Best Cashback Casino UK 2026

Anyone who remembers the smoky slot lounges of the early 2000s knows the clunk of the lever — best cashback casino uk is the polar opposite. The common myth is that a cashback offer is always a better deal than a matched deposit bonus. In reality, many cashback promotions come with hidden turnover conditions that eat away at the value. A player might see ‘10% cashback on losses’ and assume it’s free money, but the wagering requirements on that cashback can turn a safety net into a trap. This article breaks down which UK-licensed operators offer genuine cashback value, how to calculate the real expected return, and why some promotions are far more generous than they first appear. We focus on verified data from the UK Gambling Commission register and real platform testing to separate the genuine deals from the duds. You can find more information in our best welcome bonus casino guide.

Why Most Cashback Offers Fail the Value Test

The core problem with many cashback promotions is that the terms and conditions effectively cancel out the benefit. A typical offer might state ‘20% cashback up to £50 on net losses every week’. Sounds generous, right? But the cashback is often credited as a bonus that must be wagered 10x before withdrawal. On a £50 cashback, that means £500 in turnover. With a 4% house edge on slots, the expected loss from that wagering is around £20. The player ends up keeping only £30 of the £50 cashback. Some operators further restrict cashback to specific games with lower RTP, or impose a maximum conversion cap. For instance, if the cashback is capped at 3x the bonus amount, a £50 cashback can only ever turn into £150 in real money, even if you win big. This structure means the advertised cashback percentage is rarely what the player actually receives.

Another issue is the timing. Many cashback offers require the player to opt in every week, or they reset the calculation period on a Monday morning. If you lose heavily on a Tuesday and then win on a Wednesday, the net loss for the week might be zero, meaning no cashback. The offer only protects against a losing week, not individual losing sessions. This is a subtle but critical distinction. The best cashback casino uk top rated sites structure their offers to credit cashback automatically on a daily or real-time basis, avoiding these timing traps.

How the Market Is Solving the Cashback Puzzle

Several UKGC-licensed operators have redesigned their cashback offers to be more transparent and valuable. The shift is towards ‘no wagering’ cashback, where the credited amount is immediately withdrawable. This eliminates the EV erosion problem entirely. Others offer cashback on a sliding scale, increasing the percentage based on loyalty tier or weekly activity. A handful of brands now provide ‘cashback on every bet’, crediting a small percentage of each losing wager back to the player’s real balance instantly. This is a fundamental change from the old model where cashback was a weekly or monthly event.

Below is a comparison of how four major brands handle cashback and similar value-return offers. The table focuses on the key metrics that determine real player value.

The standout here is PlayOJO, whose entire USP is ‘no wagering’. Their welcome offer of 50 wager-free spins is effectively a cashback on your first deposit, as the wins go straight to your real balance. Sky Vegas and MrQ follow the same philosophy. 888 Casino offers a traditional matched deposit bonus with a 10x wagering requirement and a £100 win cap, which is a different value proposition entirely. For pure cashback style value, the wager-free models are superior.

Payment Analysis and Withdrawal Speeds

Cashback is only valuable if you can actually withdraw it quickly and without friction. The payment methods a casino supports, and how fast they process withdrawals, directly impact the real-world value of any promotion. An analysis of the platforms shows a clear split between those prioritising speed and those with more traditional banking delays.

MrQ’s ‘instant withdrawal guarantee’ is a genuine differentiator. If your withdrawal is not processed instantly, they pay you £10. This is a strong signal of confidence in their payment infrastructure. Sky Vegas and PlayOJO both offer e-wallet withdrawals in under 24 hours, which is standard for top-tier UKGC operators. 888 Casino is slightly slower on the e-wallet side but still within the acceptable range. All four require a minimum deposit of £10, which is the industry standard for accessing welcome offers. Crucially, none of these brands exclude debit cards from their promotions, which is a common trap with less reputable sites.

Step-by-Step Claim Guide for Cashback Offers

Claiming a cashback or wager-free spins offer is straightforward, but missing a step can invalidate the promotion. Here is a general guide based on the PlayOJO and Sky Vegas models, which are the most representative of the ‘best cashback casino uk’ category.

