GuideLast checked 8 November 2026
Cashback on business everyday business spending
Incard pays 0.5% cashback on everyday business spending on its £0 Free plan, at the 47 brands on its eligible list for this category. Here's the full list and what counts.
By the editorial team. How we make money.
Earn cashback on everyday business spending with Incard
- 0.5% back on the £0 Free plan, 1% on Grow (£49 a month) and from 1.5% on Plus
- Uncapped, on eligible card spend
- Team cards on the Free plan, so your whole team's spending can earn it
- GBP, EUR and USD IBANs, also on the Free plan
cashback a year from £1,000 of everyday business spending spend a month on Incard's £0 Free plan. Simple arithmetic, not a forecast.
£60
We may earn a commission if you apply.
Incard's cashback rates
| Plan | Everything else |
|---|---|
| Free (£0 a month) | 0.5% |
| Grow (£49 a month) | 1% |
| Plus (from £199 a month) | from 1.5% |
On everyday business spending alone, Grow's extra cashback covers its £49 fee from £9,800 a month of spend. Our cashback calculator shows the breakeven for your own mix, and our Incard plans guide compares Free, Grow and Plus.
What counts
- 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.
Eligible brands
- 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 spendStart earning 0.5% on everyday business spending
Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.
Work out your cashbackCheck eligibility
We may earn a commission if you apply.
- a month on the Free plan, with team cards
- £0
- cashback on ads, software and travel; 0.5% on other eligible spend
- 1%
- IBANs in three currencies
- GBP, EUR, USD
Sources
All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.