Best Cashback Credit Cards UK 2026
Cashback credit cards are one of the simplest ways to earn money from everyday spending. Used correctly, a good cashback card can return £200 to £500 per year.
Top Cashback Cards Compared
| Card | Cashback Rate | Annual Fee |
|---|---|---|
| Amex Platinum Cashback Everyday | 5% intro then 0.5–1% | None |
| Amex Platinum Cashback | 5% intro then 1–1.25% | £25/year |
| Chase Bank UK | 1% on everything | None |
| Santander All in One | 0.5% everywhere | £3/month |
| Asda Money Credit Card | 1% at Asda, 0.3% elsewhere | None |
Best Overall: American Express Platinum Cashback Everyday
No annual fee means every penny of cashback is pure profit. The 5% introductory rate on the first £2,000 of spending in the first three months gives you up to £100 immediately. After that, you earn 0.5% on spending up to £10,000 per year and 1% above that.
Best Flat Rate: Chase Bank UK
Chase pays 1% cashback on virtually all purchases with no annual fee and no spending caps. It is the simplest cashback card in the UK. For someone who wants one card that does everything without any complexity, Chase is excellent.
Maximising Your Cashback
Use your cashback card for everything you would normally buy and pay the full balance off every month. Some people use multiple cards: an Amex for most purchases and a Visa or Mastercard for places that do not accept Amex.
Watch Out For
- Cashback cards are only worthwhile if you never pay interest
- American Express is not accepted everywhere — always carry a backup card
- Introductory rates expire, so know what the ongoing rate will be
Rates correct as of April 2026. Always check current offers before applying.