Cashback credit cards

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What is a cashback credit card?

With a cashback credit card you can earn money while you spend money on the card. It works on a reward program where a percentage of the amount spent on the credit card is paid back to you (in the form of a credit on the card balance), as the card user.

Some cashback credit cards offer short-term introductory cashback of up to 5%, which usually drops to around 1% on purchases, while some consistently offer 1-2% throughout the life of the card.

Some cashback credit cards pay you monthly, some annually, which means a longer waiting time before you can get your hands on it. Cashback can be offered as a flat rate across all purchases or as different percentages depending on where you shop, for example a supermarket, a petrol station or a department store.

How to get a cashback credit card

To help make sure your application is not turned down, it may be worth taking a few basic steps in preparation.

Review your existing credit, and ensure that your accounts are well managed, for example your mobile phone account and utility bills. This could help show lenders that you can pay bills responsibly and on time.

Make sure that there are no errors in your credit report and that it contains all up to date, accurate information.

When comparing cashback credit cards, bear in mind that with some cards you will incur an annual fee. Using a comparison site like can help you compare cashback credit card deals and find the ones you’re more likely to be accepted for. If you compare cashback credit cards before you apply, it will leave a soft search on your credit report that lenders won’t be able to see. This will not affect your credit score either.

How to make the most of a cashback credit card

Setting up a direct debit to pay your monthly cashback credit card bill in full can help make sure you don’t forget to make your repayments.

If you can, paying in full every month can help ensure that you enjoy the benefits of the cashback credit card without having to pay interest on what you have spent.

Try not to add to your existing debt while paying off your cashback credit card and familiarise yourself with any charges and fees. For example, high interest rates often apply if you use your cashback card to withdraw cash.

Helping find the right deal for you

Experian CreditMatcher uses your credit information - as well as information you provide about your requirements and financial circumstances - to show you products that are matched to you.

This means you can see a list of credit products that you are more likely to be accepted for, and as it is a ‘soft search’ only you can see it on your credit report. For a credit product search that matches your credit information just visit .

Experian CreditMatcher does not give advice on the suitability of products to customer’s needs. If you would like to get help on which products suit your needs, it is best to seek help from a financial adviser.