{"id":63591,"date":"2017-11-16T12:57:21","date_gmt":"2017-11-16T12:57:21","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=63591"},"modified":"2026-02-13T09:02:51","modified_gmt":"2026-02-13T09:02:51","slug":"cashback-credit-cards","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/cashback-credit-cards","title":{"rendered":"Compare the best cashback credit cards"},"content":{"rendered":"

Approval for any credit card depends on your status. The representative APRs shown represent 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. Most of the data in Finder's comparison tables is provided by Defaqto.<\/p><\/div><\/article>

Top cashback credit cards for intro bonus: May 2026<\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Rank<\/th>\nProduct<\/th>\nIntro bonus<\/th>\nIntro bonus details<\/th><\/tr>\n<\/thead>\n
1<\/th>\nAmex\u00ae\u00a0Cashback Credit\u00a0Card<\/td>\n5%<\/td>\nGet 5% cashback on your purchases (up to \u00a3125) for the first 3 months of Cardmembership. New Cardmembers only. Terms apply. 18+, subject to status.<\/td><\/tr>\n
2<\/th>\nAmex\u00ae Cashback Everyday Credit\u00a0Card<\/td>\n5%<\/td>\nWelcome offer: Get 5% cashback on your purchases (up to \u00a3125) for the first 5 months of Cardmembership. Terms and minimum spend apply. 18+, subject to status.<\/td><\/tr>\n
3<\/th>\nVirgin Money Everyday Cashback<\/td>\n1%<\/td>\n1% after \u00a31 of monthly spend for introductory period of 3 months. 0.25% on \u00a31 to \u00a36000 of monthly spend. Maximum of \u00a315 cashback paid per month. Cashback paid Monthly into Bank Account. Earn up to 15% cashback on participating Retailers, registration via mobile app required.<\/td><\/tr>\n<\/tbody>\n<\/table>

What are cashback credit cards?<\/h3>

Cashback credit cards earn you cash in proportion to the amount you spend on them. This is known as your \u201cearn rate\u201d. A card that rewards you with \u00a31 for every \u00a3100 you spend would have an earn rate of 1%, for example. <\/p>

Higher earn rates are typically offset by an annual card fee \u2013 but this could be worth paying depending on how much you plan to use the card and therefore how much cashback you think you\u2019ll get over the year.<\/p>

Earn rates aren\u2019t as high as they were a few years ago, and there are fewer cashback credit cards around. But there are some tasty intro bonuses up for grabs, from elevated earn rates for a set period of time to one-off lump sums \u2013 provided you meet the minimum spend requirements.<\/p>

Some cards only offer the occasional opportunity to earn cashback when you spend with a specific brand they\u2019ve partnered with, but dedicated cashback cards usually let you earn money back on every purchase. <\/p>

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How do cashback cards work?<\/h3>

A cashback credit card gives you cash rewards on pretty much all your spending, usually in the form of credit on your account. Cashback offers vary between credit cards and sometimes even an individual card can have multiple earn rates that apply depending on where you spend. Some cashback credit cards also offer an introductory \u201csign-up\u201d bonus as a sweetener.<\/p>

In fact, there are three main ways you can earn cashback on your credit card purchases, which we\u2019ve outlined here:<\/p>

  1. Instant cashback when you make an eligible credit card purchase.<\/strong> For example, if you make a credit card purchase of \u00a31,000 and there is a 2% cashback promotion, the credit card provider will give you \u00a320 back.<\/li>
  2. Cashback promotional offers on sign up.<\/strong> Some cards have a cashback promotion for new customers. These offers usually require you to apply before a set date and spend a specific amount within the first few months of having the card.<\/li>
  3. Cashback via a credit card rewards programme.<\/strong> As well as using points for flights or merchandise, some credit card rewards programmes give you the option to redeem your points for cash added back to your account.<\/li><\/ol>
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    \n \n \n <\/path>\n <\/path>\n <\/svg>\n <\/span>\n Must read: Is there a catch?<\/span>\n <\/h4>\n
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    There are a few catches to know about. As with other reward credit cards, you need to meet the spending requirements or eligibility requirements to earn cashback. For example, cashback may only be earned on \u201celigible purchases\u201d, with common exclusions including cash advances, balance transfers and refunded purchases. Some cashback credit cards may also cap or limit the amount of money you can earn per month or year. Make sure you read the card\u2019s Product Disclosure Statement for more information.<\/p>\n <\/div>\n <\/div>\n<\/div>\n

    How to choose cashback credit cards<\/h3>

    \"ccf-cashback-250x250\"Here are the key details to look at when you\u2019re comparing different cashback credit card options:<\/p>