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Cashback Credit Cards

Page updated: 26th of February 2019

This page contains a comprehensive and regularly updated guide to the credit cards offering cashback.

Cards featured here include:

Cashback credit cards will automatically credit your earnt cashback to your account at the end of the year.

If you wish to check your credit score before applying for any of the cards listed, Experian lets you view your credit score for free every month.

Top Tip

The Curve Card offers an excellent, cost effective way to spend on a Visa or Mastercard reward credit card abroad. Rather than the card being charge in the local currency resulting in a ~3% transaction fee, purchases made in foreign currencies using Curve are charge to your card in pound stirling at the Mastercard wholesale exchange rate with curve adding a lower 1% transaction fee (ie. 1p per £1 spend). Since some of the card listed have a points per pound spend value above 1p, spending abroad with curve can still result in a net gain. More information about the Curve Card can be found here.

It should be noted that by discussing credit and charge cards on this site, we are in effect, acting as a credit broker. Canis Media Ltd, trading as Expert with Points, is authorised and regulated by the Financial Conduct Authority (FCA FRN 792662) to act as a credit broker.

This is a journalistic website, as such, we merely describe different travel related credit card options available to you; it is your responsibility to determine whether these products are suitable for your financial circumstances. Nothing on Expert with Points should be seen as constituting financial advice. Recommendations given, for any financial products, are based on the benefits and perks they offer.


American Express Platinum Cashback

American Express Platinum Cashback

  • Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership.
  • Bonus £25 when you sign up using the links on this page and spend £1.
  • Earn up to 1.25% cashback if you spend over £10,001 per year.
  • Access to American Express offers.
  • £25 annual fee.

Annual fee: £25 Annual Fee, - - 5% cashback (up to £125) in the first three months - - up to 1.25% Cashback if you spend more than - Apply Here.

Representative 28.2% APR variable. Based on annual fee of £25 and assumed credit limit of £1,200. Interest rate for purchases: 22.9% p.a. variable.

You can currently get an addional £25 cashback when using the links on this page.

Apply Here

Enjoy a generous 5% cashback on the purchases you make for the first three months, up to £125 cashback.

After the first three months of Cardmembership you’ll earn up to 1.25% cashback, depending on how much you spend on the Card:

  • Spend £0 to £10,000 and receive 1% cashback on purchases
  • Spend over £10,000 and receive 1.25% cashback on purchases

Generous on-going offers taylored to you.

American Express Invites® gives Cardmembers exclusive access to purchase tickets for some of the hottest shows and events, often before they go on sale to the general public.

Travel accident insurance when you pay for your trip with your AMEX card.

Purchase and refund protection that goes above and beyond the staturatury requirements of Section 75.

Excellent Customer Service

Conclusion

I will always have a soft spot for the American Express (AMEX) Platinum Cashback card, this was my first rewards credit card and ultimately the inspiration for this website!

This is the highest rate cashback card currently available in the UK, offering 1% cashback on the first £10,000 and 1.25% on any spend above this. Whatismore, with American Express Offers you get the opportunity to drastically increase the cashback you earn in a given year with personalised offers such as “£5 card credit when you spend £10 at Costa etc.” often being available for you card.

Applying through the links on this page will earn you an additional £25 cashback, negating the card fee for the first year.

AMEX acceptance is not really an issue nowadays; a large number of shops (including small retailers) now accept AMEX. The only real exception to this is B&Q!

If you spend £5,000 or more each year on credit or debit card, and are looking to earn cashback then this is the card to consider!

Apply Here

This card has a minimum income requirement, however this is low at £13,000.

This card offers and interest rate of 22.9% per year (variable, representative) for both purchases and cash withdrawals. Your final interest rate may be higher based on your individual circumstances.

You can earn up to 1.25% cashback if you spend more that £10,000 a year.

If you are only likely to spend between £3,000 and £4,999 then you would be better getting the free American Express Platinum Cashback Everyday or the Tandem Card.

Conclusion

I will always have a soft spot for the American Express (AMEX) Platinum Cashback card, this was my first rewards credit card and ultimately the inspiration for this website!

