Cashback credit card vs cashback site: which earns more?
FLD is not a lender or a credit broker and does not arrange credit. This is general information, not advice to borrow. Any representative APR shown is an example, not a personal quote: the rate you are offered depends on your circumstances and may be higher.
Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying.
Quick answer
A cashback credit card pays a percentage back on your spending, but it needs a credit check and only makes sense if you clear the balance in full each month. A cashback site pays you for buying through its links at specific retailers, with no credit check, but cashback can take months to confirm and can be declined.
You can often use both on the same purchase.
Side by side
| Feature | Cashback credit card | Cashback site |
|---|---|---|
| How you earn | Percentage of card spend | Retailer-specific rates via links |
| Credit check | Yes | No |
| When paid | Usually monthly or yearly | After the retailer confirms (can take weeks or months) |
| Risk | Interest if you don’t clear the balance | Missing or declined cashback |
General information, not advice. Check each provider’s current terms.
Who it’s for
- Cashback card: people who clear their card in full every month
- Cashback site: anyone buying from big retailers, insurers or energy suppliers
Who should skip it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- You carry a card balance — interest will usually outweigh cashback
Full explanation
Pay with a cashback card through a cashback site link and you may earn twice — but only if you’d have made the purchase anyway.
The catch
Cards may have annual fees or caps; sites may track purchases wrongly, and cashback may be cancelled if you return items.
FAQs
Can I use a cashback card and a cashback site together?
Often yes, for the same purchase.
Do cashback sites need a credit check?
No.
Is cashback taxable?
Cashback on personal spending is generally treated as a discount rather than income — check HMRC guidance if unsure.
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