction fee (if you pay in local currency)
  • Special cashback offers of up to 15% with Retailer Offers (you must sign up for this)
  • ** The fee for this card is £3 per month, charged monthly (£36 in total annually)
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

REPRESENTATIVE EXAMPLE

17.9% p.a. (variable) on card purchases. This is equivalent to 23.7% APR representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3.

 

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 0% interest for 26 months from account opening on balance transfers
  • 0% interest for 20 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No balance transfer fee
  • ANNUAL FEE:

    £36**
  • REPRESENTATIVE APR:

    23.7%
  • INTRO OFFER:

    0% interest for 26 months from account opening on balance transfers

    0% interest for 20 months from account opening on purchases

KEY SCORES:

  • 5/5 Perks
  • 5/5Fees
  • 2/5APR

HIGHLIGHTS

  • 0% interest for 26 months from account opening on balance transfers
  • No balance transfer fee
  • 0% interest for 20 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No foreign transaction fee (if you pay in local currency)
  • Special cashback offers of up to 15% with Retailer Offers (you must sign up for this)
  • ** The fee for this card is £3 per month, charged monthly (£36 in total annually)
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

REPRESENTATIVE EXAMPLE

17.9% p.a. (variable) on card purchases. This is equivalent to 23.7% APR representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3.

 

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Everyday cash back with an extra boost for big spenders
4 stars question mark
American Express Platinum Cashback Credit Card *
Apply Now!

On American Express's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

If your goal is maximizing your cashback rewards, the American Express Platinum Cashback Credit Card could be your best bet. The downside is that the card carries an annual fee of £25. However, you get 5% cashback over the first three months (up to £125) and 1% cash back after that (0.75% after 4 August 2021). And if you spend more than £10,001, you unlock an even higher 1.25% cashback rate.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 5% cashback for first 3 months (up to £125, subject to eligibility)
  • 1% cashback after first 3 months with spend of £1 to £10,000 (0.75% from 4 August 2021)
  • 1.25% cashback after first 3 months with spend above £10,001
  • Travel accident insurance (subject to enrolment) and global assist services
  • Access to American Express offers for retail and travel partners

REPRESENTATIVE EXAMPLE

Representative APR 27.3% APR variable
Annual fee Based on £25
Credit limit Assumed credit limit of £1,200
Purchase rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 5% cashback for first 3 months (up to £125, subject to eligibility)
  • 1%-1.25% cashback after first 3 months, depending on spend (0.75%-1.25% from 4 August ’21)
  • No cap on cashback earned
  • ANNUAL FEE:

    £25
  • REPRESENTATIVE APR:

    27.3%
  • INTRO OFFER:

    5% cashback for first 3 months (up to £125)

KEY SCORES:

  • 4.5/5 Perks
  • 4/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • 5% cashback for first 3 months (up to £125, subject to eligibility)
  • 1% cashback after first 3 months with spend of £1 to £10,000 (0.75% from 4 August 2021)
  • 1.25% cashback after first 3 months with spend above £10,001
  • Travel accident insurance (subject to enrolment) and global assist services
  • Access to American Express offers for retail and travel partners

REPRESENTATIVE EXAMPLE

Representative APR 27.3% APR variable
Annual fee Based on £25
Credit limit Assumed credit limit of £1,200
Purchase rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Everyday cashback
3.5 stars question mark

There just aren’t many cashback offers these days. This makes the Barclaycard Rewards card worth checking out because it provides simple, uncomplicated cashback. The 0.25% cashback rate isn’t top of the market, but if you’re looking for an easy credit card with no annual fee that pays some level of cashback on your spend, then this is worth a look.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0.25% cashback on all spending
  • No annual fee
  • No non-sterling transaction fees
  • Savings on live events through Barclaycard Entertainment

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0.25% cashback on all spending
  • No annual fee
  • No non-sterling transaction fees 
  • Savings on live events through Barclaycard Entertainment
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.9%
  • INTRO OFFER:

KEY SCORES:

  • 3/5 Perks
  • 5/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0.25% cashback on all spending
  • No annual fee
  • No non-sterling transaction fees
  • Savings on live events through Barclaycard Entertainment

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on borrowing £1,200

Frequently Asked Questions

Which store brands offer cashback credit cards?

While there may be store brand cards that refer to 'cashback', with those you're usually limited to spending that at the brand's own stores. We consider true 'cashback' to be cash that you can spend anywhere you like. As such, there are no store brands that offer cashback cards.

How does cashback work on credit cards?

With the top-rated cashback credit cards, it's very simple: you spend on your card, and you receive a certain rate of cashback on that spend. You can then spend that cash anywhere you like.

Can a cashback card build credit?

Any credit card used wisely has the potential to help you build your credit. For those with low credit scores, it can be harder to qualify for cards that offer rewards like cashback. However, there are some cards that accept applicants with lower credit scores and offer cashback. We view these as great options -- building your credit and getting cash back is a great combo. Just be sure to use your card prudently.

Learn more

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