A cashback credit card for home and abroad

Earn as you spend

Get 0.5% cashback on all purchases over £1 worldwide, whether you're buying souvenirs for the family or going on a spree for yourself.

Spend abroad without worry

With no additional fees on transactions abroad and nothing added on top of the standard Mastercard exchange rate, our card is a great way to spend while away.

Real-time spending alerts

Manage your spending in our app and get a handy real-time notification each time you use your card, no matter where in the world you are.

Borrowing that suits you

You can manage your spending flexibly with the Cashback credit card. Spread the cost of your spending at an interest rate of 18.9% APR (variable, representative).

And there's more

  • Free protection on all purchases over £100, so if things go wrong you could get a refund (conditions apply)

  • If a retailer isn't able to fulfil your refund, you can claim your money back from us

  • You can choose a date that suits you to pay off your credit card by contacting us

  • You're protected against fraud when spending at home, online or abroad (conditions apply)

The lowdown

Interest rates
18.9% per year (variable, representative) for purchases 18.9% per year (variable, representative) for cash withdrawals Your final interest rate may be higher based on your individual circumstances
Cashback
Earn 0.5% on every purchase above £1 at home and abroad
No fees abroad
There are no fees for making purchases abroad. Interest will still be charged as normal.
Cash withdrawals
You'll be charged interest from the day you withdraw cash in the UK and abroad In the UK we'll also charge a fee of 2.5%, with a minimum charge of £2.50. There are no fees for withdrawing cash abroad.
Balance transfers
This card doesn't offer balance transfers
Fees
There is a £12 fee if you make a late payment, or your payment fails

For more information read the FAQs

Representative example

Most people will get:

Annual purchase rate (variable)

18.9%

Representative APR (variable)

18.9%

Based on an assumed credit limit of

£1,200

You may be offered a different credit limit or APR to that shown here as it depends on your individual circumstances. Subject to eligibility and credit assessment.

Ready to apply?

In order to apply for a credit card, you must:

  • be at least 18 years old
  • currently have an address, and three years address history in the UK
  • have a minimum income before tax of £13,000 per year

When you apply we'll perform a credit assessment. You're more likely to be accepted if you have a good credit history.

For more information read the summary box, pre-contract credit information, cashback terms, and terms and conditions.