Best UK Cashback Credit Cards for 2026

Earns up to 1.25% cashback on all spending after an introductory period of 5% for the first 3 months (capped at £100). There's a £25 annual fee, but if you spend more than £2,000 a year, the cashback more than covers it. Amex isn't accepted everywhere, but it's increasingly common at major retailers and online.

0.5% cashback on all purchases with no annual fee. Also offers 0% on purchases for up to 15 months. It's lower cashback than Amex, but it's a Mastercard so it's accepted virtually everywhere. A solid everyday card for people who want simplicity.

Not technically a credit card, but Chase's debit card offers 1% cashback on all spending for the first 12 months. No credit check required since it's a debit card. Perfect for groceries and everyday spending. After 12 months, the cashback drops, but the round-up savings feature continues.

Use your cashback card for all regular spending: groceries, fuel, subscriptions, bills (where accepted). Set up a direct debit to pay the full balance every month — paying interest defeats the purpose entirely. Stack with shopping portals like TopCashback or Quidco for double cashback on online purchases. Track your cashback earnings quarterly to make sure the card is still worth it.