Cashback cards sound great — but after annual fees and spending caps, which one actually pays? Compare up to 3 schemes with your real monthly spend.
Your monthly spending
Scheme A
Scheme B
Scheme C
Year 1 net cashback (after fees)
Scheme A
Scheme B
Scheme C
Tip: Always factor in whether you would actually spend enough to justify an annual fee. A high-rate card with a £150 fee only makes sense if you spend enough to earn more than £150 back.
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