1.Barclaycard Rewards
Barclaycard
- 0.25%Cashback on eligible purchases
Get 0.25% cashback on eligible purchases.
Get 0.25% cashback on eligible purchases.
28.9% Variable APR
Barclaycard Rewards earns the #1 spot due to its straightforward cashback offering with no annual fees and no foreign transaction fees, making it a solid choice for everyday spending.
Pros:
- No fees abroad
- Protection on purchases over £100
Cons:
- Low cashback rate
- Limited rewards structure
2.Lloyds Bank Ultra Credit Card
Lloyds Bank
- 1%Cashback on all purchases in the first year
- 0.25%Cashback on all purchases thereafter
1% cashback on all purchases for the first year, dropping to 0.25% thereafter.
1% cashback on all purchases for the first year, dropping to 0.25% thereafter.
12.9% APR variable
The Lloyds Bank Ultra Credit Card shines for its simple cashback rewards, offering 1% back on all purchases in the first year, making it an excellent choice for those who want to maximize their everyday spending.
Pros:
- Straightforward cashback structure
- No fees
Cons:
- Cashback drops after the first year
- Limited to cashback rewards only
3.Santander Edge
Santander
- 1%Cashback on all purchases
1% cashback (up to £10 a month) on all your purchases.
1% cashback (up to £10 a month) on all your purchases.
37.8% APR variable
What sets the Santander Edge apart is its consistent cashback on all purchases, providing cardholders with a reliable way to earn rewards without worrying about category restrictions.
Pros:
- 1% cashback on all purchases
- No foreign exchange fees
Cons:
- Monthly fee applies
- Cashback capped at £10/month
Final Words
As you navigate the options for the best credit cards for online shopping this February, remember to prioritize cashback rewards, low fees, and purchase protections that suit your spending habits. Take time to compare different cards and make an informed decision that maximizes your benefits while shopping online.
Frequently Asked Questions
Get 0.25% cashback on eligible purchases.
You can earn 1% cashback on all purchases for the first year, dropping to 0.25% thereafter.
You can earn 1% cashback (up to £10 a month) on all your purchases.
The Barclaycard Rewards and Lloyds Bank Ultra Credit Card have no annual fee, while the Santander Edge has a £4 annual fee. Consider these fees when choosing a card that aligns with your spending habits.
Look for cards that offer cashback or rewards on online purchases, such as the ones with competitive rates. Additionally, consider the annual fees, welcome bonuses, and any extra benefits like purchase protection.
You can apply for these credit cards online through the respective providers' websites. You'll typically need to provide personal information, income details, and may undergo a credit check.
Yes, many cashback cards, including the Barclaycard Rewards, have no fees for overseas transactions. Just ensure that the card offers competitive cashback rates for international purchases.
