Do you want to get money back when you spend? I do! That’s why I started using cashback credit cards. They are cards that give you some money back on the things you buy every day. I have used them in both the UK and the USA, and I want to share what worked for me.
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Why Cashback Credit Cards Are Great
Here is my story. Last year, I used a cashback card for my groceries in the UK. In three months, I got over £50 back! I didn’t buy extra things; I just used the card for my normal shopping.
In the USA, some cards give 5% back on gas, restaurants, or online shopping. I just changed my spending to the right card and got hundreds of dollars back in a year. That’s why cashback credit cards can really help.
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Best Cashback Credit Cards in the UK
Here are some cards I liked in the UK:
1. Starling Bank Cashback Card – 0.5% back on everything. Very simple.
2. American Express Preferred Rewards – Extra points for shopping online and travel. I use it when booking flights.
3. Barclaycard Cashback Card – Bonus cashback at certain supermarkets. I use it at Tesco and Sainsbury’s, and it adds up fast.
Tip: Choose a card that matches your spending. For me, groceries and online shopping are best. If you travel a lot, pick a card that gives more back on flights or hotels.
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Best Cashback Credit Cards in the USA
Some cards I tried in the USA:
1. Chase Freedom Flex – 5% back on special categories, 1% elsewhere. I use it for gas and restaurants.
2. Citi Double Cash – 2% back on all purchases. Simple and easy.
3. Discover It Cash Back – 5% on categories that change every 3 months. They match your first-year cashback, which is nice.
Tip: Look at your spending and pick a card that gives the most back in the categories you spend the most.
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How to Get More Cashback
I learned some tricks:
- Pay your balance in full – Never let interest eat your cashback. I pay mine every month.
- Use bonus categories – Spend on things where the card gives more cashback.
- Use more than one card – One for groceries, one for online shopping.
- Check sign-up bonuses – Some cards give extra money after a few months. I got £100 back on a UK card after 3 months.
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FAQ
Q: Can I get a cashback card if my credit score is low?
A: Usually, you need a good credit score. Check the bank’s rules before applying.
Q: Is it worth having two or more cards?
A: Yes, if you plan it. I use one card for groceries and one for online shopping.
Q: How much cashback can I get?
A: It depends on your spending. In the UK, you might get £100–£500 a year. In the USA, $100–$600.
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My Final Advice
A cashback credit card can make your everyday spending smarter. Whether you are in the UK or the USA, pick a card that matches your spending. Start small, pay on time, and watch your rewards grow. For me, it feels great to get money back for things I would buy anyway!
