The best cashback credit cards are a fantastic way to earn money back on your everyday purchases. When you buy something using these cards, you can accumulate cashback, from groceries to travel and everything in between. Over a period of time, those rewards can really add up.
Here we’ll explore the best cashback credit cards on the market today. We’ll also show you how you can boost your rewards by linking your own cashback credit card with Curve, stacking multiple cashback rewards on top of each other for maximum benefits. It’s a great way to save when you shop.
Best cashback credit cards: maximize your rewards
When choosing a cashback credit card, you want to find one that gives you the best return on your spending habits. The best cashback credit cards available in the UK offer excellent rates and rewards for everyday purchases, and include:
1. Barclaycard Rewards card
Pros:
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0.25% cashback on all eligible purchases: You can rack up consistent rewards by using your Barclaycard Rewards Card for everyday purchases as well as big ones.
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No foreign transaction fees: Use the card overseas without worrying about additional charges.
Cons:
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Low cashback rate: although you’ll get consistent rewards for using the card, the cashback rate of the Barclaycard Rewards Card is towards the lower end of cards on the market.
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No additional rewards: You won’t be rewarded with enhanced cashback rates for spending on certain items like airfare, hotels etc.
A good cashback credit card for: those looking to consistently build up cashback rewards on each purchase. Although the earn rate is lower than some other cards on the market, a Barclaycard Rewards Card will reward you for everyday use so you’ll constantly see your points stack up by the day.
2. Chase UK card
Pros:
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1% cashback rate: Earn a good rate of cashback by spending on groceries, public transport or fuel in the UK.
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Earn up to £15 a month in cashback: This means you can earn up to £180 a year.
Cons:
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Reduced eligibility: From April 2025, Chase UK have reduced the variety of purchases on which you can earn cashback. They are now restricted to UK items only, with no cashback earned on overseas transactions.
A good cashback card for: Those looking to earn a relatively high rate of cashback from spending on groceries and transport. Anyone looking to earn points from overseas trips might wish to consider other cards.
3. Capital on Tap Business credit card
Pros:
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1% cashback rate: A competitive cashback earn rate that applies to all card spending.
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Uncapped cashback limit: No cap on how much cashback you can earn each month.
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Free Avios points conversion: New customers can convert their reward points to Avios points for additional travel perks.
Cons:
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Eligibility: Capital on Tap Business credit card is aimed at small business owners, so you will need to prove that you are running a business in order to be eligible.
A good cashback card for: small business owners who can prove their eligibility and take advantage of the excellent cashback rewards for everyday business expenses.
4. Halifax Cashback credit card
Pros:
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Earn cashback on all purchases: Earn 0.25% cashback on every purchase made with the card.
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No monthly or annual fees: You’ll stay in control of how much you spend each month.
Cons:
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Low earn rate: While you will earn cashback from day-to-day purchases on a Halifax Cashback credit card, the 0.25% earn rate is one of the lower ones on the market.
A good cashback credit card for: Those looking to earn rewards without worrying about costly monthly fees for owning the card. The Halifax Cashback credit card may have a lower earn rate than some of the other cards out there, but this is a budget-friendly rewards card nonetheless.
How Curve can boost your cashback earnings
Linking your cashback credit cards to Curve is one of the smartest ways to earn more rewards. Curve is a payment app and card that consolidates all your cards into one, allowing you to make payments using any linked card while earning rewards from each of them.
By using your cashback credit card from your Curve Wallet, you’ll not only earn cashback on that card – you’ll also stack Curve’s own cashback rewards on top of it, essentially doubling your savings. Using Curve, you can earn cashback on a whole range of additional partners including Amazon, Ikea, Uber, Tesco and more. This creates the perfect opportunity to increase your total cashback earnings.
Top credit card + Curve combos for maximum cashback
To truly get the most out of your cashback credit cards, consider these top combinations with Curve:
1. Barclays Avios + Curve
The Barclays Avios Credit Card offers up to 1 Avios point per £1 spent, but by linking it to Curve, you can earn additional cashback on every transaction. While the main focus of this card is on Avios points for flights, the cashback you earn through Curve on top of your card’s reward can be used for more travel-related rewards or other cash options, making it a great travel-focused choice.
2. Chase UK + Curve
Chase UK already offers competitive cashback rates, but by linking your card to Curve you can benefit from additional cashback rewards on your purchases. Curve makes it easy to access your Chase card’s cashback, while providing added convenience and flexibility with the ability to use other cards for higher rewards when needed.
3. Capital on Tap + Curve
The Capital on Tap Business Credit Card offers a good rate of cashback on all purchases, but combining this card with Curve gives you even more flexibility. Whether you’re using your card for business expenses or personal purchases, Curve allows you to easily track your spending while earning even more cashback, making this combination highly beneficial for business owners.
4. Halifax Clarity + Curve
If you’re someone who travels abroad frequently, the Halifax Clarity Credit Card is a great option for cashback on purchases, with cashback on all purchases. Link it to Curve, and you’ll earn even more cashback, while benefiting from Curve’s no foreign transaction fees when you make purchases abroad. This combination is perfect for those who want a reliable cashback option when traveling.
Enhancing the best cashback credit cards
When it comes to the best cashback credit cards, there are plenty of options available with different strengths and weaknesses. One thing they all have in common, however, is an ability to enhance their cashback rewards by linking them to Curve.
Whether you’re earning cashback for travel, business, or everyday purchases, combining your credit card with Curve offers more opportunities to boost your savings. So, if you want to get the most out of your cashback, consider pairing your best credit card with Curve and start earning even more rewards today!
