Best Cashback Cards in the UK

Cashback credit cards are a smart way to get rewarded for your everyday spending. Whether it’s your morning coffee, your train to work, or your weekly grocery shop—getting money back for spending you were already doing is a win.

But what if you could earn even more—without changing your bank, your card, or your habits?

That’s where Curve Pay comes in.

Let’s break down the best cashback cards in the UK and show how Curve Pay lets you double your rewards with zero effort.

Best Cashback Credit Cards in the UK

1. Chase UK Current Account

• Cashback: 1% on selected purchases (for 12 months)
  
  

• Annual fee: £0
  
  

• Strength: Instant cashback on everything
  
  

• Limitations: Cashback ends after first year
  
  

2. Barclaycard Rewards Credit Card

• Cashback: 0.25%
  
  

• Foreign spend: No exchange rate fees
  
  

• Strength: Great for travel and daily use
  
  

• Limitations: Lower cashback rate
  
  

3. Santander Edge Credit Card

• Cashback: 2% on groceries and fuel (up to £15/month)
  
  

• Annual fee: £36
  
  

• Strength: Category-specific rewards
  
  

• Limitations: Monthly cap and tighter terms
  
  

The Catch with Traditional Cashback Cards

Even the best cashback cards have trade-offs:

• You have to remember which card earns the most for each category
  
  

• Some have caps, restrictions, or expiry windows
  
  

• You’re locked into using just one card at a time
  
  

• You can’t stack rewards across multiple providers
  
  

That’s where Curve Pay steps in

Curve Pay Makes Your Cashback Cards Work Harder

Curve Pay isn’t a cashback card—it’s a smart digital wallet that connects all your Visa and Mastercard debit and credit cards in one app. It then adds cashback rewards on top, without changing how or where you shop.

1. Double Dip Your Cashback

• Earn cashback from your existing debit or credit card
  
  

• Earn additional cashback through Curve Rewards (up to 20% at selected brands)
  
  

• No need to choose—Curve Pay stacks them for you
  
  

2. Use All Your Cards From One Wallet

Curve Pay supports every major Visa and Mastercard card from UK and EEA banks, including:

• Chase, Barclaycard, Santander, NatWest, Monzo, Starling, Lloyds, and more
  
  

• Debit and credit cards
  
  

• Business and personal accounts
  
  

You don’t lose rewards. You gain flexibility.

3. Automate Cashback Optimisation

With features like Go Back in Time, Curve Pay lets you:

• Reassign a purchase to a better cashback card after you’ve paid
  
  

• Clean up spending errors
  
  

• Get the most out of each transaction—even if you forgot in the moment
  
  

Curve Pay vs Traditional Cashback Cards

TL;DR – Maximise Cashback with Curve Pay

• Curve Pay works with all your Visa and Mastercard cards
  
  

• You continue earning your card’s cashback—without losing a penny
  
  

• Then Curve Pay adds its own rewards layer on top
  
  

• It’s a smarter way to spend, save, and simplify your money
  
  

All your cards. None of the compromise. More cashback.