Cashback credit cards are one of the easiest ways to earn money on everyday purchases. Whether you’re buying groceries, paying bills, or shopping online, the right card can put money back in your pocket. In 2025, the UK market is more competitive than ever, offering high cashback rates, sign-up bonuses, and additional perks for savvy consumers. In this guide, we’ll show you the best cashback credit cards available and how to maximise your rewards.
What to Look For in a Cashback Credit Card
Before applying, it’s important to understand what makes a cashback card valuable:
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Cashback Rates: Look for cards offering high rates on categories you spend most on, such as groceries, fuel, or online shopping.
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Annual Fees: Some cards charge fees, so compare the rewards with the cost. Many high-reward cards have no annual fees.
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Interest Rates: Paying off your balance each month avoids interest charges that can negate cashback benefits.
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Sign-Up Bonuses: Many cards offer upfront bonuses if you spend a certain amount within the first few months.
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Additional Perks: Some include travel insurance, purchase protection, or partner offers.
Top 5 Cashback Credit Cards in the UK 2025
1. American Express Platinum Cashback Everyday
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Cashback: Up to 5% in the first 3 months, 1–2% ongoing.
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Annual Fee: £0.
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Pros: High initial cashback, no fee, flexible rewards.
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Cons: Must pay balance in full to avoid interest.
2. Santander 123 Credit Card
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Cashback: Up to 3% on bills and groceries.
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Annual Fee: £24.
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Pros: Extra rewards on key spending categories, balance transfer options.
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Cons: Annual fee may offset cashback for low spenders.
3. Halifax Cashback Credit Card
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Cashback: 0.5–1% on everyday spending.
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Annual Fee: £0.
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Pros: Simple, straightforward cashback, no hidden costs.
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Cons: Lower rates than premium cards.
4. Tesco Bank Clubcard Credit Card
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Cashback: Up to 5% in Tesco stores.
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Annual Fee: £0.
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Pros: Great for regular Tesco shoppers, Clubcard points convert to rewards.
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Cons: Limited cashback outside Tesco.
5. Barclaycard Cashback Credit Card
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Cashback: 0.25–1% on all spending.
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Annual Fee: £0.
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Pros: No fee, easy to manage, compatible with mobile wallets.
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Cons: Lower cashback rate for high spend categories.
How to Maximise Your Cashback Rewards
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Use Cards for Everyday Spending: Groceries, fuel, and utilities often earn higher cashback.
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Pay in Full Each Month: Avoid interest charges that wipe out rewards.
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Track Special Offers: Many cards have rotating categories or limited-time promotions.
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Combine with Loyalty Programs: Use store points, apps, or reward programs alongside your cashback card.
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Monitor Spending: Avoid overspending just to earn rewards—only spend what you normally would.
Conclusion
Choosing the right cashback credit card in the UK for 2025 can help you save hundreds of pounds each year effortlessly. Consider your spending habits, compare rewards, and apply for a card that fits your lifestyle. By using the affiliate links above, you can access the latest offers and start earning cashback immediately.