A Complete List of Credit Card Free Money Bonus Offers in the UK 2025

If you’re looking to boost your finances without dipping into your own pocket, several UK credit card providers offer lucrative sign-up bonuses and rewards. On this page, we guide you through the best credit card offers that give you free money, cashback, or other perks just for signing up and meeting simple requirements. It’s an easy way to unlock extra value while managing your everyday spending!

Top UK Credit Card and Buy Now Pay Later Offers

Want to make the most of your spending? We list the best credit card and Buy Now Pay Later (BNPL) offers available in the UK. Find the best sign-up bonuses, cashback rewards, and promotional offers for new customers in 2024, all aimed at helping you get the most out of your finances.

Name	Link	Terms Link	Code	Platform	Category Type	Category	Reward	Offer	Sign Up Reward	Referral Reward	Rating	Instructions	Sign Up Link	Terms	Description
Zilch	https://scrimpr.co.uk/raf/zilch	https://help.payzilch.com/en/articles/59549-referrals-terms-and-conditions	Use link above	Zilch	Credit Card	Credit Card	Cash	Zilch (Zilch Technology Ltd) is authorised and regulated by the Financial Conduct Authority in the United Kingdom (FRN: 843421). If you sign up to Zilch with my refer-a-friend link, then I will also earn a refer-a-friend bonus from Zilch.	£5	£5	6.90	Here’s how to get your £5 bonus from Zilch: Download the Zilch app using the referral link: https://scrimpr.co.uk/raf/zilch You must click the link on your mobile! If using an iPhone, make sure cross-site tracking is enabled on your phone. Enter your details. Confirm your email address. Add a debit card to fund your purchases with Zilch. Add your virtual Zilch card to your mobile wallet (Google/Apple Pay). Receive 500 bonus points (worth £10) in your account. Spend your free £5 by searching for the store you want to use it in, clicking 'Pay Now' and toggling the ""Use rewards"" switch. Then spend using the virtual card details (or in a shop using contactless). Refer your friends to earn additional bonuses for each successful referral!	Claim!	Terms	Zilch is a virtual credit and debit card that offers cashback on all your purchases. But the credit (buy now pay later) aspect is best avoided. Just pay in full each time, and earn cashback on all of your shopping. New users receive a £5 bonus when they sign up using my refer a friend link (https://scrimpr.co.uk/out/zilch) - the bonus is given just for signing up, with no purchase neccesary. Ts&Cs apply.
Monzo	https://scrimpr.co.uk/raf/monzo	https://monzo.com/refer-a-friend	Use link above	Monzo	Finance	Finance	Cash Bonus	Team up with a friend at Monzo and you both earn £5 or £10 when your friend opens an account!	£5-£10	£5-£10	6.10	Here is how to get your free £5 - £10 bonus from Monzo (or £50 for opening a business account): Click a referral link to visit the Monzo landing page and choose to open a personal (£5 - £10) or business account (£50), then enter your phone number: https://scrimpr.co.uk/raf/monzo Download the app, sign up, verify, and apply for an account within 30 days (go for the basic, free account). Top up your account (you can top up by £1). Make a small purchase using your Monzo card when it arrives (e.g., top up your Amazon account by £1). This needs to be done within 30 days. Instantly receive your cash bonus in your account! Once signed up, you can refer your friends! You will both earn a referral bonus when they complete the above steps.	Claim!	Terms	Monzo is a fully licensed and regulated (FSCS protected) bank that offers UK users one of the slickest banking experiences. I personally use Monzo as my main spending account. You can get a free £5 or £10 (it changes) (or £50 if you open a business account) just for opening a Monzo current account and spending £1 when you use my sign-up link: https://scrimpr.co.uk/raf/monzo. Monzo also lets customers pay later with Monzo Flex. Refer your friends to open a current account, and you will both get a refer a friend bonus.
American Express	https://scrimpr.co.uk/raf/americanexpress	https://www.americanexpress.com/uk/legal/refer-a-friend/terms-and-conditions.html	Use link above	American Express	Credit Card	Credit Card	Cash	American Express ( Klarna (Klarna Financial Services UK Ltd) is authorised and regulated by the Financial Conduct Authority in the United Kingdom (FRN: 661836). If you sign up to an American Express card with my refer-a-friend link, then I will also earn a refer-a-friend bonus from AMEX if you go on to complete the sign up offer.	Up to £125	Up to £125	5.10	Steps to get an enhanced sign up bonus with American Express: Check the different enhanced offers available through the AMEX rewards program by clicking my refer a friend link: https://scrimpr.co.uk/raf/americanexpress Choose the AMEX credit card that best suits your needs. Sign up for the selected AMEX credit card through the provided referral link. Meet the minimum spend requirement within the specified time frame (typically 3 months) to qualify for the rewards bonus. For example, you may need to spend £3,000 in the first 3 months to earn bonus points or cashback. Receive your welcome bonus. Maximize your rewards by using the card for everyday purchases and paying off the balance in full each month to avoid interest.	Claim!	Terms	American Express offers a wide range of credit cards with valuable rewards such as cashback, travel points, and exclusive perks. When you sign up via a referral link, you can receive an enhanced welcome bonus. Plus, you can refer friends to earn even more rewards for each successful referral. If you do not know an American Express customer, then you may use my refer a friend link: https://scrimpr.co.uk/raf/americanexpress. Ts&Cs apply.
