Please
note: The interest rates, APR calculations, charges,
awards and other conditions applying to credit cards on these
pages may be changed by the card providers at any time.
UK Cash Back Credit Cards
If your pay off you credit card every
month it can be difficult to find one issuer that attracts
your attention.0% offers, or low interest rates won't make
a difference to you as you never get charged interest anyway.
Reward / cashback based credit cards
offer the holder a reward -whether cashback or some sort
of points program.
These cards usually have a higher
interest rate than others and if you do carry a balance
the interest often outweighs rewards offered, then you could
save more money with a cheaper credit card.
Both cash back or points based cards
work in a similar way. For every pound you spend (excluding
balance transfers) you will be awarded a certain proportion
as cashback, or points, which can be redeemed in different
ways. Which card?
Compare rates online for a cheap UK credit card
Click on any of the cards below and
then select its name by scrolling the menu box.
We strongly recommend you then run a comparison
by selecting the default choice of "Any",
it may find you a far better deal . . .
Our pick of the best:
GM Platinum —
At a cashback reward the equivalent
of three per cent of the money you spend, and the ability
to redeem your points on GM products, like cars, for example,
it is a very lucrative card . . . if you want to own a Vauxhall.
There's a £2500 limit on awards,
but even so, that's a nice discount on a new car.
The card is issued by HFC Bank, which
is one of the biggest issuers in the UK. They have a 24
hour customer service line and you can manage account online.
Normally cards with strong reward schemes have high interest
rates, but the GM Card is one of the most competitive on
the market.
They offer an excellent rate of 0%
for 5 months, on balance transfers and on purchases. The
standard rate is only 14.9% APR.
Click on the
card below to compare . . .
American Express —
The American Express Blue credit
card is brought to you by American Express. Normally known
for their popular charge cards, Amex have now introduced
a credit card Blue.
With the backing of the American
Express reputation and offers of some decent benefits this
cared has improved the Amex offerings from a high priced
product to a much better value proposition. You also get
1% cash back on everything you spend, That's 1% cash back.
Not points, not discounts, not miles but real money.
Click on the
card below to compare . . .
Goldfish —
A Centrica/Lloyds TSB joint venture, Goldfish is one of the
UK's most popular credit cards. Goldfish has a great rewards
scheme and more than 1 million customers.
The card doesn't offer freebies.
For example, the balance transfer rate is 4.9% fixed for
6 months and the standard rate of 17.9%. This is one of
the higher amounts among UK cards.
Goldfish really comes into its own
is with its reward programme. Again, it's a card for those
who pay off monthly, and can then enjoy the benefits. Goldfish
rewards accrue on purchases from a wide range of shops including
John Lewis, Marks and Spencer, Boots, Dixons, Asda, Homebase
and WH Smith. You can also save you money off the TV Licence,
AA Membership and your British Gas electricity and gas bills.
The card also has a feature for identifying
the holder as an organ donor.
Click on the
card below to compare . . .
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