This card has been taken off the UK market. Check out our up-to-date list of the best cash back cards.
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This card is simple and consistent and is one of the best cash back cards there is. It pays 1% unlimited cash back on everything and there are no annual fees. You also get the benefits of it being a widely accepted MasterCard.
As with the Capital One card mentioned earlier, acceptance criteria is strict. You have to have an excellent credit rating, earn £20k a year and be a homeowner.
This table shows the cash back you’ll get with varying levels of annual spend:
| Annual spend | £3,000 | £5,000 | £10,000 | £20,000 |
|---|---|---|---|---|
| Year one cashback | £30 | £50 | £100 | £200 |
Here’s the eligibility criteria for this card as per Capital One’s website:
We’re more likely to accept you if:
- You have credit card balances of less
than £10,000 - You’re aged 21 or over
- You’re a home owner
- You have an income of more than
£20,000 p.a.
We’re not likely to accept you if:
- You have missed repayments in the past
- You’ve never had credit in the
UK before - You’ve had any CCJs or defaults
