Cash Back Credit
Card Comparison

Cash Back Credit Card Comparison - if you want something back from your credit card, a cash back card may be the answer. Use our cash back credit card comparison table to find the right one for you.

Credit Cards

Editors Choice - American Express - 5% Cash Back

Get 5% cashback on your spend with the Platinum Cashback Credit Card! After 3 months the rate will drop to an ongoing 1.25% cash back with no limits...

Cash Back Credit Card Comparison

Cash Back Credit Card Comparison can be a tricky business. With so many offers on the market, it can be difficult deciding which one is right for you.

However, there is a quick and easy alternative to searching through countless company websites. With all of the best deals in one place, Which4U take the stress out of cash back credit card comparison and lay all of the essential information out on a platter for you to pick and choose from. And with every detail that you might need covered, you can have the confidence to apply knowing that you are getting exactly what you want.
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Capital One Aspire World

Advice

Earn 5% cashback on purchases for your first 3 months (max £100) and up to 1.25% unlimited cashback thereafter!!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 19.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 19.9% p.a.
Balance Transfer Fee: 3%
Cash Advance: 19.9% p.a.
Annual Fee: £18 p.a.
Standard Features
Credit Limit: £4,500 - £7500
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Cashback
Introductory Cashback Rate: 5% for 3 mths
Standard Cashback Rate: 1.25%
Approval Criteria
  • You're aged 21 or over
  • You have an income of more than £20,000 per annum
  • You've had no CCJs or defaults in the past
  • You don't already have a Capital One credit card but have had other credit cards

Credit Card Benefits

  • Earn 5% cashback on purchases for your first 3 months (max £100) and up to 1.25% unlimited cashback thereafter
  • No Annual Fee!!

Amex Platinum Cash Back

Advice

Get 5% cashback on up to £2,000 spend within 1st 3 months (Max £100). After this you can earn cashback rates of 1.25% with NO spend limit!!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 18.5% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 18.5% p.a.
Cash Advance: 22.9% p.a.
Annual Fee: £25 p.a.
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Introductory Cashback Rate: 5% for 3 mths
Standard Cashback Rate: 1.25%
Approval Criteria
  • I am aged 18 or over
  • I have a current UK bank or building society account
  • I have a permanent UK home address
  • I have a household income of at least £20,000
  • I have no history of bad debt
  • If self-employed, I have been working for more than one year.

Credit Card Benefits

  • Purchase Protection: Up to £20,000 for every 365 day period, for eligible items stolen or accidentally damaged within 90 days of purchase.
  • Refund Protection: Up to £200 per eligible item and £750 for every 365 day period.

Credit Card Cashback

  • Get 5% Cash Back on up to £2,000 spend within 1st 3 months (Max £100)
  • After this you can earn cashback rates of 1.25% with NO spend limit!!

Santander 123 Cashback Card

Advice

Earn 1% Cashback at Supermarkets, Earn 2% Cashback at Department Stores, Earn 3% Cashback at Petrol Stations (£300 monthly spend cap applies).

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 15.9% p.a.
Cash Advance: 22.8% p.a.
Annual Fee: £24
Standard Features
Credit Limit: £16,000
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Cashback
Standard Cashback Rate: 1-3%
Approval Criteria
  • You are at least 18 years of age;
  • You have had a permanent UK address for at least the last 3 years;
  • You do not have a history of bad credit (in other words, county court judgements or bankruptcy);
  • You have an income in excess of £7,500.

Credit Card Cashback

  • Earn 1% Cashback at Supermarkets, Earn 2% Cashback at Department Stores, Earn 3% Cashback at Petrol Stations (£300 monthly spend cap applies).