1. Create an account: Visit the casino website and click ‘Join’ or ‘Sign Up’. Fill in your personal details exactly as they appear on your ID. Any discrepancy can delay withdrawals later.
2. Verify your identity: Most UKGC casinos require ID verification before you can withdraw. Upload a copy of your passport or driving licence and a recent utility bill. This usually takes a few minutes to a few hours.
3. Enter the promo code: During registration or on the deposit page, enter the specific code (e.g., OJOSPINS50 for PlayOJO or SKYVIP250 for Sky Vegas). Some offers are automatic and don’t require a code.
4. Make a qualifying deposit: Deposit at least £10 using a debit card. Avoid using e-wallets like PayPal or Skrill if the terms exclude them from the promotion. The deposit must clear before you play.
5. Opt in to the offer: Many promotions require you to click ‘Opt In’ on the promotions page before you start playing. If you skip this, you might not receive the cashback or spins.
6. Meet any play-through requirement: For wager-free offers, you can withdraw immediately after the spins are credited. For offers with 10x wagering, you must play through the bonus amount on eligible slots within the specified time frame (usually 30 to 90 days).
7. Request withdrawal: Once the wagering is met, go to the cashier, select ‘Withdraw’, choose your preferred method (debit card or e-wallet), and enter the amount. For MrQ, the withdrawal should be instant.

Always check the expiry date of the free spins. For Sky Vegas, the spins expire 7 days after being credited. For MrQ, you have 48 hours to use them. Missing these deadlines means losing the value entirely.

EV Analysis: The Real Value of a Cashback Offer

Calculating the Expected Value (EV) of a cashback offer is essential to understanding whether it is worth your time. Let us take a hypothetical ‘10% cashback on net losses up to £50’ offer with a 10x wagering requirement on the cashback amount. Assume you lose £500 in a week, triggering the maximum £50 cashback. The bonus is then subject to 10x wagering, meaning you must place £500 in bets before withdrawal. If you play slots with a 96% RTP (4% house edge), the expected loss from that wagering is £20 (4% of £500). Therefore, the expected value of the cashback is £50 minus £20, which is £30. Your effective cashback rate is 6% of your losses, not the advertised 10%. Get the complete picture in our guide: best gambling apps.

Now compare this to a wager-free cashback offer. If the same £50 cashback has no wagering requirement, the EV is the full £50. Your effective cashback rate remains 10%. This is why the wager-free model is mathematically superior. However, wager-free offers often have lower maximum cashback amounts or are restricted to specific games. A player who loses £1,000 might only get £50 cashback under a wager-free model, whereas a 10% cashback with wagering might still be capped at £50. The absolute cap matters more than the percentage in high-loss scenarios. Read the full analysis: best casino rewards uk.

Another factor is the game contribution to wagering. Some casinos only count slots at 100% towards wagering, while table games like blackjack or roulette might count at 10% or even 0%. If you try to wager the cashback on European roulette (2.7% house edge), you would need to bet ten times more to meet the turnover, significantly increasing your expected loss. The best cashback casino uk top rated sites ensure that all games contribute equally, or they exclude table games entirely to protect the player from this trap.

Casino Economics: Why Cashback Exists

From the casino’s perspective, cashback is a retention tool designed to reduce player churn. A player who receives £50 cashback after a losing week is more likely to deposit again the following week. The casino calculates that the cost of the cashback is offset by the increased lifetime value of the retained player. This is particularly effective for high-frequency slot players who might otherwise move to a competitor after a bad run. The economics work because the casino knows that, on average, the player will lose more than the cashback amount over the long term.

However, the UKGC’s 10x wagering cap, which came into effect on 19 January 2026, has changed the landscape. Previously, casinos could offer 10x wagering, which made cashback offers extremely profitable for the house. With the cap at 10x, the value proposition for the player has improved significantly. Casinos have responded by either reducing the cashback percentage or introducing stricter game restrictions. Some have moved to the wager-free model as a competitive differentiator, accepting a lower profit margin per offer in exchange for higher player trust and acquisition rates.

The £5 stake limit introduced on 9 April 2025 also affects cashback economics. Players cannot bet more than £5 per spin on slots, which slows down the rate at which they can meet wagering requirements. This makes high-stakes players less profitable for the casino, but it also means that cashback offers are more likely to be used by recreational players rather than bonus hunters. The regulatory environment is forcing a shift towards fairer, more sustainable promotions. Check out our detailed guide: best real money casino android app uk.

