Credit Card Cash Back

Most cards now come with a range of extras to entice you into spending more on the card, the most popular incentive being cashback. A proportion of your spending (normally 0.5 to 1%) is returned to you in cash. For example if you purchased something for £100 using a credit card offering 1% cashback, you would get £1 back. The amount is added up and paid annually, usually on the anniversary of the account opening date.

To really benefit from a cash back credit card, you must pay off your balance in full each month. By doing so the card company will not make any money from you in interest charges, instead you'll be earning extra money for spending on your card. If you don't normally pay off your balance in full each month, the cashback gained will be dwarfed by the interest charged – in which case you should consider signing up for a low-interest credit card instead.

1st 4 Credit Cards - Search Results

	Credit Card	Cashback Rates
	Egg	Cash back at selected online retailers
	Express Rewards	Earn up to 3 points for every £1 spent at major UK supermarkets, 2 points for every £1 at UK department stores and 1 point for every £1 elsewhere. Exchange points for gift vouchers at favourite high street stores and online retailers
	Capital One World MasterCard	1% cashback on all purchases plus £10 bonus credit every January
	American Express Platinum Cashback	Up to 5%

Interest rates quoted are the standard or typical APR.
Some card issuers will assess your personal circumstances to determine the interest rate available to you. This may result in you being offered a credit card with a different rate than quoted.