Any cashback that is worth it, at least 5% minimum?

WillPS

Chrysalis said:

I still do some monthly expenditure on my old capital one card, pay in full every month.  Which is basically now days my only CC balance.  Keeps my credit history active.

However this card has no cash back, I have recently started accepting lloyds cashback offers on my debit card, and is quite nice, the offers are typically 5-20%.

However when I look for credit cards that offer cashback, they seem really bad typically 1%, and often also have fees.  Is there any cards that offer multiple percentage with either no or low fees to make it worth bothering with?

Apples and oranges. Blanket spending promotions are funded by the issuer, who typically make no more than 0.3% on transactions in the UK (assuming the bill is paid on time in full, ignoring all other costs involved in card provision). Retailer specific promotions are funded by the merchant - effectively they're giving up some of their markup to entice you in - think of it more like a coupon if you like.