Which cashback or rewards setup is best for you?
Compare debit cards, credit cards and cash accounts to see the estimated monthly value you could get from your spending.
Card and savings rates last checked 8 October 2026.Your estimated monthly value
PayPal Debit Card
View details +Hide details −
How you can use the rewards
Use PayPal+ points for money off eligible purchases at merchants accepting PayPal checkout. Included under Cash & flexible rewards because they reduce eligible checkout costs across merchants. They are not withdrawable cash and cannot be used wherever a payment card is accepted.
Comparison valuation: 1p per point. This is an estimated value, not a guaranteed cash payout.
Provider example: 1,000 PayPal+ points = £10 off.
Redemption guide ↗Other redemption options ↗How you earn rewards
- 1 paypal plus points per £1 · eligible spend
10 points per £10 spent, equivalent to 1 point per £1.
Welcome bonus
No welcome offer recorded in the dataset.
Temporary bonuses do not affect the ranking.
Fees and costs
- Annual fee: £0.00.
- Monthly fee: £0.00.
The estimate deducts £0.00 per month for ongoing fees.
Your monthly estimate
£10.00 rewards + £0.00 cash interest − £0.00 fees = £10.00 normal monthly value.
Requires enrolment in PayPal+.
Provider states top debit-card earn rate runs through 2026 and is subject to change.
Product data last checked: 06/10/2026.
Card terms ↗More provider information 2 ↗Assumes the credit card bill is paid in full every month. Temporary promotional benefits do not affect the ranking.
Which way of paying gives you more?
Best ongoing value after fees. Temporary offers excluded.
Comparison assumptions
The credit-card estimate includes interest earned while money stays in savings before the bill is paid. It assumes you clear every statement in full; borrowing interest or missed payments can wipe out the benefit.
Compare card options
Ranked by ongoing value. Explore rewards, interest, fees and temporary offers separately.
| # | Card | Type | Reward use | Rewards | Promo | Interest | Fees | Net monthly | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | PayPal Debit Card1 PayPal+ points per £1 | debit card | Checkout discounts | £10.00 | — | £0.00 | £0.00 | £10.00 | 1 PayPal Debit Carddebit cardPayPal+ points£10.00/ month £120.00 per year · ongoing estimate Rewards £10.00 | ||||||||
How you can use the rewardsUse PayPal+ points for money off eligible purchases at merchants accepting PayPal checkout. Included under Cash & flexible rewards because they reduce eligible checkout costs across merchants. They are not withdrawable cash and cannot be used wherever a payment card is accepted. Comparison valuation: 1p per point. This is an estimated value, not a guaranteed cash payout. Provider example: 1,000 PayPal+ points = £10 off. Redemption guide ↗Other redemption options ↗How you earn rewards
Welcome bonusNo welcome offer recorded in the dataset. Temporary bonuses do not affect the ranking. Fees and costs
The estimate deducts £0.00 per month for ongoing fees. Your monthly estimate£10.00 rewards + £0.00 cash interest − £0.00 fees = £10.00 normal monthly value. Requires enrolment in PayPal+. Provider states top debit-card earn rate runs through 2026 and is subject to change. Product data last checked: 06/10/2026. Card terms ↗More provider information 2 ↗ | |||||||||||||||||
| 2 | Amex Cashback Credit Card0.75% cashback | credit card | Cashback | £8.33 | +£33.33temporary | £2.95 | £2.08 | £9.20 | 2 Amex Cashback Credit Cardcredit cardCashback£9.20/ month £110.42 per year · ongoing estimate +£33.33 temporary promotional value / month · excluded above Rewards £8.33Interest £2.95Fee £2.08 | ||||||||
How you can use the rewardsCashback is credited to your card account annually as statement credit, rather than being paid monthly. The monthly figure here is an estimate of the value earned. Redemption guide ↗How you earn rewards
Welcome bonus
Eligible new Cardmembers; provider eligibility rules apply. Estimated bonus value: £100.00 in total, shown as £33.33 per month in this comparison. Eligibility still depends on provider terms. Temporary bonuses do not affect the ranking. Fees and costs
The estimate deducts £2.08 per month for ongoing fees. Assumes you pay the statement in full. Borrowing interest and other charges are not included. Your monthly estimate£8.33 rewards + £2.95 cash interest − £2.08 fees = £9.20 normal monthly value. Introductory reward uplift: +£33.33 per month during the qualifying offer period. £9.20 normal monthly value + £33.33 temporary promotional value = £42.53 promotional monthly total. Promotional benefits have different durations; check the offer and first-year terms above. Product data last checked: 06/10/2026. Card terms ↗ | |||||||||||||||||
