Skip to main content

Sign in

Enter your email and password below to access your account.

Not yet registered?

Patience, I'm meditating

Cashback Credit Cards

Balance Transfer Calculator


Rewards Credit Card
Barclaycard logo

0.25% on all your spend

No fee

Annual fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 22.9% (variable), representative 22.9% APR (variable). Credit available subject to status.


All in One Credit Card
Santander logo


on Purchases


Monthly fee

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 17.9% (variable), representative 23.7% APR (variable). Credit available subject to status. Monthly fee: £3.

  • Credit Cards
  • FAQs
  • Guides
  • Who we work with
  • Compare Cashback Credit Cards

    Can spending money actually make you money? The answer is yes, but only with a cashback credit card. These cards are designed for those looking to spend a large amount in a short time but are still able to make the monthly repayments down the line. This can allow you to earn money back, simply by using your credit card.

    What is a cashback credit card?

    A cashback credit card is fairly self-explanatory. As the owner of this credit card, you will earn a percentage of cash back on all purchases. This might be paid monthly or even annually depending on the lender. The best cashback credit card for UK spenders often comes with a great welcome offer to get you started.

    It’s worth discovering exactly how much you could potentially earn back from a cashback credit card before applying, as well as taking into consideration any welcome offers. Again, if you know you will be spending a lot of money in a short amount of time but would like to capitalise on this, a cashback credit card is the one for you.

    What is the best cashback credit card for me?

    You often need a good credit rating to apply for a cashback credit card and you will need to be strategic about how you use it, allowing you to benefit as much as possible. The following points are the most important:

    • Cashback percentage: This is the percentage amount that you will earn from using the credit card
    • Annual fee: There is sometimes an annual fee to pay on cashback credit cards. Make sure you’re at least earning more than this fee per year to make it worth your while
    • Welcome offers: Cashback credit cards will often come with an initially high percentage for a short amount of time (as much as 5% over 3 months), before dropping back down to a smaller percentage. The savvy spender will be aware of the timescale and perform the majority of their spending during this welcome offer period

    Feeling unsure about your cashback credit card options? Our moneymatcher comparison tool is a sure-fire way to find the right credit card for you. Simply enter a few personal details and off it goes! Not only is it free to use, but it doesn’t affect your credit score either.

    Our credit card providers

    We work with a huge range of providers to give you a wide selection of financial products, ensuring you can find a credit card that is right for you.

    Each provider is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    Our range of credit card providers will allow you to choose between different card types including 0% balance transfer, 0% purchase, rewards, credit builder, gold & premium, travel, air miles, low rate and cashback. Our moneymatcher comparison tool will allow you to narrow down your search and pick out the right credit card for you.

    Have a look at our provider pages to see our full list of credit card providers.

Witness the wisdom

How to use Money Guru

Money Guru is a comparer of loans, credit cards, mortgages, current accounts, savings and investments, business banking and business loans. With our moneymatcher you can narrow down your search and find the right option for you.

  • Use moneymatcher to check your eligibility
  • Compare the latest products and find the best option for you
  • A huge panel of lenders and providers to choose from
  • Wisdom articles and insights to help you make an informed decision
  • Check MyAccount to view your results at any time