Cash Back Credit Cards
We detail the best cash back credit cards in the UK. Find a cashback credit card that makes you money as you spend. The table below details the best cash back credit cards available in the UK. If you are going to spend on your credit card anyway, why not save some money in the process? If you use your card regularly, you may be surprised at how much money you can accumulate over a year. Surprisingly, a competitive cash back rate does not necessarily mean an uncompetitive standard APR and introductory rates, as you will see below.
We have also included in the table any introductory offers relating to the credit cards and the standard APR that applies once any introductory offers have expired.
We also provide three other 'best buy tables' covering 0% balance transfers, 0% introductory rate on purchases and low standard APR rates.
| Company | Card Type | Typical APR (Variable) | Bal Trans | Duration | Intro Rate | Duration | Cashback | Apply? |
|---|---|---|---|---|---|---|---|---|
| American Express a | Platinum | Typical 18.9% APR (Variable) | - | - | - | - | 5.0% |  |
| Virgin Money b | Virgin Credit Card | Typical 15.9% APR (Variable) | 0.0% | 15 months | 0.0% | 3 months | 0.0% | |
| MBNA c | Platinum | Typical 15.9% APR (Variable) | 0.0% | May 2009 | 0.0% | July 2008 | 0.0% | |
| Royal Bank of Scotland d | Classic Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| CashPlus e | Mastercard | Typical 0.0% APR (Variable) | 0.0% | - | 0.0% | - | 0.0% | |
| NatWest f | Classic Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| Royal Bank of Scotland g | Platinum Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| NatWest h | Platinum Card | Typical 13.9% APR (Variable) | 0.0% | 13 months | 0.0% | 6 months | 0.0% | |
| Tesco i | Club Card | Typical 16.9% APR (Variable) | 0.0% | 13 months | 0.0% | 3 months | - | |
| Egg j | Credit Card | Typical 16.9% APR (Variable) | 0.0% | May 2009 | 0.0% | July 2008 | - | |
a - 5% cashback for first 3 months, then 1.5% thereafter.
b - Can’t wait to get a credit card? They could give you a decision online right now.
c - 0% p.a. on transferring cash into your current account until May 2009. Apply for an Instant Decision!
d - Get 0% on balance transfers for 13 months (2.9% fee applies).
e - Pre-pay payment card only, no credit check or bank account required. Guaranteed acceptance.
f - Get 0% on balance transfers for 13 months (2.9% fee applies) and 0% for 6 months on all your purchases.
g - Available to those 25+ earning £25,000+ p.a.
h - Available to those over 25 earning £25,000+ p.a. .
i - 0% on everything you buy in Tesco for 13 months. Fastest way to collect Clubcard points everywhere you shop!
j - Plus 0% anniversary offer for up to five months on balance transfers (plus fee*) made in Apr 2010 & Apr 2011.
Whilst every care has been taken to ensure the information displayed here is correct, always check the details of a card before applying as offers are subject to change without notice.