Alternatives Comparison: Cashback vs Matched Deposit vs Free Spins

Cashback is not always the best option. A matched deposit bonus (e.g., 100% up to £100) can offer higher absolute value if you have a large bankroll. For a £100 deposit, you get £100 in bonus funds. With 10x wagering, you need £1,000 in turnover. At a 4% house edge, the expected loss is £40, leaving an expected value of £60. This is higher than a £50 cashback offer with the same wagering. However, the matched deposit bonus requires you to risk your own £100 first. If you lose the deposit, you lose the bonus as well. Cashback only pays out if you lose, which makes it a lower-risk proposition.

Free spins offers, like those from PlayOJO or Sky Vegas, are often the best value because they have no wagering requirement. The expected value of 50 wager-free spins at 10p each, assuming a 96% RTP, is around £4.80 (50 x 0.10 x 0.96). This is a small but guaranteed positive EV. Cashback offers, even with wagering, can have higher absolute value if you have a losing week. The choice depends on your risk tolerance. A player who prefers a steady, low-variance return should prioritise wager-free spins. A player who wants a safety net against a bad session should look at cashback.

Another alternative is the ‘cashback on every bet’ model, which is rare but growing. This credits a small percentage (e.g., 0%) of every losing bet back to the player’s account instantly. Over a long session, this can add up to a significant amount. The advantage is that there’s no waiting period and no opt-in required. The disadvantage is that the percentage is very low, so it only provides meaningful value to high-volume players. For most casual players, a weekly cashback offer is more impactful.

Licence Check and Regulatory Context

Every casino mentioned in this article holds a licence from the UK Gambling Commission. You can verify any operator’s licence on the Gambling Commission’s public register. For example, MrQ is operated by Lindar Media Ltd (licence 000-039425-R-319410-001). William Hill is operated by WHG (International) Limited, UKGC account 39225. Always check the register before depositing. If an operator isn’t listed, they’re operating illegally in the UK and your funds are not protected by the UKGC’s dispute resolution process.

The regulatory context is crucial. The 10x wagering cap and the £5 stake limit have made UK casinos significantly fairer than their offshore counterparts. Offshore casinos, such as those based in Curacao, can impose 10x wagering requirements and offer no player protection. The UKGC also enforces a ban on cross-promotions between casino and sportsbook, meaning you cannot use a sportsbook bonus to fund casino play. This prevents the kind of cross-contamination that used to trap players into unfavourable terms. The ‘best cashback casino uk ‘ market is therefore one of the safest in the world for players, provided they stick to licensed operators.

Responsible Gambling and Player Safety

All casinos listed here are licensed by the UK Gambling Commission. UKGC licensees must provide deposit limits, reality checks, and access to self-exclusion tools.

UK players can self-exclude from all UKGC-licensed sites simultaneously via GamStop — free, takes effect within 24 hours. For support contact BeGambleAware or GamCare. Free helpline: 0808 8020 133 (24/7, free from all UK phones). All offers are for new customers only. 18+, T&Cs apply, please gamble responsibly.

Frequently Asked Questions

What is the difference between cashback and a deposit bonus?

Cashback refunds a percentage of your net losses over a specific period, while a deposit bonus matches your deposit with bonus funds. Cashback only pays out if you lose, making it a safety net. A deposit bonus gives you extra funds to play with upfront, but you must wager it before withdrawal.

Do I need a promo code to claim cashback offers?

Some offers require a promo code during registration or deposit, such as WHV200 for William Hill’s free spins. Others, like PlayOJO’s wager-free spins, are automatic once you opt in on the promotions page. Always read the terms to confirm.

Can I withdraw cashback immediately?

Only if the cashback is advertised as ‘wager-free’ or ‘no wagering’. Most traditional cashback offers require you to wager the amount 10x (the UKGC maximum) before withdrawal. Check the specific terms of the offer before claiming.

Are cashback offers available on mobile?

Yes, all major UKGC-licensed casinos offer their full range of promotions on mobile devices. The claim process is identical to the desktop version. MrQ and Sky Vegas have particularly smooth mobile interfaces.

What happens if I self-exclude via GamStop?

If you register with GamStop, you’ll be excluded from all UKGC-licensed gambling sites for the period you choose (6 months, 1 year, or 5 years). You cannot reverse this decision. Any existing cashback offers will be forfeited.

