Ongoing uncapped cashback
Access to pre-sale tickets with American Express Experiences
To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.
Read the full methodologyApproval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.
Cashback credit cards earn you cash in proportion to the amount you spend on them. This is known as your “earn rate”. A card that rewards you with £1 for every £100 you spend would have an earn rate of 1%, for example.
Higher earn rates are typically offset by an annual card fee – but this could be worth paying depending on how much you plan to use the card and therefore how much cashback you think you’ll get over the year.
Earn rates aren’t as high as they were a few years ago, and there are fewer cashback credit cards around. But there are some tasty intro bonuses up for grabs, from elevated earn rates for a set period of time to one-off lump sums – provided you meet the minimum spend requirements.
Some cards only offer the occasional opportunity to earn cashback when you spend with a specific brand they’ve partnered with, but dedicated cashback cards usually let you earn money back on every purchase.
A cashback credit card gives you cash rewards on pretty much all your spending, usually in the form of credit on your account. Cashback offers vary between credit cards and sometimes even an individual card can have multiple earn rates that apply depending on where you spend. Some cashback credit cards also offer an introductory “sign-up” bonus as a sweetener.
In fact, there are three main ways you can earn cashback on your credit card purchases, which we’ve outlined here:
Here are the key details to look at when you’re comparing different cashback credit card options:
Weighing up some of the pros and cons could help you determine whether a cashback credit card is right for you.
If you’ve decided you want a cashback credit card and have chosen the one that best suits your needs, you can usually apply for it online. But before you apply, make sure you meet the eligibility requirements and have the necessary documents needed to complete your application. These will vary from card to card, but you can usually expect the following:
Once you’ve provided all of this information and hit “submit” on your online application, you should get an immediate response regarding your application. If you’re approved, you’ll receive your credit card in the post within 1-2 weeks. If the card has a cashback offer, you should read the Product Disclosure Statement to confirm the terms and conditions and when you can expect to receive the cashback in your account.
Setting up a direct debit to pay off the full balance of your credit card each month is key to ensuring you pay on time and avoid high interest charges.”
Unfortunately, you’ll generally need a good credit score to be eligible for the best cashback credit cards. It’s worth taking the time to rebuild your credit score by paying bills on time and checking you’re on the electoral roll before you apply for a cashback credit card. Using an eligibility checker will allow you to see which cards you’re most likely to get without hurting your credit score.
If you use your credit card regularly, but are still able to pay off your balance each month, a cashback credit card can give you a better return on your spending. You’ll earn cashback on all your purchases, which can make a big difference over time, as long as you’re disciplined about using your card and repaying the balance.
If you don’t use your card much, or have trouble clearing your monthly balance, you may find that a cashback credit card doesn’t represent good value for money – especially if it also charges an annual fee.
A business credit card is one way to boost spending power and enjoy a little flexibility in handling your company’s cashflow. And on top of this, you could enjoy perks like cashback.
Use our calculator to find out how long it would take to clear your credit card balance by making the minimum required payments vs paying a fixed amount each month.
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