📌 What to Know Before Choosing a Cashback or Rewards CardBefore we dive into specific cards, here are a few things to keep in mind:Cashback vs rewards: Cashback gives you money back on spending, while rewards might give points that can be redeemed for travel, vouchers or other perks.Annual fees and APR: Cashback cards often have no annual fee, but the interest rate (APR) on unpaid balances can be high — so only use them if you can pay in full each month to avoid costly interest.Welcome bonuses: Some cards offer higher cashback or bonus points in the first few months after you sign up, which can be very valuable. �Forbes⭐ Top Cashback & Rewards Credit Cards UK (2026)🏆 1. American Express Cashback Everyday Credit CardWhy it’s great: One of the most popular cashback cards in the UK — no annual fee and a good ongoing rewards rate.Cashback structure:0.5% cashback on spending up to £10,0001% cashback on spending over £10,000 per yearBonus: 5% cashback (up to £125) for the first 5 months for new cardmembers.Best for: Everyday spending and big seasonal purchases.⚠️ Note: American Express isn’t accepted everywhere (some retailers don’t take Amex). �Forbes💳 2. American Express Cashback Credit CardCashback:0.75% on all spending up to £10,0001.25% on spending above £10,000Bonus: 5% cashback (up to £125) in the first 3 months.Annual fee: £25Best for: Cardholders who spend regularly and can justify the small annual fee with extra cashback.💡 Pro tip: Amex offers extra shopping perks and partner deals, which can add further value. �Forbes💰 3. Lloyds Ultra Credit CardCashback:1% cashback on purchases for the first 12 monthsThen 0.25% ongoingAnnual fee: £0Good to know: Cashback is typically paid as a lump sum once a year — a simple way to earn back money on daily purchases like groceries or bills. �Money To The MassesBest for: Straightforward cash reward without fees or complicated earning criteria.💷 4. Santander Edge & Santander All in One Credit CardsSantander Edge: Up to 1% cashback (capped at approx £10/month).Santander All in One:Around 0.5% cashback on purchases — plus balance transfer benefits.Annual fees: £48 or £36 (depending on plan).Best for: Regular spenders who want some rewards and added features. �Money To The Masses🛍️ 5. Barclaycard Rewards / Halifax / Lloyds Cashback CardsBarclaycard Rewards: ~0.25% cashback on everyday purchases with no annual fee.Halifax Cashback Credit Card: Similar no‑fee cashback rewards.Lloyds Bank Cashback Credit Card: ~0.25% cashback with no annual fee.Best for: Basic everyday cashback from major banks without fees or complicated conditions. �Mintify🛒 6. Retailer‑Focused Cards (Tesco & M&S options)Tesco Clubcard Credit Card: Earn Clubcard points (worth up to ~1p per £1) — potentially higher value when converted to vouchers or other rewards.M&S Credit Card: Earn points faster on clothing and food purchases.Note: These are technically reward cards; the value can depend on how you redeem your points. �buyerratings.co.uk🧠 Tips for Maximising Cashback & Rewards✅ Always pay your balance in full each month.If you don’t, the interest charges (often 20%+ APR) can wipe out your cashback earnings very quickly.💡 Use the right card for the right spending.For example, use a high‑cashback Amex for everyday purchases and a basic Visa/Mastercard for places that don’t accept Amex.📊 Compare deals before applying.Tools like MoneySavingExpert or comparison sites can show you cards you’re more likely to be accepted for without a hard credit check. �The Guardian📎 Final ThoughtsThe “best” card ultimately depends on your own spending habits and priorities:🎁 Best overall cashback: American Express Cashback Everyday Credit Card — great ongoing cashback and a strong welcome bonus.💼 Best for bigger earners: American Express Cashback Credit Card — slightly higher ongoing rewards if you spend more.💷 Best no‑nonsense option: Lloyds Ultra Credit Card — simple, no fee, and unlimited cashback for the first year.🛍️ Good alternatives: Barclays, Halifax, Lloyds standard cashback cards and retailer cards like Tesco/M&S for shoppers.Cashback and rewards cards can be a great way to get value back from everyday spending — just make sure to use them responsibly and avoid carrying a balance to keep costs down