| 3 | Amex Cashback Everyday Credit Card0.50% cashback | credit card | Cashback | £5.83 | +£19.17temporary | £2.95 | £0.00 | £8.78 | 3 Amex Cashback Everyday Credit Cardcredit cardCashback£8.78/ month £105.42 per year · ongoing estimate +£19.17 temporary promotional value / month · excluded above Rewards £5.83Interest £2.95 | ||||||||
How you can use the rewardsCashback is credited to your card account annually as statement credit, rather than being paid monthly. The monthly figure here is an estimate of the value earned. Redemption guide ↗How you earn rewards
Minimum annual spend for cashback: £3,000.00. Welcome bonus
Eligible new Cardmembers; provider eligibility rules apply. Estimated bonus value: £95.83 in total, shown as £19.17 per month in this comparison. Eligibility still depends on provider terms. Temporary bonuses do not affect the ranking. Fees and costs
The estimate deducts £0.00 per month for ongoing fees. Assumes you pay the statement in full. Borrowing interest and other charges are not included. Your monthly estimate£5.83 rewards + £2.95 cash interest − £0.00 fees = £8.78 normal monthly value. Introductory reward uplift: +£19.17 per month during the qualifying offer period. £8.78 normal monthly value + £19.17 temporary promotional value = £27.95 promotional monthly total. Promotional benefits have different durations; check the offer and first-year terms above. Product data last checked: 06/10/2026. Card terms ↗ | |||||||||||||||||
| 4 | American Express Rewards Credit Card1 Membership Rewards points per £1 | credit card | Credit, shops & travel | £5.00 | — | £2.95 | £0.00 | £7.95 | 4 American Express Rewards Credit Cardcredit cardMembership Rewards points£7.95/ month £95.42 per year · ongoing estimate Rewards £5.00Interest £2.95 | ||||||||
How you can use the rewardsUse Membership Rewards points for statement credit, gift cards or travel rewards, including transfers to participating loyalty programmes. The value depends on how you redeem them. Comparison valuation: 0.5p per point. This is an estimated value, not a guaranteed cash payout. Redemption value varies. Redemption guide ↗How you earn rewards
Welcome bonusNo welcome offer recorded in the dataset. Temporary bonuses do not affect the ranking. Fees and costs
The estimate deducts £0.00 per month for ongoing fees. Assumes you pay the statement in full. Borrowing interest and other charges are not included. Your monthly estimate£5.00 rewards + £2.95 cash interest − £0.00 fees = £7.95 normal monthly value. Product data last checked: 06/10/2026. Card terms ↗More provider information 2 ↗ | |||||||||||||||||
| 5 | Barclaycard Rewards Credit Card0.25% cashback | credit card | Cashback | £2.50 | — | £2.95 | £0.00 | £5.45 | 5 Barclaycard Rewards Credit Cardcredit cardCashback£5.45/ month £65.42 per year · ongoing estimate Rewards £2.50Interest £2.95 | ||||||||
How you can use the rewardsEarn cashback on eligible spending. Check the provider terms for how and when it is paid or credited. How you earn rewards
Welcome bonusNo welcome offer recorded in the dataset. Temporary bonuses do not affect the ranking. Fees and costs
The estimate deducts £0.00 per month for ongoing fees. Assumes you pay the statement in full. Borrowing interest and other charges are not included. Your monthly estimate£2.50 rewards + £2.95 cash interest − £0.00 fees = £5.45 normal monthly value. 0.25% cashback on eligible purchases. Cash withdrawals, balance transfers, money transfers, fees and interest are excluded. No foreign transaction fees on purchases. Borrowing interest and conditional charges are excluded from the paid-in-full estimate. Product data last checked: 06/10/2026. Card terms ↗ | |||||||||||||||||
Why is this #1?
The ongoing monthly value of PayPal Debit Card.
View all card data sources (18)
Credit-card statements are paid in full. Rewards are estimates; offers require eligibility and spend targets. This calculator compares potential value; it does not predict whether you’ll be accepted for a card. Interest rates may change. Paying credit-card interest can outweigh rewards.
How this comparison works
Enter your monthly spending
We use your typical monthly spend to estimate normal cashback or reward value.
Select your cards and cash account
Compare debit and credit cards with the cash account you use before paying the statement.
See your estimated value
Compare normal monthly value and separate temporary promotional benefits.
How we model it: annual fees are spread monthly, points are converted using the valuation stored in our dataset, and signup bonuses only count when your entered spend can meet the stated target. Provider rates and offers change, so always check the latest terms before applying.
Card and savings data in this tool was last refreshed from our master dataset on 8 October 2026. This is an independent comparison tool, not financial advice.