This is the highest rate cashback card currently available in the UK, offering 1% cashback on the first £10,000 and 1.25% on any spend above this. Whatismore, with American Express Offers you get the opportunity to drastically increase the cashback you earn in a given year with personalised offers such as “£5 card credit when you spend £10 at Costa etc.” often being available for you card.

Applying through the links on this page will earn you an additional £25 cashback, negating the card fee for the first year.

AMEX acceptance is not really an issue nowadays; a large number of shops (including small retailers) now accept AMEX. The only real exception to this is B&Q!

If you spend £5,000 or more each year on credit or debit card, and are looking to earn cashback then this is the card to consider!

Apply Here

Nationwide Select Credit Card

Tandem Travel Cashback Credit Card

  • No foreign transaction fees.
  • 0.5% cashback on all your purchases - both at home and abroad.
  • No card fee.

Annual fee: No Annual Fee, - - 0% FX - - 0.5% Cashback on purchase both at home and abroad - Apply Here.

18.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable).

This card makes an excellent secondary card due to the 0.5% cashback on all spending. Combined with its 0% FX fees, this is probably the best travel credit card available at the moment!

Eligibility: The minimum income for this card is extremely low at £13,000.

Apply Here

The main benefit of this card is the cashback rate of 0.5% on all spending (both at home and abroad) and the 0% FX fees. This card gives unlimited commission-free purchases abroad.

As such, this is probably the best travel credit card available at the moment and makes a good alternative to an American Express.

The card also offers no fee on cash withdrawals abroad (although it does start charging interest immediately for these).

Conclusion

With the interchange fee capped at 0.3% and this card paying 0.5% cashback, the offer from this card is clearly financially unsustainable. As Tandem is relatively new, relaunching in January 2018 (it lost its license due to its investor pulling out in March 2017), the likelihood is that the perks of this card are simply a way of luring new customers who will likely take out other Tandem products when they launch in the future.

All in all however, the sustainability is irrelevant for the time being. The card is offering 0% FX fees and the ability to collect 0.5% cashback on all spending (both at home and abroad). As such, this card makes an excellent travel companion and alternative to American Express. Especially since Lloyds stopped accepting customers online for its Avios card and it is only a matter of time before that card is closed completely.

Apply Here

This card has a minimum income requirement, however this is low at £13,000.

This card offers and interest rate of 18.9% per year (variable, representative) for both purchases and cash withdrawals.

You can earn 0.5% on every purchase above £1 at home and abroad.

There are no fees for making purchases abroad. Interest will still be charged as normal.

You'll be charged interest from the day you withdraw cash in the UK and abroad. In the UK you will also be charged a fee of 2.5% or £2.50 (whichever is higher). There are no fees for withdrawing cash abroad.

There is a £12 fee if you make a late payment, or your payment fails.

Conclusion

With the interchange fee capped at 0.3% and this card paying 0.5% cashback, the offer from this card are clearly financially unsustainable. As Tandem is relatively new, relaunching in January 2018 (it lost its license due to its investor pulling out in March 2017), the likelihood is that the perks of this card are simply a way of luring new customers who will likely take out other Tandem products when they launch in the future.

All in all however, the sustainability is irrelevant for the time being. The card is offering 0% FX fees and the ability to collect 0.5% cashback on all spending (both at home and abroad). As such, this card makes an excellent travel companion and alternative to American Express. Especially since Lloyds stopped accepting customers online for its Avios card and it is only a matter of time before that card is closed completely.

Apply Here

Platinum Cashback Everyday Credit Card

Platinum Cashback Everyday Credit Card Everyday

  • Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership.
  • Bonus £10 when you sign up using the links on this page and spend £1.
  • Earn up to 1% cashback if you spend over £5,000 per year.
  • Access to American Express offers.
  • No annual fee.

Annual fee: No Annual Fee, - - 5% cashback (up to £100) in the first three months - - up to 1% Cashback if you spend more than £5,000 - Apply Here.

