Best Cashback Credit Cards 2025 list for UK and USA: Cashback credit cards offer an easy way to make your spending work for you. By simply using your card for everyday purchases, you can accumulate rewards that put money back in your pocket. But not all cashback cards are created equal. Whether you’re in the UK or the U.S., finding the best cashback credit card can maximize your rewards and savings.
How to Choose the Right Cashback Credit Card
When it comes to choosing the best Cashback Credit card, it’s all about your spending habits. Here’s how to decide:
- Analyze Your Spending: Do you spend a lot on groceries, travel, or dining out? Pick a card that rewards you in the categories where you spend the most.
- Check for Annual Fees: Some cards offer higher cashback rates but charge an annual fee. Ensure that the cashback you earn will outweigh the fee, or opt for a no-annual-fee card.
- Look for Bonuses: Many cards offer enticing sign-up bonuses. If you plan to spend a significant amount in the first few months, you could snag hundreds in bonus cashback.
- Foreign Spending: If you travel frequently, opt for a card that doesn’t charge foreign transaction fees and rewards international purchases.
Also check out our Credit Cards Guide if you are not sure about which card type you are looking for or even our Rewards Credit Cards Guide as many often mix up rewards and cashback cards.
Here’s a breakdown of some of the top cashback credit cards in the UK and U.S. for 2025 and how you can choose the right one for your lifestyle.
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Top UK Cashback Credit Cards
1. American Express Platinum Cashback Everyday Credit Card
- Cashback Rate: 5% cashback on purchases (up to £125) for the first five months. After that, 0.5% cashback on spending up to £10,000 per year, and 1% cashback on spending over £10,000.
- Annual Fee: £0
- Bonus: High introductory cashback and no annual fee.
- Why It’s Great: Excellent for everyday spending, especially in the first five months. No annual fee and strong ongoing rates for higher spenders.
Apply for American Express Platinum Cashback Everyday
2. American Express Platinum Cashback Credit Card
- Cashback Rate: 5% cashback (up to £125) in the first three months. After that, 0.75% cashback on spending up to £10,000 per year, and 1.25% cashback on spending over £10,000.
- Annual Fee: £25
- Bonus: Generous introductory cashback and higher ongoing rates for big spenders.
- Why It’s Great: Market-leading cashback for those who spend over £10,000 a year, plus valuable Amex perks.
Apply for American Express Platinum Cashback
3. Santander Edge Credit Card
- Cashback Rate: 2% cashback on all purchases (up to £15/month) for the first year, then 1% cashback (up to £15/month) after.
- Annual Fee: £36 (£3/month)
- Bonus: Consistent cashback on all spending; capped monthly.
- Why It’s Great: Strong flat cashback rate, especially in the first year, for Santander current account holders.
4. Barclaycard Rewards Credit Card
- Cashback Rate: 0.25% cashback on all spending (double cashback for new applicants until September 2025).
- Annual Fee: £0
- Bonus: No foreign transaction fees; double cashback promo for new cardholders.
- Why It’s Great: Fee-free, simple cashback on all spending, and ideal for use abroad.
Top Cashback Credit Cards in the U.S.
1. Chase Freedom Unlimited®
- Cashback Rate: 1.5% on all purchases, 3% on dining, drugstores, and travel purchased through Chase Ultimate Rewards® (up to 5% in select categories).
- Annual Fee: None.
- Bonus: Earn an additional 1.5% cashback on all purchases (up to $20,000) in the first year.
- Why It’s Great: Offers elevated cashback on popular spending categories and a fantastic bonus for new cardholders, making it a versatile choice for anyone.
Apply for Chase Freedom Unlimited®
2. Discover it® Cash Back
- Cashback Rate: 5% on rotating categories (like grocery stores, gas stations, and Amazon.com) up to $1,500 each quarter (activation required); 1% on all other purchases.
- Annual Fee: None.
- Bonus: Discover matches all the cashback you’ve earned at the end of your first year.
- Why It’s Great: Great for savvy shoppers who can plan their spending around rotating categories, plus an incredible first-year cashback match.
Apply for Discover it® Cash Back
3. Capital One Quicksilver Cash Rewards
- Cashback Rate: 1.5% cash back on all purchases, no categories to track.
- Annual Fee: None.
- Bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months.
- Why It’s Great: Simple, flat-rate rewards perfect for those who want straightforward cash back on everything they buy.
Apply for Capital One Quicksilver
4. Capital One SavorOne Cash Rewards
- Cashback Rate: 3% cash back on dining, entertainment, groceries, and popular streaming services; 1% on all other purchases.
- Annual Fee: None.
- Bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months.
- Why It’s Great: Ideal for foodies and entertainment lovers who want to maximize rewards without paying an annual fee.
Apply for Capital One SavorOne
5. Capital One Savor Cash Rewards
- Cashback Rate: 4% cash back on dining and entertainment, 3% at grocery stores, 1% on all other purchases.
- Annual Fee: $95.
- Bonus: Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months.
- Why It’s Great: Industry-leading rewards for dining and entertainment, great for those who spend heavily in these categories and can offset the annual fee.
Maximizing Your Cashback Earnings💰📈
Once you’ve chosen your card, it’s time to maximize your cashback:
- Use Your Card for Everyday Purchases: From groceries to bills, put as many expenses on your card as possible to build up cashback.
- Leverage Bonus Categories: Cards like the Discover it® Cashback or Chase Freedom Unlimited® offer rotating bonus categories—plan your spending to match these categories to earn even more cashback.
- Pay Your Bill in Full: Always pay off your balance in full each month to avoid interest charges that could eat into your cashback rewards.
Final Thoughts
Whether you’re in the UK or the U.S., a cashback credit card is one of the simplest ways to get rewarded for your spending. With so many options available, take the time to pick the card that best aligns with your financial habits. Focus on the cashback rate, bonus categories, and additional perks like sign-up bonuses or travel rewards. Once you find the right card, you’ll be on your way to earning money back on everything you buy.
So, which cashback credit card will you choose to boost your savings in 2025?
By targeting your search for the best cashback credit cards, you can find the perfect fit for your spending habits—whether you’re racking up points in the U.K. or the U.S.