Below are the lowest fee cashback credit cards (updated 06.03.2026)
| Card | Annual Fee | Representative Example | Cashback Terms |
|---|---|---|---|
| American Express Cashback | £25 | Representative 35.0% APR variable. Based on assumed credit limit of £1,200. Interest rate for purchases 29.4% p.a. variable. | 0.75% cashback on spend up to £10k per annum – 1.25% for £10,001 plus |
| Amex Everyday Cashback | N/A | Representative 29.4% APR variable. Based on assumed credit limit of £1,200. Interest rate for purchases 29.4% p.a. variable. | 0.5% on annual spend up to £10,000 then 1% for £10,001 plus (5% first 5 months max £125) |
| Santander Edge Credit Card | £48 (£4pm) | Based on a credit limit of £1200 charged at 29.9% variable p a for purchases. Annual fee of £48 applies. Representative 37.8 % APR variable. | 1.0% cashback on all purchases max reward £10 per month |
| Halifax | N/A | Representative 23.9% APR variable. Based on assumed credit limit of £1,200. Interest rate for purchases 23.9% p.a. variable. | 0.25% on all purchases up to £4k per year and 0.5% over £4k annual spend |
The data published on the website is intended to supply you with information only and is not intended to provide you with financial advice as to the most suitable product for your own personal circumstances and requirements. Whilst we try to update rates regularly we cannot guarantee their accuracy. Please always do your own research when considering your personal finances.
Warning: Late repayment can cause you serious money problems. For help, go to www.moneyadviceservice.org.uk