Best Cashback Casino UK 2026

Anyone who remembers the smoky slot lounges of the early 2000s knows the clunk of the lever — best cashback casino uk is the polar opposite. The common myth is that a cashback offer is always a better deal than a matched deposit bonus. In reality, many cashback promotions come with hidden turnover conditions that eat away at the value. A player might see ‘10% cashback on losses’ and assume it’s free money, but the wagering requirements on that cashback can turn a safety net into a trap. This article breaks down which UK-licensed operators offer genuine cashback value, how to calculate the real expected return, and why some promotions are far more generous than they first appear. We focus on verified data from the UK Gambling Commission register and real platform testing to separate the genuine deals from the duds. You can find more information in our best welcome bonus casino guide.

Why Most Cashback Offers Fail the Value Test

The core problem with many cashback promotions is that the terms and conditions effectively cancel out the benefit. A typical offer might state ‘20% cashback up to £50 on net losses every week’. Sounds generous, right? But the cashback is often credited as a bonus that must be wagered 10x before withdrawal. On a £50 cashback, that means £500 in turnover. With a 4% house edge on slots, the expected loss from that wagering is around £20. The player ends up keeping only £30 of the £50 cashback. Some operators further restrict cashback to specific games with lower RTP, or impose a maximum conversion cap. For instance, if the cashback is capped at 3x the bonus amount, a £50 cashback can only ever turn into £150 in real money, even if you win big. This structure means the advertised cashback percentage is rarely what the player actually receives.

Another issue is the timing. Many cashback offers require the player to opt in every week, or they reset the calculation period on a Monday morning. If you lose heavily on a Tuesday and then win on a Wednesday, the net loss for the week might be zero, meaning no cashback. The offer only protects against a losing week, not individual losing sessions. This is a subtle but critical distinction. The best cashback casino uk top rated sites structure their offers to credit cashback automatically on a daily or real-time basis, avoiding these timing traps.

How the Market Is Solving the Cashback Puzzle

Several UKGC-licensed operators have redesigned their cashback offers to be more transparent and valuable. The shift is towards ‘no wagering’ cashback, where the credited amount is immediately withdrawable. This eliminates the EV erosion problem entirely. Others offer cashback on a sliding scale, increasing the percentage based on loyalty tier or weekly activity. A handful of brands now provide ‘cashback on every bet’, crediting a small percentage of each losing wager back to the player’s real balance instantly. This is a fundamental change from the old model where cashback was a weekly or monthly event.

Below is a comparison of how four major brands handle cashback and similar value-return offers. The table focuses on the key metrics that determine real player value.

The standout here is PlayOJO, whose entire USP is ‘no wagering’. Their welcome offer of 50 wager-free spins is effectively a cashback on your first deposit, as the wins go straight to your real balance. Sky Vegas and MrQ follow the same philosophy. 888 Casino offers a traditional matched deposit bonus with a 10x wagering requirement and a £100 win cap, which is a different value proposition entirely. For pure cashback style value, the wager-free models are superior.

Payment Analysis and Withdrawal Speeds

Cashback is only valuable if you can actually withdraw it quickly and without friction. The payment methods a casino supports, and how fast they process withdrawals, directly impact the real-world value of any promotion. An analysis of the platforms shows a clear split between those prioritising speed and those with more traditional banking delays.

MrQ’s ‘instant withdrawal guarantee’ is a genuine differentiator. If your withdrawal is not processed instantly, they pay you £10. This is a strong signal of confidence in their payment infrastructure. Sky Vegas and PlayOJO both offer e-wallet withdrawals in under 24 hours, which is standard for top-tier UKGC operators. 888 Casino is slightly slower on the e-wallet side but still within the acceptable range. All four require a minimum deposit of £10, which is the industry standard for accessing welcome offers. Crucially, none of these brands exclude debit cards from their promotions, which is a common trap with less reputable sites.

Step-by-Step Claim Guide for Cashback Offers

Claiming a cashback or wager-free spins offer is straightforward, but missing a step can invalidate the promotion. Here is a general guide based on the PlayOJO and Sky Vegas models, which are the most representative of the ‘best cashback casino uk’ category.

