Best Credit Card Cashback Rates - Rewards and Cash Back Credit Cards Creditseeker.co.uk

Credit Card Cashback & Reward Deals

If you're a conscientious credit-card user, who pays off their balance in full each month, interest rates are irrelevant as you won't be paying interest. Instead you need to select a card which will reward you for spending on your flexible friend.

Cashback credit cards give you a cash reward every time you use your card, the cash amount can range from 0.01% to 3% of your purchase, depending on the card you choose. During the course of a year this can add up to a substantial sum of money, which is all the more satisfying as it's essentially free cash for the spending you do normally!

In order to benefit from a cashback card you need to be diligent and must pay off the balance, in full, each month and ensure you do not incur any penalties for late payment or you will negate any cashback earned in charges.

Other reward schemes available include benefiting from shopping vouchers, flights, loyalty points or days out.

Below is a summary of some of the market leading rates. The best cash back cards pay as much as 3% back on purchases.

Credit Seeker - Search Results

Credit Card Click card for more details or to apply	Promotional Rate for Balance Transfers (Balance transfer fee rates in brackets)	Promotional Rate for Purchases	Representative APR (variable)
Capital One World MasterCard Capital One, Trent House, Station Street, Nottingham, NG2 3HX	19.9% (no fee)	19.9%	19.9%
	Earn 5% cashback on purchases for the first 3 months Suitable for applicants with a perfect credit rating and an annual income of over £20,000 Earn 5% cashback on purchases for the first 3 months (max £100) and up to 1.25% unlimited cashback thereafter
	Representative Example 19.9% APR representative variable 19.94% p.a. variable on purchases £1,200 credit limit

American Express Platinum Cashback	-	14.0%	18.5%
	Earn 5% cashback for the first three months up to a maximum of £100 plus 2.5% cashback in the anniversary month when you spend £10,000 a year £25 annual fee Up to 5% cashback on purchases
	Representative Example Representative 18.5% APR variable. Based on annual fee of £25 and assumed credit limit of £1200. Interest rate for purchases: 14.0% p.a. variable

British Airways American Express	-	19.9%	19.9%
	Get 9,000 bonus Avios when you spend £1,000 on your card within the first 3 months Earn 1 Avios for virtually every £1 you spend. Avios can be redeemed for flights, hotels, car hire, holidays and experiences
	Representative Example 19.9% representative APR variable 19.9% p.a.variable on purchase £1,200 credit limit

Capital One Click Capital One, Trent House, Station Street, Nottingham, NG2 3HX	9.9% (no fee)	9.9%	9.9%
	If you love shopping online, the Click Card is designed for you Suitable for applicants with a very good credit rating and an annual income of over £20,000 This card gives you access to exclusive brand discounts when you use it to shop online. New deals and retailers are added every quarter which are valid for a 3 month period
	Representative Example 9.9% APR representative variable 9.94% p.a. variable on purchases £1,200 credit limit

Virgin All Round	0% for 16 months (1.99% - min £3)	0% for 6 months	15.8%
	Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more
	Representative Example 15.8% representative APR variable 15.8% p.a.variable on purchase £1,200 credit limit

Virgin	0% for 20 months (2.99%)	0% for 3 months	16.8%
	Cardholders can take advantage of exclusive instant savings across the Virgin group with discounted holidays, wine, gym membership, experience days and more
	Representative Example 16.8% representative APR variable 16.8% p.a.variable on purchase £1,200 credit limit

AA Credit Card	0% for 12 months (3% - min £3)	0% for 10 months	16.9%
	Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
	Representative Example 16.9% representative APR variable 16.9% p.a.variable on purchase £1,200 credit limit

Play.com MBNA Europe Bank Limited Stansfield House, Chester Business Park, Wrexham Road, Chester, CH4 9QQ	0% for 6 months (1.5% - min £3)	0% for 9 months	16.9%
	Receive 1,500 bonus Play Points if you spend £150 on your card within the first 90 days Suitable for homeowners with a good credit history, aged at least 23 and in full time employment Collect Play Points and redeem them for Play.com gift vouchers. Earn 2 points for every £1 you spend at Play.com and 1 point for every £1 you spend elsewhere
	Representative Example 16.9% APR representative variable 16.9% p.a.variable on purchase £1,200 credit limit

NatWest YourPoints World	0% for 13 months (2.9% - min £5)	0% for 13 months	17.9%
	Introductory 2,500 bonus points to all new customers The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
	Representative Example Representative 17.9% APR (variable) based on an assumed credit limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable).

RBS YourPoints World	0% for 13 months (2.9% - min £5)	0% for 13 months	17.9%
	Introductory 2,500 bonus points to all new customers The card gives you one reward point for every £1 you spend. Bonus points are also gifted on a yearly basis thereafter. Points can be redeemed against flights, holidays, shopping vouchers and experiences and at retail outlets including Marks & Spencer, Boots, easyJet, Harvey Nichols and Amazon
	Representative Example Representative 17.9% APR (variable) based on an assumed credit limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable).

AA Balance Transfer	0% for 16 months (2.9%)	0% for 3 months	17.9%
	Earn AA Rewards Points on all purchases plus double points on fuel and motoring spend Collect AA Rewards Points and exchange them for a range of motoring products and services. Earn AA Reward Points every time you spend. Collect 1 AA point for every £1 you spend with double points on fuel and motoring purchases. Use your points to purchase from a range of motoring products and services
	Representative Example 17.9% representative APR variable 17.9% p.a.variable on purchase £1,200 credit limit