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Finding the best cashback credit cards UK 2025 can feel like searching for a needle in a haystack. Fees, teaser rates and small print change faster than a London weather forecast. To save you the slog, we’ve dug into the small print and compared the perks, fees and typical credit-score ranges on five cards worth a closer look this month.
1. American Express Platinum Cashback Credit Card
Ongoing cashback: 0.75% on the first £10k each membership year, 1.25% above that.
Intro bonus: 5 % for the first 90 days (up to £125).
Annual fee: £25.
Likely score: Good–excellent (Experian ~ 700+).
Why it makes the cashback credit cards UK 2025 list: the high tiered rate after £10k still beats most rivals, making it ideal for larger annual spenders.
Also Read: https://wealthilyyours.com/how-i-went-from-0-to-934-999-on-experian-credit-score-in-the-uk/
2. American Express Cashback Everyday Card
Ongoing cashback: 0.5% up to £10k, 1% above.
Intro bonus: 5% for 3 months (cap £100).
Annual fee: £0.
Likely score: Good (~ 675+).
As a fee-free route into Amex rewards, it’s one of the easiest cashback credit cards UK 2025 for shoppers who want solid payback without counting pennies.
3. Santander Edge Credit Card
Cashback structure: 2% on groceries, petrol and public transport (up to £15/month); 1% elsewhere.
Monthly fee: £3.
FX charges: None.
Likely score: Fair – good (~ 650+).
Those category bumps make this Visa a strong all-rounder among the leading cashback credit cards UK 2025, especially if most of your budget goes on the weekly shop and fuel.
4. Barclaycard Rewards Visa
Rate: 0.25% on almost every transaction, domestic or abroad.
Fee: £0.
FX fee: 0 % worldwide.
Likely score: Fair – good (~ 640+).
Frequent travellers love it: zero foreign-transaction fees plus a sprinkle of cashbackkeeps this card on any savvy list of cashback credit cards UK 2025.
5. Chase UK Cashback Credit Card
Expected cashback: 1% flat on everyday categories (mirroring its current-account perk).
Fee: £0.
Promotional APR: 0% purchases for the first six months (launch offer).
Likely score: Good (~ 680+; Chase does its own soft-check).
Chase’s arrival in the credit-card arena means yet another digital player shaking up cashback credit cards UK 2025 with a no-fee, no-frills 1% proposition.
Also Read: https://wealthilyyours.com/how-to-boost-your-credit-score-in-the-uk/
Snapshot Comparison (June 2025)
| Card | Core Cashback | Intro Offer | Fee | FX Fee | Credit Score |
| Amex Platinum | 0.75–1.25% | 5% / 3m | £25 p.a. | 2.99% | 700+ |
| Amex Everyday | 0.5–1% | 5% / 3m | £0 | 2.99% | 675+ |
| Santander Edge | 1–2% | None | £3 pm | 0% | 650+ |
| Barclaycard Rewards | 0.25% | None | £0 | 0% | 640+ |
| Chase UK | ~1% | 0% purchases / 6m | £0 | 0% | 680+ |
Approximate Experian equivalents; card issuers use their own internal criteria.
Which Card Fits Your Wallet?
- Spend £10k+ yearly? Pay the Amex Platinum fee for the higher long-term rate.
- Moderate spender? The Amex Everyday stays free and competitive.
- Big grocery & fuel bill? Santander Edge’s 2% category cashback is hard to beat.
- Heading abroad? Barclaycard Rewards gives you 0% FX plus a little cashback.
- Fan of digital banking? Chase’s newcomer card aligns with its 1% debit cashback ecosystem.
Whichever option you choose, all five cashback credit cards UK 2025 come with section-75 purchase protection and can super-charge everyday spend, provided you clear the balance monthly.
Final Thoughts
The field of cashback credit cards UK 2025 is broader and more generous than ever. From Amex’s tier-topping rates to Santander’s high-category payback and Chase’s new flat 1%, there’s a card for every spending style. Check your eligibility with a soft search, weigh up fees versus rewards, and start turning routine purchases into real cash back today.
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