• 0.5% cashback on all purchases over £1 worldwide
  • No monthly fee
  • Track spending and cashback earnings in-app
  • No fees on purchases abroad
Get rewarded when you spend with the Tandem Cashback Credit Card.

Representative example

Most people will get:

Annual purchase rate (variable)


Representative APR (variable)


Based on an assumed credit limit of


You may be offered a different credit limit or APR to that shown here as it depends on your individual circumstances. Subject to eligibility and credit assessment. For more information read the summary box, pre-contract credit information, cashback terms and terms and conditions.

The lowdown

Interest rates
18.9% per year (variable, representative) for purchases18.9% per year (variable, representative) for cash withdrawalsYour final interest rate may be higher based on your individual circumstances
Earn 0.5% on every purchase above £1 at home and abroad
No fees abroad
There are no fees for making purchases abroad. Interest will still be charged as normal.
Cash withdrawals
You'll be charged interest from the day you withdraw cash in the UK and abroadIn the UK we'll also charge a fee of 2.5%, with a minimum charge of £2.50. There are no fees for withdrawing cash abroad.
Balance transfers
This card doesn't offer balance transfers
There is a £12 fee if you make a late payment, or your payment fails
Paperless statements
Credit card statements can be viewed and downloaded in the Tandem app

For more information read the FAQs

Ready to apply?

To get the Cashback card you will first need to open a free Tandem Instant Access Savings Account, all from the comfort of your phone.

Putting money aside regularly is a good way to make sure you are always able to make the minimum payment (or a bit more if you can) and avoid any late fees.

Tandem is committed to protecting your privacy. We will only use your data in accordance with our privacy policy and will not sell your data to third parties. For more details on how we might use your data please see our privacy policy.

Mobile in hand showing the Tandem app