Cashback credit cards have become one of the smartest ways for UK consumers to earn rewards on everyday spending. Whether it’s groceries, fuel, or online shopping, a good cashback card can put real money back into your pocket.
In this 2025 guide, we’ve reviewed the top 7 cashback credit cards available in the UK, comparing reward rates, annual fees, eligibility criteria, and special perks.
💡 Tip: If you apply through a comparison site or affiliate link, you might get exclusive welcome bonuses not available on the bank’s main website.
How Cashback Credit Cards Work
A cashback credit card gives you a percentage of your spending back as cash or statement credit.
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Typical cashback rates: 0.5% – 5%
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Payout frequency: Monthly or annually
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Best for: People who pay their balance in full each month (to avoid interest charges)
Best Cashback Credit Cards in the UK (2025)
1. American Express Platinum Cashback Everyday Card
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Cashback: 5% cashback for the first 3 months (up to £125), then up to 1.25%
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Annual Fee: £0
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APR: 31.0% representative variable
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Pros: Generous intro offer, no annual fee, widely accepted online
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Cons: Not accepted everywhere in UK physical stores
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Best For: Online shoppers and Amex-friendly retailers
2. Chase UK Current Account with Cashback
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Cashback: 1% cashback on all eligible spending for 12 months
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Annual Fee: £0
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APR: N/A (debit-based but works like cashback credit)
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Pros: Works on all purchases, great for daily spending
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Cons: Requires opening a bank account
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Best For: Everyday cashback without a credit check
3. Barclaycard Rewards Card
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Cashback: No foreign transaction fees + competitive rewards
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Annual Fee: £0
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APR: 28.9% representative variable
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Pros: Great for travellers, includes purchase protection
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Cons: Rewards are lower for UK-only users
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Best For: People who spend abroad or shop on international websites
4. Santander All in One Credit Card
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Cashback: 0.5% unlimited cashback
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Annual Fee: £3/month (£36/year)
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APR: 29.8% representative variable
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Pros: No foreign transaction fees, unlimited cashback
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Cons: Monthly fee eats into low spenders’ rewards
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Best For: Frequent travellers and higher spenders
5. Tesco Bank Clubcard Plus
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Cashback: Clubcard points worth up to 3% in Tesco vouchers
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Annual Fee: £7.99/month
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APR: 23.9% representative variable
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Pros: Excellent for Tesco shoppers, extra discounts
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Cons: Useless if you don’t shop at Tesco regularly
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Best For: Tesco loyalists
6. NatWest Reward Credit Card
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Cashback: 1% at supermarkets, 0.5% elsewhere
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Annual Fee: £24/year
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APR: 36.9% representative variable
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Pros: Boosted rewards on supermarket shops
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Cons: Lower cashback on other categories
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Best For: Families spending big on groceries
7. HSBC Cashback Credit Card
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Cashback: 1.5% on all purchases for the first 12 months, 1% thereafter
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Annual Fee: £0
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APR: 29.9% representative variable
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Pros: Strong intro cashback rate, no annual fee
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Cons: Requires good credit score
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Best For: First-time cashback card users with good credit
Tips to Maximise Cashback Earnings
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Pay Your Balance in Full – Avoid interest eating into your cashback.
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Match the Card to Your Spending Habits – Pick grocery-heavy cards if you shop at supermarkets often.
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Use Multiple Cards – Max out category-specific rewards by having more than one card.
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Track Special Offers – Some issuers give extra cashback during seasonal promos.
Common Mistakes to Avoid
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Carrying a balance (interest > cashback)
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Ignoring annual/monthly fees in the calculation
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Applying for too many cards at once (can hurt credit score)
Conclusion
The best cashback credit card for you in 2025 depends on your spending habits, preferred retailers, and travel needs. For most UK shoppers, the American Express Platinum Cashback Everyday Card offers the strongest combination of rewards and no annual fee — but heavy travellers might prefer Barclaycard Rewards or Santander All in One.