1. Create an account: Visit the casino website and click ‘Join’ or ‘Sign Up’. Fill in your personal details exactly as they appear on your ID. Any discrepancy can delay withdrawals later.
2. Verify your identity: Most UKGC casinos require ID verification before you can withdraw. Upload a copy of your passport or driving licence and a recent utility bill. This usually takes a few minutes to a few hours.
3. Enter the promo code: During registration or on the deposit page, enter the specific code (e.g., OJOSPINS50 for PlayOJO or SKYVIP250 for Sky Vegas). Some offers are automatic and don’t require a code.
4. Make a qualifying deposit: Deposit at least £10 using a debit card. Avoid using e-wallets like PayPal or Skrill if the terms exclude them from the promotion. The deposit must clear before you play.
5. Opt in to the offer: Many promotions require you to click ‘Opt In’ on the promotions page before you start playing. If you skip this, you might not receive the cashback or spins.
6. Meet any play-through requirement: For wager-free offers, you can withdraw immediately after the spins are credited. For offers with 10x wagering, you must play through the bonus amount on eligible slots within the specified time frame (usually 30 to 90 days).
7. Request withdrawal: Once the wagering is met, go to the cashier, select ‘Withdraw’, choose your preferred method (debit card or e-wallet), and enter the amount. For MrQ, the withdrawal should be instant.

Always check the expiry date of the free spins. For Sky Vegas, the spins expire 7 days after being credited. For MrQ, you have 48 hours to use them. Missing these deadlines means losing the value entirely.

EV Analysis: The Real Value of a Cashback Offer

Calculating the Expected Value (EV) of a cashback offer is essential to understanding whether it is worth your time. Let us take a hypothetical ‘10% cashback on net losses up to £50’ offer with a 10x wagering requirement on the cashback amount. Assume you lose £500 in a week, triggering the maximum £50 cashback. The bonus is then subject to 10x wagering, meaning you must place £500 in bets before withdrawal. If you play slots with a 96% RTP (4% house edge), the expected loss from that wagering is £20 (4% of £500). Therefore, the expected value of the cashback is £50 minus £20, which is £30. Your effective cashback rate is 6% of your losses, not the advertised 10%. Get the complete picture in our guide: best gambling apps.

Now compare this to a wager-free cashback offer. If the same £50 cashback has no wagering requirement, the EV is the full £50. Your effective cashback rate remains 10%. This is why the wager-free model is mathematically superior. However, wager-free offers often have lower maximum cashback amounts or are restricted to specific games. A player who loses £1,000 might only get £50 cashback under a wager-free model, whereas a 10% cashback with wagering might still be capped at £50. The absolute cap matters more than the percentage in high-loss scenarios. Read the full analysis: best casino rewards uk.

Another factor is the game contribution to wagering. Some casinos only count slots at 100% towards wagering, while table games like blackjack or roulette might count at 10% or even 0%. If you try to wager the cashback on European roulette (2.7% house edge), you would need to bet ten times more to meet the turnover, significantly increasing your expected loss. The best cashback casino uk top rated sites ensure that all games contribute equally, or they exclude table games entirely to protect the player from this trap.

Casino Economics: Why Cashback Exists

From the casino’s perspective, cashback is a retention tool designed to reduce player churn. A player who receives £50 cashback after a losing week is more likely to deposit again the following week. The casino calculates that the cost of the cashback is offset by the increased lifetime value of the retained player. This is particularly effective for high-frequency slot players who might otherwise move to a competitor after a bad run. The economics work because the casino knows that, on average, the player will lose more than the cashback amount over the long term.

However, the UKGC’s 10x wagering cap, which came into effect on 19 January 2026, has changed the landscape. Previously, casinos could offer 10x wagering, which made cashback offers extremely profitable for the house. With the cap at 10x, the value proposition for the player has improved significantly. Casinos have responded by either reducing the cashback percentage or introducing stricter game restrictions. Some have moved to the wager-free model as a competitive differentiator, accepting a lower profit margin per offer in exchange for higher player trust and acquisition rates.

The £5 stake limit introduced on 9 April 2025 also affects cashback economics. Players cannot bet more than £5 per spin on slots, which slows down the rate at which they can meet wagering requirements. This makes high-stakes players less profitable for the casino, but it also means that cashback offers are more likely to be used by recreational players rather than bonus hunters. The regulatory environment is forcing a shift towards fairer, more sustainable promotions. Check out our detailed guide: best real money casino android app uk.

