Cashback Credit Cards
Cashback credit cards provide a percentage of your spending as cash rewards. The Mintalists have ranked the top three cashback credit card deals available in the UK as of July 2025. Each card has been evaluated based on its APR, unique features, and potential to maximize cashback earnings, helping you find the best option for your needs.
Best Cashback Credit Cards
Representative APR
36% APR (variable)
Purchases
30.4% (variable) p.a.
Balance Transfers
30.4% (variable) p.a. (3% fee)
Account Fees
£25
Representative Example: At an assumed credit limit of £1,200 with a purchase rate of 30.4% (variable) p.a., and a fee of £25 p.a., most accepted customers get a rate of 36% APR (variable).
Representative APR
30.4% APR (variable)
Purchases
30.4% (variable) p.a.
Balance Transfers
30.4% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 30.4% (variable) p.a., most accepted customers get a rate of 30.4% APR (variable).
Representative APR
29.0% APR (variable)
Purchases
29.0% (variable) p.a.
Balance Transfers
Not Available
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29% (variable) p.a., most accepted customers get a rate of 29.0% APR (variable).
Representative APR
29.8% APR (variable)
Purchases
23.9% (variable) p.a.
Balance Transfers
23.9% (variable) p.a. (3% fee)
Account Fees
£3 per month
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 23.90% (variable) p.a., most accepted customers get a rate of 29.8% APR (variable).
Compare all Cashback Credit Cards in the UK
A cashback credit card provides a straightforward way to earn rewards on everyday spending. You receive a percentage of your spending back as cash, making it easy to see your rewards grow. The redemption process is usually easy: cashback is credited directly to your account, effectively reducing your balance. Unlike point-based rewards, cashback is hassle-free, with rewards typically added monthly, yearly, or once you reach specific spending milestones – no points to track or manage.
We’ve compiled a comprehensive list of all cashback credit cards available in the UK. This data is sourced directly from financial institutions and is updated daily.
Representative APR
18.9% APR (variable)
Purchases
17.44% (variable) p.a.
Balance Transfers
17.44% (variable) p.a. (1.50% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 17.44% (variable) p.a., most accepted customers get a rate of 18.9% APR (variable).
Representative APR
36% APR (variable)
Purchases
30.4% (variable) p.a.
Balance Transfers
30.4% (variable) p.a. (3% fee)
Account Fees
£25
Representative Example: At an assumed credit limit of £1,200 with a purchase rate of 30.4% (variable) p.a., and a fee of £25 p.a., most accepted customers get a rate of 36% APR (variable).
Representative APR
30.4% APR (variable)
Purchases
30.4% (variable) p.a.
Balance Transfers
30.4% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 30.4% (variable) p.a., most accepted customers get a rate of 30.4% APR (variable).
Representative APR
30% APR (variable)
Purchases
30% (variable) p.a.
Balance Transfers
30% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 30% (variable) p.a., most accepted customers get a rate of 30% APR (variable).
Representative APR
28.9% APR (variable)
Purchases
28.90% (variable) p.a.
Balance Transfers
28.90% (variable) p.a. (fee is stipulated in the offer)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 28.90% (variable) p.a., most accepted customers get a rate of 28.9% APR (variable).
Representative APR
22.9% APR (variable)
Purchases
22.94% (variable) p.a.
Balance Transfers
22.94% (variable) p.a. (5% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 22.94% (variable) p.a., most accepted customers get a rate of 22.9% APR (variable).
Representative APR
55.0% APR (variable)
Purchases
22.94% (variable) p.a.
Balance Transfers
22.94% (variable) p.a. (5% fee)
Account Fees
£15 monthly account fee
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 22.94% (variable) p.a., and a fee of £15 per month, most accepted customers get a rate of 55.0% APR (variable).
Representative APR
22.9% APR (variable)
Purchases
22.94% (variable) p.a.
Balance Transfers
22.94% (variable) p.a. (5% fee)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 22.94% (variable) p.a., most accepted customers get a rate of 22.9% APR (variable).
Representative APR
55.0% APR (variable)
Purchases
22.94% (variable) p.a.
Balance Transfers
22.94% (variable) p.a. (5% fee)
Account Fees
£15 per month
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 22.94% (variable) p.a., with a fee of £15 per month, most accepted customers get a rate of 55.0% APR (variable).
Representative APR
13.9% APR (variable)
Purchases
13.94% (variable) p.a.
Balance Transfers
13.94% (variable) p.a. (0% fee for 90 days)
Account Fees
£0
Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 13.94% (variable) p.a., most accepted customers get a rate of 13.9% APR (variable).
Showing 1-10 of 16 cashback credit cards
What are Cashback Credit Cards?
