Best No-Fee
No annual fee, 1% cashback on everything. Works well alongside Chase current account. Mastercard acceptance.
Chase's UK proposition is built around cashback on everyday spending paired with a current account, and it is deliberately simple: no tiers, no categories to activate, no annual fee.
Simplicity is the whole pitch. You spend, you get a percentage back, and there is nothing to manage.
Who it suits. People who want cashback without administration, and existing Chase current account customers for whom this is the obvious companion.
Worth knowing. Chase's headline cashback offers have historically been introductory, reverting to a lower ongoing rate or requiring conditions after the first year — check what the rate becomes, not just what it starts at. As with any cashback card, the value evaporates if you carry a balance, because interest will exceed anything you earn back.