Tandem Cashback Credit Card review

Last updated:  

This card is no longer available, but you can use this page to compare alternatives.

As of December 2019, this card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to browse the range of credit cards currently available from Tandem and to compare similar cards from other issuers.

Finder rating: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).

18.9%

Representative APR

0%

Foreign transaction charge

£0

Account fee

Earn 1p

per £2 spent

Details

IssuerTandem Bank
NetworkMastercard
Rep. APR18.9% (variable)
Annual/monthly fees£0
Loyalty schemeCashback
Cashback details0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account.
IncentiveEarn cash back on all purchases over £1 worldwide.
Purchases18.9%
Purchases interest-free period (days)56

Expert review

Chris Lilly

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

Aimed at millennials who like to travel, Tandem’s Cashback Credit Card doesn’t charge any extra fees on purchases you make abroad. Plus, unlike some cards touting no fees overseas, interest is charged on these transactions as normal – so if you clear your balance in full each month, transactions at home and overseas will benefit from the card’s grace period of up to 56 days of 0% interest on purchases.

Tandem even pays out cashback on non-sterling transactions. There are a couple of notable exemptions to the cashback, however, which are noted in the card’s terms and conditions. These include purchasing currency, gambling transactions and cash advances.

There’s no monthly or annual fee to worry about. However, for those who take cash out regularly, don’t forget that while cash withdrawals abroad don’t incur a fee, you will be charged a percentage-based fee for taking cash out in the UK. No matter where you withdraw cash using this card, you’ll be charged interest on these funds from the day they leave your account, as such it’s still better to avoid using the card in this way if possible.

Tandem credit cards

Table: sorted by representative APR, promoted deals first
Updated February 27th, 2020
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Representative example
Tandem Bank Journey Credit Card Mastercard
24.9%
£0
Min. limit £500, max. limit £1,500.
24.9% (variable)
No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).

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Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

How does this card compare with other cashback cards?

Table: sorted by representative APR, promoted deals first
Updated February 27th, 2020
Name Product Max. intro bonus Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
American Express Platinum Cashback Everyday Card
£100
1% cashback
£0
22.9% (variable)
5% on £1 to £2000 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
American Express Platinum Cashback Card
£125
1.25% cashback
£25 per annum
28.2% (variable)
5% on £1 to £2500 of yearly spend for introductory period of 3 months. 1% on £1 to £10000 of yearly spend. 1.25% after £10001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback (max £125).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £25 per annum, your representative rate is 28.2% APR (variable).
AIB Visa/Mastercard Option 1
£25
0.5% cashback
£0
18.9% (variable)
0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
smile Classic Credit Card Visa
N/A
0.25% cashback
£0
19.9% (variable)
0.25% after £1 of monthly spend. Cashback paid Monthly into Card Account.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Santander All in One Credit Card Mastercard
N/A
0.5% cashback
£3 per month
21.7% (variable)
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).
Barclaycard Rewards Visa
0.5% of all spend in first 3 months
0.25% cashback
£0
22.9% (variable)
0.25% after £1 of yearly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Vitality American Express Credit Card
Vitality American Express Credit Card
N/A
1% cashback
£0
36.7% (variable)
0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. Must spend £3K annually to earn cashback. Earn between 0-2% additional cashback on first £1K spend each month. Cashback booster rate is based on number of eligible Vitality products held and monthly activity points earned two months prior.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 36.7% APR (variable).
Santander World Elite Mastercard
N/A
0.5% cashback
£15 per month
49.8% (variable)
0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).

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Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0203 370 0970), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Tandem Cashback Credit Card

If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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2 Comments

  1. Default Gravatar
    kenadell
    September 28, 2019

    Can you have a secondary card for your partner and will it earn cash back?

    • Avatarfinder Customer Care
      Tom
      October 2, 2019

      Hi Ken,

      Thanks for your question. Unfortunately Tandem does not currently offer the option of additional cardholders on its credit accounts. According to Tandem, this service may be offered in future, so it’s worth getting in touch with Tandem so that you can be notified when you’re able to get an additional card.

      Regards,

      Tom

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