Cashback Credit Card Comparison

Q: Is there a limit on how much cashback I can earn?

Often, yes. Many cards cap cashback monthly or annually, or pay a lower rate above a threshold. Check the card terms for any caps.

Q: Do all purchases earn cashback?

Not always. Cash withdrawals, balance transfers, gambling transactions and certain other payments may be excluded. Check the lender’s terms.

Q: Will checking my eligibility affect my credit score?

No. Eligibility checks use soft credit searches carried out by Experian and/or participating lenders. A soft search may appear on your own credit report, but it is not visible to other lenders and does not affect your credit score. If you apply, the lender may carry out a hard credit search.

Q: Are all cashback credit cards available here?

No. We compare a range of cashback credit cards from lenders and providers on our panel, but we do not compare every card available in the UK.

Q: What’s a representative APR?

A representative APR is an APR at or below which the lender reasonably expects at least 51% of credit agreements resulting from the promotion to be entered into. The APR you are offered may be different depending on your circumstances.

Q: Can I hold more than one credit card?

Yes. Some people hold more than one card to earn across different categories, but applying for several in a short period can lead to multiple hard searches and may affect your credit score or future applications. Quotezone is a credit broker, not a lender. Cashback rates, caps and fees vary between cards. Before applying, check the cashback rate, any annual fee, the representative APR and the terms applying to earning and redeeming cashback. You can also compare rewards credit cards, travel credit cards, purchase credit cards and balance transfer credit cards, or browse all credit cards. About this online comparison service Quotezone provides this information only comparison service for credit cards. Our eligibility checker service uses a ‘soft credit search’, which will not harm your credit score, to show your likelihood of acceptance by the lender. Quotezone acts as a credit broker, not a lender, which means we show you and distribute products offered by a range of lenders. Quotezone does not offer advice or recommendation, so you must decide which product is right for you based on your needs. We do not charge you a fee for our service, but we will receive a payment, directly or indirectly, from the product provider if you select one from the product table (based on either a flat fee or a fixed percentage of the amount you borrow). The payment we receive does not influence the information we provide to you. You should check with your selected provider to find out what fees may be applicable to you. To apply you must be a UK resident and aged 18 and over. Credit is subject to status and eligibility. More information about our service can be found in our FAQs, Terms and Conditions and Privacy Policy.

Compare cashback credit cards

Compare cashback credit cards from UK providers on our panel
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Illustration of a person holding credit cards, with icons for low APR, 0% purchases, rewards, balance transfers and fee-free spending abroad.

What is a cashback credit card?

A cashback credit card pays you back a percentage of what you spend, usually credited to your account each month or year. Our comparison shows cashback credit cards from UK providers on our panel. Compare the cashback rate, any annual fee and the standard interest rate before you apply. Checking your eligibility uses a soft search that won’t affect your credit score.

What you need to consider when reviewing your cashback credit card options

Usage

Think about where and how much you spend, as cashback rates can vary by retailer or spending category. A cashback card pays off most if you use it for everyday spending and clear the balance.

Representative APR

The representative APR (Annual Percentage Rate) shows the potential annual cost of borrowing. The APR offered to you may differ and will depend on your circumstances.

Cashback rate

Compare how much cashback you earn, whether the rate is flat or tiered, and whether an introductory rate drops after a few months.

Fees and Charges

Some cashback cards charge an annual fee. Check whether the cashback you expect to earn outweighs the fee, along with any other charges.

Earning and redeeming

Check how and when cashback is paid, any monthly or annual caps, and whether a minimum applies. As MoneyHelper notes, a cashback card pays off mainly if you clear the balance, since interest can outweigh what you earn.

Eligibility

Each lender applies its own criteria. Income, credit history, existing borrowing and recent applications may affect eligibility and the credit limit offered.

How does the cashback credit card comparison process work?

Our comparison shows a range of cashback cards from UK lenders and providers on our panel, with transparent information about cashback rates, fees, features and eligibility before you apply.

Your Information

You will be asked for details about your circumstances, credit history, finances, and intended card use so that available results can be tailored.

We search our panel of lenders

Our panel includes UK banks, card issuers, and other credit providers. Experian and/or participating lenders assess your eligibility for cards available through our comparison service.

Personalised results

You can review cashback cards available through our panel, with an indication of acceptance likelihood where available. Eligibility checking uses a soft search carried out by Experian and/or participating lenders, and does not affect your credit score.

Apply with confidence

If you choose to apply, you will be taken to the lender’s website. The lender makes the final decision and may carry out a hard credit search.

What types of cashback credit cards can I compare?

Flat-Rate Cashback Cards

Tiered Cashback Cards

Introductory Cashback Cards

Cashback Cards with an Annual Fee

Everyday Spending Cashback Cards

Worked example

Example: a card paying 1% cashback earns £10 on £1,000 of spending. Spend £1,000 a month and clear the balance in full, and that is around £120 of cashback over a year. Carry a balance, though, and the interest charged can easily outweigh what you earn.

Tips that can help to increase the chances of being accepted for a cashback credit card

A few simple checks before you apply for a cashback card can improve your chances of acceptance.

Credit Report

Check your credit report and correct any inaccurate information before applying.

Electoral Register

Make sure you are registered to vote at your current address where eligible.

Pay Your Bills

Pay bills and existing credit commitments on time.

Level of Borrowing

Keep borrowing manageable, and aim to clear the balance so interest doesn’t reduce the value of your cashback.

Eligibility Checking

Using an eligibility checker before applying can help you understand your likelihood of acceptance. Soft searches do not affect your credit score.

How do cashback credit cards work?

Cashback credit cards pay you back a percentage of what you spend, usually credited to your account each month or year. The rate can vary by retailer or spending category, and some cards cap how much you can earn. They work best if you clear the balance in full each month, so interest does not outweigh the cashback.

Are cashback credit cards worth it?

That depends on how much you spend and whether you clear the balance. If you pay interest or an annual fee, these costs can outweigh the cashback. Consider the cashback rate, any fee and the representative APR when comparing cards.

Frequently asked questions

Is there a limit on how much cashback I can earn?

Do all purchases earn cashback?

Will checking my eligibility affect my credit score?

Are all cashback credit cards available here?

What’s a representative APR?

Can I hold more than one credit card?

Quotezone is a credit broker, not a lender. Cashback rates, caps and fees vary between cards. Before applying, check the cashback rate, any annual fee, the representative APR and the terms applying to earning and redeeming cashback.

You can also compare rewards credit cards, travel credit cards, purchase credit cards and balance transfer credit cards, or browse all credit cards.

About this online comparison service

Quotezone provides this information only comparison service for credit cards. Our eligibility checker service uses a ‘soft credit search’, which will not harm your credit score, to show your likelihood of acceptance by the lender. Quotezone acts as a credit broker, not a lender, which means we show you and distribute products offered by a range of lenders.

Quotezone does not offer advice or recommendation, so you must decide which product is right for you based on your needs. We do not charge you a fee for our service, but we will receive a payment, directly or indirectly, from the product provider if you select one from the product table (based on either a flat fee or a fixed percentage of the amount you borrow). The payment we receive does not influence the information we provide to you. You should check with your selected provider to find out what fees may be applicable to you.

To apply you must be a UK resident and aged 18 and over. Credit is subject to status and eligibility.

More information about our service can be found in our FAQs, Terms and Conditions and Privacy Policy.