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Best Cash Back Credit Cards for this Christmas

Personal_Finance / Credit Cards & Scoring Nov 04, 2011 - 06:06 AM GMT

By: MoneyFacts

Personal_Finance

The festive season is nearly upon us and many people will be contemplating the task of Christmas shopping over the next few weeks.

Cashback credit cards are a good option for consumers who may be facing an expensive Christmas, as they offer rewards in return for spending. A range of cashback cards are available, offering varying rewards subject to how much and whereabouts consumers spend.


Top 5 cashback cards

Provider

Card Name

Cashback

Rate (APR)

Capital One

World Mastercard

Intro 5%, standard up to 1.25%

19.9%

American Express

Platinum Cashback Amex

Intro 2.5%, standard 1.25%

18.5%

Santander

123 Cashback Credit Card

Standard 1%, 2% or 3%

22.8%

Bank of Ireland UK

Moneyback MasterCard

Standard 0.50%

17.9%

Leeds Building Society

Platinum Credit Card

Standard 0.50%

17.9%

Source: Moneyfacts.co.uk 4.11.11

Louise Holmes, spokesperson at Moneyfacts.co.uk, commented: “As with any credit card, you must be confident that you can pay off the balance in full each month and not just pay the minimum repayment.”

“If monthly payments are missed regularly, any benefits such as cashback or introductory deals, which rely on good account conduct, may be removed by the provider.

“If used correctly, cashback cards can help customers benefit and reap rewards from their spending during the costly Christmas period.”

www.moneyfacts.co.uk - The Money Search Engine

Moneyfacts.co.uk is the UK's leading independent provider of personal finance information. For the last 20 years, Moneyfacts' information has been the key driver behind many personal finance decisions, from the Treasury to the high street.


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