1.Amex Cashback Everyday Credit Card
American Express
- 5%Cashback for first 5 months
- 1%Cashback on spend over £10,000
- 0.5%Cashback on spend up to £10,000
Earn 5% cashback on spending for the first 5 months, capped at £125.
Earn tiered cashback with 5% for the first 5 months, then 0.5% on up to £10,000 annual spend, and 1% on spend over £10,000.
29.4% APR variable
This card shines for its high introductory cashback rate of 5% for the first five months, making it an excellent choice for those looking to maximize their rewards on everyday spending without an annual fee.
Pros:
- High introductory cashback rate
- No annual fee
Cons:
- High APR after introductory period
- Cashback capped after initial period
- No rewards breakdown available
Focuses on long-term interest-free periods rather than a cash welcome bonus.
N/A
24.9% Variable APR
The standout feature here is the TSB Platinum Purchase Card's long 0% interest period on purchases, lasting up to 25 months. This makes it an excellent option for consumers looking to finance larger purchases without incurring interest, while also providing a straightforward fee structure.
- No rewards breakdown available
0% interest on purchases for up to 24 months and 0% on balance transfers for up to 21 months.
N/A
24.9% Variable APR
What sets this card apart is its long 0% interest period on both purchases and balance transfers, making it a strong contender for those looking to manage their finances effectively without incurring interest.
4.Lloyds Bank Ultra Credit Card Visa
Lloyds Bank
- 1%Cashback on all purchases for the first year
- 0.25%Cashback on all purchases thereafter
1% cashback on all purchases for the first 12 months.
1% cashback on all purchases for the first year.
12.9% Variable APR
The standout feature here is the unlimited cashback for the first year, making it an attractive option for those who want to earn rewards on their everyday spending.
Pros:
- Unlimited cashback for the first year
- No annual fee
Cons:
- Lower cashback rate after the first year
- Limited to cashback rewards only
5.Santander Edge Credit Card
Santander
- 1%Cashback on all purchases
Targeted offer for current account holders if they use the card 10+ times and set up a Direct Debit within the first three months.
1% cashback on purchases, capped at £10 per month.
37.8% APR variable
A key differentiator is the Santander Edge Credit Card's combination of cashback rewards and fee-free spending abroad. However, the monthly fee and cashback cap may limit its appeal for some users, making it essential to evaluate personal spending habits.
Pros:
- Cashback rewards
- Fee-free spending abroad
Cons:
- Monthly fee
- Cashback cap
Final Words
In conclusion, as you explore the best store credit cards available this February 2026 in the UK, prioritize your spending habits and financial goals to choose the right card for you. Take time to compare options, evaluate rewards, and make informed decisions that align with your needs for maximum benefit.
Frequently Asked Questions
The Amex Cashback Everyday Credit Card offers a welcome bonus of Earn 5% cashback on spending for the first 5 months, capped at £125.
The reward rate details for the Amex Cashback Everyday Credit Card include Earn tiered cashback with 5% for the first 5 months, then 0.5% on up to £10,000 annual spend, and 1% on spend over £10,000.
The TSB Platinum Purchase Card Mastercard focuses on long-term interest-free periods rather than a cash welcome bonus.
The Barclaycard Platinum 21 Month BT and 24 Month Purchase Visa offers 0% interest on purchases for up to 24 months and 0% on balance transfers for up to 21 months.
Most of the top store credit cards, such as the Amex Cashback Everyday Credit Card, TSB Platinum Purchase Card, and Barclaycard Platinum, have no annual fees, making them attractive options for users looking to save on costs.
When choosing a store credit card, consider factors such as the rewards structure, welcome bonuses, interest rates, and any fees. Assess your spending habits to find a card that aligns with your financial goals.
Cashback credit cards, like the Amex Cashback Everyday Credit Card, allow you to earn rewards on your everyday spending. This can lead to significant savings over time, especially if you pay your balance in full each month to avoid interest charges.
