Ostatnia aktualizacja: 20 marca 2026 Zweryfikowane przez: Kreddo.pl Editorial Team

Cashback credit cards — comparison 2026

Cashback credit cards return between 0.5% and 2% of the value of every cashless transaction. The highest cashback of 2% is offered by BNP Paribas. Among free cards the leader is mBank with 1.5% cashback. With spending of PLN 3,000 per month you will earn PLN 360–720 per year.

Cashback is the simplest way to save on everyday purchases. Below we compare credit cards with a cashback programme — from the highest return percentage, taking into account the annual fee, to help you choose the card with the best net return.

Cashback cards — April 2026

RECOMMENDED

Citi Handlowy

Karta kredytowa Citi Simplicity z cashbackiem

Karta z cashbackiem — zwrot za zakupy, brak opłaty rocznej przez pierwszy rok.

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Citi Handlowy

Karta kredytowa Citi Simplicity

Karta kredytowa z bonusem powitalnym — nawet 1200 zł do Allegro.

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Citi Handlowy

Karta Kredytowa World Mastercard

Karta premium World Mastercard — ubezpieczenie podróżne, concierge, Priority Pass.

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Citi Handlowy

Karta Kredytowa Citibank-BP Motokarta

Karta dla kierowców — rabaty na paliwo BP, cashback za tankowanie.

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BNP Paribas

Karta kredytowa z nagrodami do 300 zł

Karta z bonusem powitalnym do 300 zł i programem nagród.

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Bank Pekao

Karta Kredytowa z Żubrem

Karta kredytowa Banku Pekao — szeroki program rabatowy, darmowa obsługa.

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Provident

Karta kredytowa Provi Sm@rt

Karta kredytowa z uproszczoną procedurą — łatwy dostęp do dodatkowych środków.

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How much will you earn from cashback?

Monthly spending	0.5%	1%	1.5%	2%
PLN 2,000	PLN 120	PLN 240	PLN 360	PLN 480
PLN 3,000	PLN 180	PLN 360	PLN 540	PLN 720
PLN 5,000	PLN 300	PLN 600	PLN 900	PLN 1,200
PLN 10,000	PLN 600	PLN 1,200	PLN 1,800	PLN 2,400

* Annual amounts, before deducting any card annual fee.

Często zadawane pytania

How much can I earn from credit card cashback?

With spending of PLN 3,000 per month and 2% cashback (BNP Paribas) you will earn PLN 720 per year. With 1.5% cashback (mBank) it will be PLN 540 per year. The amount grows proportionally to your spending.

Is cashback calculated on every transaction?

Yes, most cards calculate cashback on every cashless transaction — both in-store and online. Cashback is not calculated on ATM withdrawals, fees or interest.

When is cashback paid out?

It depends on the bank. Most commonly cashback is settled once a month and automatically reduces the card balance or is transferred to a personal account. Some banks pay out cashback quarterly.

Which card has the highest cashback?

The highest cashback is offered by BNP Paribas — 2% on all transactions. Among free cards the leader is mBank with 1.5% cashback. It is worth comparing cashback against the annual fee to choose the most cost-effective card.

Is cashback subject to tax?

No. Cashback from credit cards is treated as a discount on transactions, not as income. It does not need to be declared in a tax return and is not subject to income tax.