Representative 22.9% APR variable. Based on an assumed credit limit of £1,200. Interest rate for purchases: 22.9% p.a. variable.

You can currently get an addional £10 cashback when using the links on this page.

Apply Here

Enjoy a generous 5% cashback on the purchases you make for the first three months, up to £100 cashback.

After the first three months of Cardmembership you’ll earn up to 1% cashback, depending on how much you spend on the Card:

  • Spend £0 to £5,000 and receive 0.5% cashback on purchases
  • Spend over £5,000 and receive 1% cashback on purchases

Generous on-going offers taylored to you.

American Express Invites® gives Cardmembers exclusive access to purchase tickets for some of the hottest shows and events, often before they go on sale to the general public.

Travel accident insurance when you pay for your trip with your AMEX card.

Purchase and refund protection that goes above and beyond the staturatury requirements of Section 75.

Excellent Customer Service

Conclusion

This is the second highest rate cashback card currently available in the UK (second to the AMEX), offering 0.5% cashback on the first £5,000 and 1% on any spend above this. Whatismore, with American Express Offers you get the opportunity to drastically increase the cashback you earn in a given year with personalised offers such as “£5 card credit when you spend £10 at Costa etc.” often being available for you card.

Applying through the links on this page will earn you an additional £10 cashback, negating the card fee for the first year.

AMEX acceptance is not really an issue nowadays; a large number of shops (including small retailers) now accept AMEX. The only real exception to this is B&Q!

In all honesty however, if you spend £5,000 or more in a year then you are better off getting the American Express Platinum Cashback card; it has a higher cashback rate from the start which means that after £5,000 of spending you will have earnt £50 of cashback, accounting for the fee leaves you with the same £25 that the free card offers. Since you can already negate the £25 fee for the American Express Platinum Cashback card by signing up with a link on this page, the Platinum Cashback card would be the better choice.

Beware that with the free card, there is a minimum spend of £3,000 in order to be paid the accrued cashback.

Apply Here

This card offers and interest rate of 22.9% per year (variable, representative) for both purchases and cash withdrawals.

You can earn up to 1.25% cashback if you spend more that £10,000 a year.

You will need to spend at least £3,000 to be paid the accrued cashback. If you are unlikely to spend this amount then you would be better getting the free Tandem Card.

If you are likely to spend for that £5,000 then you would be better getting the American Express Platinum Cashback Everyday.

Conclusion

This is the second highest rate cashback card currently available in the UK (second to the AMEX), offering 0.5% cashback on the first £5,000 and 1% on any spend above this. Whatismore, with American Express Offers you get the opportunity to drastically increase the cashback you earn in a given year with personalised offers such as “£5 card credit when you spend £10 at Costa etc.” often being available for you card.

Applying through the links on this page will earn you an additional £10 cashback, negating the card fee for the first year.

AMEX acceptance is not really an issue nowadays; a large number of shops (including small retailers) now accept AMEX. The only real exception to this is B&Q!

In all honesty however, if you spend £5,000 or more in a year then you are better off getting the American Express Platinum Cashback card; it has a higher cashback rate from the start which means that after £5,000 of spending you will have earnt £50 of cashback, accounting for the fee leaves you with the same £25 that the free card offers. Since you can already negate the £25 fee for the American Express Platinum Cashback card by signing up with a link on this page, the Platinum Cashback card would be the better choice.

Beware that with the free card, there is a minimum spend of £3,000 in order to be paid the accrued cashback.

Apply Here


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It should be noted that by discussing credit and charge cards on this site, we are in effect, acting as a credit broker. Expert with Points Ltd is authorised and regulated by the Financial Conduct Authority (FCA FRN 792662) to act as a credit broker.

This is a journalistic website, as such, we merely describe different travel related credit card options available to you; it is your responsibility to determine whether these products are suitable for your financial circumstances. Nothing on Expert with Points should be seen as constituting financial advice. Recommendations given, for any financial products, are based on the benefits and perks they offer.

Ross Slater

Dr Ross Slater

Ross is Expert with Points' main contributor. Sharing his knowledge of various travel reward schemes, to help your travelling go further.

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