A credit card with cashback returns a percentage of eligible spending, usually as a statement credit, points or a payment into your account. Rates and eligible purchases vary, and some cards have annual fees, spending limits or introductory offers that later change. It may be worthwhile if you repay the balance in full every month, but interest and fees can quickly outweigh the cashback if you carry a balance. Check the card’s representative APR, eligibility criteria and full terms from the FCA-authorised provider before applying.