Cashback credit cards provide a way to earn rewards from everyday spending. For example, it is possible to earn a percentage of your spending back as cash. Whether it’s groceries, fuel, or other purchases, cashback is credited to your account, often as a statement credit.
Does the UK have Cashback Credit Cards?
Yes, UK consumers have access to a range of cashback credit cards. Many major banks offer cashback cards such as American Express UK. More recently, challenger banks such as Monzo now offer the Monzo Flex Credit Card with cashback offers too.
Is a Cashback Credit Card worth it?
A Cashback Credit Card can be worth it, especially if you frequently use a credit card for your purchases and can pay off the balance in full each month. Here are some considerations to help decide if a Cashback Credit Card aligns with your financial habits and goals:
- Rewards on Everyday Spending: If you’re spending regularly on groceries, petrol, or other essentials, a cashback card could let you earn a percentage of that spending back. This is a straightforward perk that can add up over time if you use your credit card as your primary payment method.
- No Annual Fees: Some UK cashback cards don’t have annual fees, which means you earn rewards without needing to offset any annual cost. But if a card has an annual fee, calculate if your cashback earnings will exceed this fee.
- Interest Rates: Cashback cards tend to have higher interest rates, so they’re ideal if you consistently pay off the balance in full each month. Otherwise, the interest could quickly outweigh any cashback you earn.
- Spending Habits: A cashback card is most beneficial if you use it frequently. If your credit card usage is sporadic, a card without a cashback feature but with a lower interest rate or additional perks (like travel insurance) might make more sense.
- Special Cashback Offers: Some UK credit cards have special bonus categories or introductory cashback rates, such as a higher cashback rate for the first three months. If you plan a major purchase, this type of card could give you a boost in cashback.
- Comparison to Alternatives: Evaluate other reward types, such as travel rewards or points. Cashback is often more flexible, but if you prefer travel benefits, a points or air miles card could be more suitable.
Which credit cards are the best for Cashback?
Selecting the best cashback credit card depends on factors like cashback rates, annual fees, and redemption options. Therefore, look for high cashback rates in categories you frequently spend on and be mindful of fees that might offset your rewards. Check out Mintify’s Top 3 Cashback Credit Cards or take a free eligibility check to see which Cashback Credit Card has the best offer for you.
How do Cashback Credit Cards work?
When you use your cashback credit card, a percentage of the purchase amount is credited back. As a result, this cashback accumulates and can be redeemed as statement credits, direct deposits, or gift cards.
Benefits of using Cashback Credit Cards
There are several benefits to using cashback credit cards:
- Earn Money on Purchases: The primary benefit is that you earn money back on every purchase you make. This can add up over time, especially if you use your credit card for most of your spending.
- Simple Rewards System: Unlike some rewards cards that offer points or miles which can be complex to redeem, cashback is straightforward and easy to understand.
- Versatility: You can usually use the cashback for anything, whether it’s to pay down your credit card balance, save for a rainy day, or treat yourself to something special.
- Incentives for Spending: Many cashback cards offer higher cashback rates for certain categories like groceries, dining, or fuel, encouraging you to maximise your rewards by spending in those areas; however don’t overspend your budget just to accumulate cashback as that defeats the purpose of having a cashback card.
How to choose the best Cashback Credit Card
Choosing the best cashback credit card can make a significant difference in how much you earn back. Here’s what to consider:
- Cashback Rates: Look for cards that offer high cashback rates, especially in categories where you spend the most. Some cards offer a flat rate on all purchases, while others provide higher rates for specific categories.
- Sign-Up Bonuses: Some cards offer generous sign-up bonuses if you spend a certain amount within the first few months. These bonuses can give your cashback earnings a substantial boost right from the start.
- Annual Fees: Be mindful of any annual fees. Make sure the fees don’t outweigh the benefits of the card.
- Redemption Options: Check how you can redeem your cashback. Some cards offer more flexible redemption options than others.
- Additional Benefits: Look for other perks that come with the card, such as travel insurance, purchase protection, or extended warranties.
Maximising Your Cashback Rewards
To get the most out of your cashback credit cards, consider these tips:
- Use the right card for each purchase. If you have multiple cashback cards, use the one that offers the highest rewards for each category. For instance, use a card with higher grocery rewards for supermarket shopping.
- Pay off your balance each month. To truly benefit, avoid carrying a balance. Interest charges can quickly negate your cashback earnings, so make sure you understand how interest rates work.
- Watch for bonus categories. Some cards offer rotating bonus categories that change each quarter. Keep in mind that these should align with your spending habits. Ultimately, the card needs to work for you and not the other way around.
- Combine rewards with other offers. In addition, take advantage of cashback portals and retailer offers alongside your card’s cashback. This approach can lead to double or even triple cashback on some purchases.