Barclaycard Business Cash Back Credit Card

Advice

Get 3% Cash Back on office supplies & stationery, legal & accounting services, computer equipment and support, 1% cash back on fuel and 0.5% cash back on everything else.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 19.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 24.9% p.a.
Cash Advance: 27.9% p.a.
Annual Fee: £32 p.a.
Standard Features
Credit Limit: £10,000 Maximum (Subject to Status)
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Standard Cashback Rate: 0.50%

Credit Card Cashback

  • Get 3% Cash Back on office supplies & stationery, legal & accounting services, computer equipment and support.
  • Get 1% cash back on fuel at petrol stations – perfect for offsetting spiralling transport costs
  • Get 0.5% Cash Back on all other spend.
  • Total Cash Back limit of £400 per year

Top 5 Cashback Credit Cards

Card
Issuer
Cash Back Rate
Cash Back Paid
Payment Method
Apply
View Full Table >
Intro 5%
Duration 3 mths
Ongoing 1.25%
Annually
Deposit on Card
Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% (variable) your Representative APR will be 19.9% (variable).
Intro 5%
Duration 3 mths
Ongoing 1.25%
Annually
Deposit on Card
Representative Example: If you spend £1,200 at an annual interest rate of 14.0% (variable) with a £25 annual Fee your Representative APR will be 18.5% (variable).
Intro N/A
Duration N/A
Ongoing 1-3%
Monthly
Deposit on Card
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) with a £24 annual Fee your Representative APR will be 22.8% (variable).
Intro N/A
Duration N/A
Ongoing 0.50%
Annually
Deposit on Card
Representative Example: Representative 19.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 19.9%

Advice

Earn 5% cashback on purchases for your first 3 months (max £100) and up to 1.25% unlimited cashback thereafter!!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 19.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% (variable) your Representative APR will be 19.9% (variable).
Annual Rates
Balance Transfers: 19.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 19.9% p.a.
Annual Fee: £18 p.a.
Standard Features
Credit Limit: £4,500 - £7500
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Cashback
Introductory Cashback Rate: 5% p.a.3 mths
Standard Cashback Rate: 1.25%
Approval Criteria
  • You're aged 21 or over
  • You have an income of more than £20,000 per annum
  • You've had no CCJs or defaults in the past
  • You don't already have a Capital One credit card but have had other credit cards

Advice

Get 5% cashback on up to £2,000 spend within 1st 3 months (Max £100). After this you can earn cashback rates of 1.25% with NO spend limit!!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 18.5% p.a. (variable)
Representative Example: If you spend £1,200 at an annual interest rate of 14.0% (variable) with a £25 annual Fee your Representative APR will be 18.5% (variable).
Annual Rates
Balance Transfers: 18.5% p.a.
Cash Advance: 22.9% p.a.
Annual Fee: £25 p.a.
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Introductory Cashback Rate: 5% p.a.3 mths
Standard Cashback Rate: 1.25%
Approval Criteria
  • I am aged 18 or over
  • I have a current UK bank or building society account
  • I have a permanent UK home address
  • I have a household income of at least £20,000
  • I have no history of bad debt
  • If self-employed, I have been working for more than one year.

Advice

Earn 1% Cashback at Supermarkets, Earn 2% Cashback at Department Stores, Earn 3% Cashback at Petrol Stations (£300 monthly spend cap applies).

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) with a £24 annual Fee your Representative APR will be 22.8% (variable).
Annual Rates
Balance Transfers: 15.9% p.a.
Cash Advance: 22.8% p.a.
Annual Fee: £24
Standard Features
Credit Limit: £16,000
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Cashback
Standard Cashback Rate: 1-3%
Approval Criteria
  • You are at least 18 years of age;
  • You have had a permanent UK address for at least the last 3 years;
  • You do not have a history of bad credit (in other words, county court judgements or bankruptcy);
  • You have an income in excess of £7,500.

Advice

Get 3% Cash Back on office supplies & stationery, legal & accounting services, computer equipment and support, 1% cash back on fuel and 0.5% cash back on everything else.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 19.9% p.a. (variable)
Representative Example: Representative 19.9% APR variable. Based on £32 annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 19.9%
Annual Rates
Balance Transfers: 24.9% p.a.
Cash Advance: 27.9% p.a.
Annual Fee: £32 p.a.
Standard Features
Credit Limit: £10,000 Maximum (Subject to Status)
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Standard Cashback Rate: 0.50%