Straightforward cashback card from a major UK issuer. 1% uncapped on all spend when you hit £2k/month. No annual fee but the 2.99% FX fee makes it domestic-only.
Annual fee
Free
APR
25.5% variable (representative)
FX fee
2.99%
Welcome bonus
None
Earn rate
default1x cashback
Pros & cons
Pros
- 1% uncapped cashback — no cap on earnings
- No annual fee
- Mastercard acceptance everywhere
Cons
- 2.99% FX fee on foreign transactions
- Must spend £2,000+/month to earn cashback
- No welcome bonus
Key benefits
- 1% uncapped cashback on all spend over £2,000/month
- No annual fee
- Up to 56 days interest-free
- Mastercard — widely accepted
- MyControls spend management for employee cards
- Online servicing and app