PayPal	https://scrimpr.co.uk/out/paypal	https://www.paypal.com/uk/webapps/mpp/invite/terms	Use link above	PayPal	Finance	Finance	Gift Voucher	Sign up and use PayPal and you will get £10 to spend. Tell your friends for more £10s.	£10	£10	5.00	Here’s how to get your £10 bonus with PayPal: Register using a referral link: PayPal referral link Verify your phone number. Set up a direct debit with your bank account or link your payment card. Use PayPal to shop online and pay with PayPal checkout or send £5 to someone you know. Receive your £10 bonus after spending £5. Then refer your friends to earn an additional £10 bonus for each successful referral (maximum of 10 friends, offer ends 31st December 2024).	Claim!	Terms	PayPal is one of the world’s leading online payment platforms, allowing you to send and receive money, shop online, and pay for services securely. You can get a free £10 just by signing up and spending £5. It also offers 'Pay in 3', the buy-now-pay-later arm of PayPal. You can refer your friends to earn £10 each (up to 10 friends) when they sign up with your refer-a-friend link!
Zable	https://scrimpr.co.uk/raf/zable	https://intercom.help/zable-60d36e39522b/en/articles/10506886	Use link above	Zable	Credit Card	Credit Card	Cash	Zable (Lendable Ltd) is authorised and regulated by the Financial Conduct Authority in the United Kingdom (FRN: 720261). If you sign up to Zable with my details, then I will also earn a refer-a-friend bonus from Zable if you go on to complete the sign up offer.			4.50		Sign Up	Terms	Zable is another UK credit card company specializing in 'credit building' cards for those looking to improve their credit score. They offer new users a £10 referral reward when they sign up, get approved, and make a first purchase within 90 days (no minimum requirement). Plus, tell your friends and you can earn £10 each. If you do not know a Zable customer, then you may use my refer a friend link: https://scrimpr.co.uk/raf/zable. Ts&Cs apply.
Curve	https://scrimpr.co.uk/bonus/curve-free-10	https://curve.com/en/referrals	Use link above	Curve	Credit Card	Credit Card	Cashback	Curve (Curve UK Limited & Curve Credit Limited) is authorised and regulated by the Financial Conduct Authority in the United Kingdom (FRN: 900926 and FRN: 925447). I am an affiliate partner of Curve, and if you sign up to Curve through my link, then I may also earn a small commision from Curve.	£10	£50	3.50	Steps to get £10 in Curve Cash and 0% foreign spending fees with Curve: Register using our Curve link: https://scrimpr.co.uk/bonus/curve. Choose your card (Standard is a free account, but there is a card delivery fee of £5.99. Paid plans waive this delivery fee). I have the metal card on the Pro+ subscription. Once registered, link your existing debit/credit card(s) to your Curve account using the app. If you choose an eligible plan, choose your cashback retailers. Use your Curve card to make 3x £5+ transactions to unlock your £10 bonus. Use your Curve card instead of all your others, and get cashback and 0% fees when abroad. Plus refer your friends to get a cash bonus for everyone who completes the above.	Claim!	Terms	Curve is a magic card that allows you to combine all of your credit and debit cards into one. It's a very handy proxy card, and I have all of my cards linked to it. It gives 1% cashback at a number of retailers, and also has zero foreign currency fees. Get £10 to spend when you sign up for Curve Pay, Curve Pay X, Pro, or Pro+ and make 3x £5 transactions with your Curve Card (https://scrimpr.co.uk/bonus/curve-free-10). Then refer your friend to get £50 in Curve Cash points to spend! Ts&Cs apply.
Klarna	https://www.klarna.com/uk/	https://cdn.klarna.com/1.0/shared/content/legal/terms/en-GB/referral	Use link above	Klarna	Credit Card	Credit Card	Discount	Klarna (Klarna Financial Services UK Ltd) is authorised and regulated by the Financial Conduct Authority in the United Kingdom (FRN: 987889). I am not a customer of Klarna, and the Klarna promotion is a direct offer.	£10	£0	3.00	Steps to Get Your £20 Discount with ClearPay: Sign up to Klarna and refer your friends. There is no bonus for signing up. But if you would like to use mine then I will get a discount code: https://scrimpr.co.uk/raf/klarna Create your Klarna account and complete the registration process. Link a debit or credit card to your account. Make a purchase using Klarna of £10+ to trigger the referral bonus (for your referrer) Then refer your friends to get a £20 discount for yourself when they complete the steps above!	Get Your £10.00	Terms	Klarna is a popular buy now, pay later service that allows you to make purchases and pay for them over time. Users can sign up directly to recieve a £10 discount when they make a qualifying purchase of £30+. Sign up directly on the Klarna website to take part in this promotion. Ts&Cs apply.
Clearpay	https://scrimpr.co.uk/raf/clearpay	https://www.clearpay.co.uk/en-GB/refer-terms	CALUM-PPUVV	Clearpay	Credit Card	Credit Card	Discount	Clearpay is unregulated credit. Clearpay is not is authorised and regulated by the Financial Conduct Authority in the United Kingdom. If you sign up to Clearpay with my details, then I will also earn a refer-a-friend discount if you go on to complete the sign up offer.	£10	£10	1.00	Steps to Get Your £10 Discount with ClearPay: Sign up to Clearpay using the referral link: https://scrimpr.co.uk/raf/clearpay (code: CALUM-PPUVV) Create your Clearpay account and complete the registration process. Link a debit or credit card to your Clearpay account. Make a purchase using Clearpay of £50+ and get £10 off. Then refer your friends to get a £10 discount each when they complete the steps above!	Claim!	Terms	Clearpay is an unregulated buy now, pay later service that allows you to split your purchases into four interest-free payments. New users can receive a £10 discount on their first purchase when they sign up using my referral link (https://scrimpr.co.uk/raf/clearpay). Plus, refer your friends to earn additional discounts for each successful referral! Ts&Cs apply.