GuideLast checked 8 November 2026

How Incard cashback works

Incard pays uncapped cashback on card spending at the brands on its eligible list, at a rate set by category and plan. On the £0 Free plan that's 1% on advertising, software and travel.

By the editorial team. How we make money.

Incard suits you if

Your biggest costs are ads, software subscriptions or travel, paid by card
You want cashback without a monthly fee
Your team needs its own cards, with spending that still earns
You're a UK or Swiss company or sole trader

cashback a year on Incard's £0 Free plan from £5,000 a month of eligible ads, software and travel spend. Simple arithmetic, not a forecast.

£600

Apply for Incard on incard.co

We may earn a commission if you apply.

The rates

**Table notes:** correct as of 8 November 2026, from Incard's pricing page and fee schedules. Plus rates are “from 1.5%” and set per business. The rideshare rate appears on the pricing page but not in the Free fee schedule.
Plan	Advertising	Recurring software	Travel	Rideshare	Everything else
Free (£0 a month)	1%	1%	1%	1.75%	0.5%
Grow (£49 a month)	1.25%	1.25%	1.25%	1.75%	1%
Plus (from £199 a month)	from 1.5%	from 1.5%	from 1.5%	from 1.5%	from 1.5%

What counts and how it's paid

Only card purchases at brands on Incard's eligible list earn cashback. Incard matches the merchant name on the payment against that list.
Fees, ATM withdrawals, cash, transfers and similar charges don't count.
Refunds are deducted from your cashback.
Cashback is paid on purchases once they clear, not when you tap the card.
Incard reviews a request to redeem within 5 working days and pays it within 14 working days.

Work out your cashback on each plan, or compare the Free, Grow and Plus plans.

Eligible brands by category

Advertising: 1% on Free

Amazon Ads, Caasie, Google Ads, Insite Graphics, LinkedIn Ads, Meta Ads, Microsoft Ads (Bing Ads), Pinterest Ads, Snapchat Ads, Taboola, TikTok Ads, VistaPrint, X Ads (Twitter Ads).

Recurring software: 1% on Free

A2X Accounting, Adobe, Airtable, Amazon Digital, Anthropic, Apple (including iTunes), Asana, Blaze Today, Calendly, Canva, CapCut, DocuSign, Dropbox, Fathom, Figma, Freepik, GoLogin, Google Workspace, Heatmap, Helium 10, Huboo, Indeed, Insightful, Klaviyo, LinkedIn Premium and Sales Navigator, Loom, Namecheap, Netim, Notion, Omnisend, OpenAI (ChatGPT), Replit, SeedLegals, Sellerboard, SendGrid, Shopify, Shutterstock, Slack, Triple Whale, Trustpilot, Twilio, Webflow, WordPress, Wowcher.

Air France, Airbnb, American Airlines, Booking.com, British Airways, Brittany Ferries, Brussels Airlines, Direct Ferries, easyJet, Emirates, Etihad Airways, Europcar, Eurostar, Expedia, Hotels.com, lastminute.com, Lufthansa, Ryanair, SIXT, Trainline, Travelodge, Trip.com, Turo, United Airlines, Virgin Atlantic, Vrbo, Vueling, Wizz Air.

Rideshare: 1.75% on Free

Blacklane, Bolt, Careem, FREE NOW, Lyft, MOIA, Uber, Wheely.

Everything else: 0.5% on Free

Alibaba, AliExpress, Amazon Marketplace, Prime and Stores, American Express, Annabel's, Argos, Arts Club, AXS Tickets, Cabana, Caffè Nero, Co-op, Costco, Currys, Deliveroo, DHL, DSers, eBay, Etsy, FedEx, Five Guys, Flink, Gail's Bakery, Harrods, Joe & The Juice, John Lewis, Nespresso, Netflix, Ocado, Ole & Steen, Orbit, Overclockers, PAUL, Pret A Manger, Royal Mail, Sainsbury's, Scan Computers, Selfridges, Soho House, Starbucks, Steam, Tesco, TfL, Ticketmaster, Uber Eats, UPS, Waitrose, WeWork.

When Incard isn't the answer

Incard isn't the right account if

Your business is registered outside the UK and Switzerland. EEA onboarding is paused until an expected restart in 2027
You're a charity, cooperative, foundation, trust or public body, or work in one of Incard's restricted industries

Our pick for card spend

Incard: 1% cashback on ads, software and travel, on a £0 plan

Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.

E-money · safeguarded, no FSCS

Work out your cashback Check eligibility