Alternatives Comparison: Cashback vs Matched Deposit vs Free Spins

Cashback is not always the best option. A matched deposit bonus (e.g., 100% up to £100) can offer higher absolute value if you have a large bankroll. For a £100 deposit, you get £100 in bonus funds. With 10x wagering, you need £1,000 in turnover. At a 4% house edge, the expected loss is £40, leaving an expected value of £60. This is higher than a £50 cashback offer with the same wagering. However, the matched deposit bonus requires you to risk your own £100 first. If you lose the deposit, you lose the bonus as well. Cashback only pays out if you lose, which makes it a lower-risk proposition.

Free spins offers, like those from PlayOJO or Sky Vegas, are often the best value because they have no wagering requirement. The expected value of 50 wager-free spins at 10p each, assuming a 96% RTP, is around £4.80 (50 x 0.10 x 0.96). This is a small but guaranteed positive EV. Cashback offers, even with wagering, can have higher absolute value if you have a losing week. The choice depends on your risk tolerance. A player who prefers a steady, low-variance return should prioritise wager-free spins. A player who wants a safety net against a bad session should look at cashback.

Another alternative is the ‘cashback on every bet’ model, which is rare but growing. This credits a small percentage (e.g., 0%) of every losing bet back to the player’s account instantly. Over a long session, this can add up to a significant amount. The advantage is that there’s no waiting period and no opt-in required. The disadvantage is that the percentage is very low, so it only provides meaningful value to high-volume players. For most casual players, a weekly cashback offer is more impactful.

Licence Check and Regulatory Context

Every casino mentioned in this article holds a licence from the UK Gambling Commission. You can verify any operator’s licence on the Gambling Commission’s public register. For example, MrQ is operated by Lindar Media Ltd (licence 000-039425-R-319410-001). William Hill is operated by WHG (International) Limited, UKGC account 39225. Always check the register before depositing. If an operator isn’t listed, they’re operating illegally in the UK and your funds are not protected by the UKGC’s dispute resolution process.

The regulatory context is crucial. The 10x wagering cap and the £5 stake limit have made UK casinos significantly fairer than their offshore counterparts. Offshore casinos, such as those based in Curacao, can impose 10x wagering requirements and offer no player protection. The UKGC also enforces a ban on cross-promotions between casino and sportsbook, meaning you cannot use a sportsbook bonus to fund casino play. This prevents the kind of cross-contamination that used to trap players into unfavourable terms. The ‘best cashback casino uk ‘ market is therefore one of the safest in the world for players, provided they stick to licensed operators.

Responsible Gambling and Player Safety

All casinos listed here are licensed by the UK Gambling Commission. UKGC licensees must provide deposit limits, reality checks, and access to self-exclusion tools.

UK players can self-exclude from all UKGC-licensed sites simultaneously via GamStop — free, takes effect within 24 hours. For support contact BeGambleAware or GamCare. Free helpline: 0808 8020 133 (24/7, free from all UK phones). All offers are for new customers only. 18+, T&Cs apply, please gamble responsibly.

Frequently Asked Questions

What is the difference between cashback and a deposit bonus?

Cashback refunds a percentage of your net losses over a specific period, while a deposit bonus matches your deposit with bonus funds. Cashback only pays out if you lose, making it a safety net. A deposit bonus gives you extra funds to play with upfront, but you must wager it before withdrawal.

Do I need a promo code to claim cashback offers?

Some offers require a promo code during registration or deposit, such as WHV200 for William Hill’s free spins. Others, like PlayOJO’s wager-free spins, are automatic once you opt in on the promotions page. Always read the terms to confirm.

Can I withdraw cashback immediately?

Only if the cashback is advertised as ‘wager-free’ or ‘no wagering’. Most traditional cashback offers require you to wager the amount 10x (the UKGC maximum) before withdrawal. Check the specific terms of the offer before claiming.

Are cashback offers available on mobile?

Yes, all major UKGC-licensed casinos offer their full range of promotions on mobile devices. The claim process is identical to the desktop version. MrQ and Sky Vegas have particularly smooth mobile interfaces.

What happens if I self-exclude via GamStop?

If you register with GamStop, you’ll be excluded from all UKGC-licensed gambling sites for the period you choose (6 months, 1 year, or 5 years). You cannot reverse this decision. Any existing cashback offers will be forfeited.