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Popular Search Terms

<Credit cards
Author
Salman Haqqi
Editor
Lucinda O'Brien
Fact checker
Rachel Wait
Last updated
October 24th, 2024
7 results found, sorted by popularity.

Virgin Money Everyday Cashback (27.9%)

Representative APR (variable)
27.9%APR
Account fee
£0
Cashback
0.25%
Representative example:
The standard interest rate on purchases is 27.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 27.9% (variable).

Virgin Money Everyday Cashback (24.9%)

Representative APR (variable)
24.9%APR
Account fee
£0
Cashback
0.25%
Representative example:
The standard interest rate on purchases is 24.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.9% (variable).

Santander All in One Credit Card

Representative APR (variable)
29.8%APR
Account fee
£3a month
Cashback
0.5%
Representative example:
The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.8% (variable). £3 monthly fee.
More Information
Additional information
  • 0% for 15 months on balance transfers, with no balance transfer fee.
  • 0% for 15 months on purchases.
  • No foreign transaction fees.
  • 0.5% cashback (up to £10 a month) on all your purchases.
  • £3 monthly fee
Eligibility
  • be a permanent UK resident
  • be 18 or older
  • minimum income of £10,500
  • have a good credit rating
  • must not be an existing Santander balance transfer credit card customer
  • additional criteria for acceptance from the lender may apply

Barclaycard Rewards - Excl

Representative APR (variable)
31.9%APR
Account fee
£0
Cashback
Up to0.25%
Representative example:
The standard interest rate on purchases is 31.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 31.9% (variable).
Award Winner

Amex® Cashback Everyday Card

Representative APR (variable)
30.7%APR
Account fee
£0
Cashback
5%for3months, then up to1%
Representative example:
The standard interest rate on purchases is 30.7% p.a. (variable), so if you borrow £1,200 the Representative APR will be 30.7% (variable).
More Information
Additional information
  • New Cardmembers get 5% cashback on your purchases (up to £125) for the first five months of Cardmembership. Terms and minimum spend apply. 18+, subject to status.
Eligibility
  • be 18 or older
  • have a current UK bank or building society account
  • have a permanent UK home address
  • have no County Court Judgements
  • additional criteria for acceptance from the lender may apply

Barclaycard Rewards Credit Card

Representative APR (variable)
28.9%APR
Account fee
£0
Cashback
Up to0.25%
Representative example:
The standard interest rate on purchases is 28.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 28.9% (variable).
More Information
Additional information
  • 0.25% cashback on all your spend
  • No fees on purchases abroad as long as you pay in the local currency then you won’t pay fees on non-sterling purchases
  • Register for Barclaycard Cashback Rewards and you can earn up to 15% cashback when you spend at a range of participating retailers. This is on top of the 0.25% cashback you’d get on everyday spend with the Barclaycard Rewards card. T&Cs apply.
Eligibility
  • be a permanent UK resident
  • be 21 years or over
  • not have had any Individual Voluntary arrangements, County Court Judgements and must not have been declared bankrupt
  • not already hold a Barclaycard credit card
  • best suited to customers with an income of £20,000
  • additional criteria for acceptance from the lender may apply
Get 5%* cashback on your purchases (up to £125)

Amex® Cashback Credit Card

Representative APR (variable)
36.3%APR
Account fee
£25
Cashback
5%for3months, then up to1.25%
Representative example:
The standard interest rate on purchases is 30.7% p.a. (variable), so if you borrow £1,200 the Representative APR will be 36.3% (variable).£25 annual fee.
More Information
Additional information
  • *New Cardmembers get 5% cashback for the first three months of Cardmembership.
  • 5% cashback in your first three months (up to £125)
  • 0.75% cashback on spending up to £10,000 and 1.25% cashback on spending over £10,000
  • No limit to the amount of cashback you can earn in a year
Eligibility
  • be 18 or older
  • have a current UK bank or building society account
  • have a permanent UK home address
  • have no County Court Judgements
  • additional criteria for acceptance from the lender may apply
Uswitch Limited is a credit broker, not a lender, for consumer credit.
Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

How does cash back work on credit cards?

Cashback works by giving a percentage of what you spend on your card back to you.

Card providers can do this thanks to something called the "interchange fee".

This is the fee that providers charge shops and other merchants in exchange for their services in sorting out the payment.

With a cashback card, some of that money goes to you as well as your card provider.

If a cashback credit card pays 1% cash back on everything you buy, you could earn £50 if you spend £5,000 a year.

While this might not seem like a lot, if there are no fees associated with the card, it's essentially free money.

Sometimes cashback is only offered on a few things you buy, like petrol or your energy bills.

There are also variations on the cashback offered based on how much you spend, what you spend it on and where the money is spent.

Finding the best cashback credit card for you

To find the best cash back credit card for you, you need to look beyond the headline rate.

For example, some of the credit cards offering the top cash back deals are only accepted in a few shops and services, such as American Express. This may mean you can’t use it for your regular shopping trips. 

You also need to look at your spending - if there are rewards based on how much you put through the card, or a fee attached, will you be using it enough to make it worth your while?

In some cases a rewards card offered by a supermarket might prove more lucrative than straight up cashback, for example.

Always make sure you pay your card balance in full with a cashback card."

FAQs

What are the different cashback offers and deals?

Not all cash back credit cards are the same. Cashback cards offer a range of different deals and rewards.

Some cash back credit cards will just pay you cashback as a flat rate. For example 2% on everything you buy.

Other cashback credit cards pay cash back at different levels when you spend more or less. For example, a cashback credit card may pay you 1% if you spend £5,000 a year on your credit card, and 2% cash back if you spend more than that.

Cashback credit cards can also offer different amounts of cash back for spending in different shops. A cash back credit card may give you 0.5% cashback on money you spend when you do your weekly food shop at a supermarket, but 1% when you buy things from a chain of electrical stores and 2% on all of your petrol purchases.

How Uswitch compares credit cards

What does ‘most popular’ and ‘popularity’ mean?

When we use the term ‘most popular or ‘popularity’ on Uswitch in reference to credit cards, these cards are ranked by the number of clicks they have received on the site in the past 30 days.

The most clicked on cards are at the top, with the least at the bottom. This reflects how popular they are with visitors to Uswitch.com. Consequently, this is a good table to look at if you’re interested in seeing which cards most people think are worth getting.

Does Uswitch compare all the credit cards on the market?

We compare over 100 credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK.

This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through Uswitch.

There are also many credit cards that are only available to people in member organisations and clubs.

Credit card guides

Find out more about how credit cards work with our in-depth guides
How many credit cards can you have?
How many credit cards can you have?
How to use a credit card
How to use a credit card
What are the differences between credit and debit card?
What are the differences between credit and debit card?
Find more guides here

About the author

Author imageSalman Haqqi - Senior Personal Finance Expert
Salman Haqqi - Senior Personal Finance Expert
Salman Haqqi has over a decade of experience as a journalist in several countries around the world. In recent years, he has turned his focus to helping people make confident financial decisions and regularly comments in the media about personal finance.

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