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Card & Current

GuideLast checked 8 November 2026

Cashback on business software

Incard pays 1% cashback on software on its £0 Free plan, at the 44 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 software with Incard

  • 1% back on the £0 Free plan, 1.25% 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 software spend a month on Incard's £0 Free plan. Simple arithmetic, not a forecast.

£120

Apply for Incard on incard.co(opens incard.co in a new tab, affiliate link)

We may earn a commission if you apply.

Incard's cashback 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.
PlanRecurring software
Free (£0 a month)1%
Grow (£49 a month)1.25%
Plus (from £199 a month)from 1.5%

On software alone, Grow's extra cashback covers its £49 fee from £19,600 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

Eligible brands

How Incard cashback works.

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
IncardOur pick for card spend

Start earning 1% on software

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 cashbackCheck eligibility

Apply for Incard on incard.co(opens incard.co in a new tab, affiliate link)

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.