The top credit cards that offer cashback

With cashback credit cards, you can earn rewards for regular purchases

We provide a list of some of the greatest offers available.

Cashback credit cards reward you with a portion of your regular purchases. These cards can help you earn hundreds of pounds in rewards annually if you pay off your bill in full each month.

The benefits you receive can accumulate over time, but it's important to pay off your balance in full to avoid interest charges outweighing the benefits.

The maximum amount of cashback you can receive with these cards is typically capped, and some of them have a monthly fee.

We examine the best credit cards for cashback so you can maximize your purchases.

Which credit cards offer the highest cashback?

Lloyds Credit Card Ultra.

1% cashback on all purchases during the first year, 0.25% cashback after the first year, fee-free spending overseas, fee-free ATM withdrawals, and yearly cashback paid in January. This card doesn't offer the highest cashback amount, but it does come with fee-free spending overseas. Additionally, you can receive 1% cashback on both domestic and foreign purchases. There is a representative APR of 12.9 percent if you are unable to pay the statement in full.

The American Express Cashback Everyday Credit Card.

This American Express credit card has the highest cashback rate among UK credit cards, but it will decrease after five months. It offers 5% cashback (up to 125) on purchases made during the first five months, 0.5% cashback on purchases made after the first three months, and 1% cashback on anything over 10,000. It has no annual fee and is accessible to new cardholders. There is a representative annual percentage rate (APR) of 29.4 percent if you don't pay in full.

See which American Express credit card best meets your needs by looking at all of them.

Credit card from Santander Edge.

1% cashback on all purchases (up to 10 per month) There are no foreign exchange fees when using this credit card abroad. The monthly fee is 4.

You could receive 48, which covers the card's monthly fee for this year, if you already have a Santander current account and obtain the credit card before January 13, 2026.

You must use your credit card more than ten times in the first three months and set up a direct debit in order to be eligible for this bonus.

The representative APR is 37.8 percent if you are unable to pay in full.

Everyday cashback card from Virgin Money.

1 percent cashback on purchases (up to 15) for the first ninety days, followed by 0.25 percent cashback after that. The cashback you receive is taken out of your credit card balance each month. Cashback on purchases made overseas with no fees This card has no monthly fees, but the representative annual percentage rate (APR) is 27.9 percent if you don't pay it back in full each month.

Barclaycard Reward card.

0.25 percent cashback on all qualifying purchases; no fees overseas on purchases or ATM withdrawals; cashback is earned annually; this card has no monthly fees; however, the representative annual percentage rate (APR) is 28.9 percent if you don't pay back the entire amount each month.

What is the mechanism of cashback credit cards?

If your credit card offers cashback at, say, 0.5 percent, you will receive 50p back for every 100 you spend. Even though the prospect of receiving free money seems alluring, there are drawbacks.

For a limited time, like the first five months, credit card companies may offer alluring cashback rates. To get the most out of cashback credit cards, you need to be aware of two things: you have to pay off the entire amount each month, and it might be advantageous to use them for all of your purchases (though keep an eye out for credit card fees).

If you anticipate making an expensive purchase, the introductory cashback offers might be helpful. However, any cashback you receive may be eliminated if you carry a balance over just once due to the interest charge.

Cashback credit card companies usually have uncompetitive interest rates and may impose fees. Additionally, some have minimum spending requirements before you can earn cashback savings.

As with any credit card, make sure the card is the right one for you by carefully reviewing the terms and conditions and paying it off in full to avoid incurring interest.

Discover More about Lloyds Bank, American Express, Barclays, and Santander UK.