Pluxee Employee Experience & the best cashback card
23 September 2025
The Pluxee Employee Experience seamlessly unifies rewards, recognition and workplace perks into one mobile-first employee experience platform. Our prepaid, cashback-earning Pluxee Card sits at the core of our offering, giving your workforce a chance to earn up to 15% cashback with over 80 UK retailers. We’ve explored what people find irritating or lacking with other cashback rewards cards in the market, and we’re here to show you how the Pluxee Card is different.
In a hurry? Here are the top three things you need to know about the Pluxee Card and the Pluxee Employee Experience:
1. The Pluxee Card delivers real, everyday cashback with no gimmicks: Employees earn up to 15% cashback at over 80 popular UK retailers. There's no minimum spend, no cashback caps, and instant cashback credited after purchases. Perfect for everyday use, it helps employees stretch their salaries further on essential spending — not just luxury or one-off purchases.
2. Fully transparent, secure, and employee-friendly: No hidden fees, no misleading pricing, and full transaction traceability via the Pluxee Employee Experience app. Powered by Visa and accepted wherever Visa prepaid is, it's a debt-free financial wellbeing tool.
3. Integrated into a unified, mobile-first employee experience platform: The Pluxee Employee Experience Platform combines perks, recognition, wellbeing, and cashback into one digital hub. The digital-first, plastic-free approach supports CSR goals and is easily accessible via mobile wallets (Apple/Google Pay). It works seamlessly for all employees, including deskless and remote employees — making benefit delivery inclusive and scalable.
Got time to stick around? Let's dive a little deeper.
Did you read our blog, ‘Pluxee Employee Experience Platform: Real Perks. Unbeatable Value’? If not, be sure to click through after reading all about our cashback rewards, as it explores our Pluxee Employee Experience platform in detail.
As for our Pluxee Card, you can deep-dive into all the ways you can embed it into your business in our blog, ‘The Pluxee Card: Your Ultimate Guide & Pluxee Employee Experience’.
More perks, fewer problems: Pluxee Employee Experience & the best cashback card
The best cashback card: it’s a bold claim. Perhaps we should add ‘in our opinion’, just to be safe. We would still back our Pluxee Card every step of the way, and during this blog, we’ll explain why.
We've put a lot of thought into how to present the Pluxee Employee Experience to you – how to make our unified, all-in-one, mobile-first employee experience platform stand out from the crowd.
The Pluxee Card, powered by Visa, and its cashback rewards are a unique offering, which is one of the things that naturally sets us apart from our competitors. The other route we wanted to take was to examine all the things that currently irritate people about employee experience platforms, employee discount schemes, cashback rewards, and recognition solutions, and then demonstrate how our proposal differs.
We’re making pet peeves a thing of the past with a prepaid cashback card that creates more perks than problems.
We researched and created a list of thirteen things about cashback rewards that cause users grief, and here, we’ll explain why, in our humble opinion, the Pluxee Card is the best cashback card for your people and business.
1. Generous cashback rewards
One of the main gripes about employee cashback schemes and cashback rewards is the perception that there’s a poor return on spending. The idea that employees must spend a lot of money to get a decent reward.
That’s not how we designed the Pluxee Card.
The Pluxee Card isn’t about one-off high-end purchases and cashback deals that incentivise the spend in the first place. It’s about consistent, everyday cashback on essential spending.
We partner with over 80 of your employees’ favourite retailers, offering up to 15% cashback on the things they buy every day, week or month, accumulating a pot of cashback whenever they spend, not just every now and then.
2. No minimum spend
Another thing that annoys consumers about some cashback rewards is that the provider applies a minimum spend value to the purchase, which means that employees would need to spend a certain amount before the cashback applies.
With Pluxee Employee Experience, your employees earn cashback on every penny they spend when they use their Pluxee Card with one of our participating retailers.
3. No caps
The flip side of the coin: you quite rightly feel a bit disgruntled when businesses who claim to offer the best cashback card apply maximum cashback limits.
We don’t do that either.
Every penny spent earns cashback. However, in our terms and conditions, we do outline maximum card top-up limits and maximum spend limits in a single transaction. These are measures we’ve implemented to help protect you from potential misuse, protecting your money.
4. Instant cashback rewards
Understandably, your employees don’t like it when they have to wait weeks or months for their cashback to reach their account. We don’t think that’s fair either.
Our Pluxee Card is a financial wellbeing tool, as well as a reward and incentives solution. ‘Cashback rewards’ may be the industry term, but what we aim to do is stretch salaries further and help alleviate the rising cost of living. That’s why we don’t make you wait for your cashback. As soon as the retailer processes the transaction, the earned cashback is added to their Pluxee account.
5. Flexible redemptions
Another pet peeve about employee cashback cards is that the provider limits where you can redeem and spend your cashback earnings. Another example of an annoyance that we want nothing to do with.
We partner with over 80 retailers that allow your employees to earn cashback when you use the Pluxee Card to purchase goods from them. Your employees can use their card worldwide wherever Visa prepaid is accepted and spend cashback funds however they choose.
6. Retailer transparency
When we looked at what annoys users about rewards cards, we cast the net quite wide, including membership rewards cards. It was important for us to consider these schemes in our review because clients are using our Pluxee Card as a member benefit.
What we found is a distinct lack of trust with some member rewards cards, with consumers believing that the prices members see are adjusted to make a deal appear better than it actually is.
Not with the Pluxee Card. Even if we’re operating the Pluxee Card via a closed member group, users are purchasing directly from the retailer, so there are no price tricks, just the standard retailer prices and terms.
7. No hidden fees
There are many types of cards on the market that allow people to earn cashback, including those on member schemes, credit card rewards, and prepaid cashback cards like ours. As a financial product, there are, of course, terms and conditions, and we've made ours transparent and fair.
8. Debt-free cashback card
We’ll admit this one is a potential pro and con, depending on your perspective. On the one hand, some users dislike the fact that a prepaid cashback card, unlike a credit card, does not help them establish a credit history.
However, our prepaid Pluxee Card won’t allow your employees to accumulate any debt, which is vital for financial resilience, especially in today's climate. Your employees can’t spend beyond their means, helping them adopt better spending habits. Once your employees load funds onto their accounts, they can’t withdraw them as cash. So, if they load an amount each month to cover their grocery bill, that’s money set aside. It won’t be swallowed up by other bills or expenses.
9. Traceable transactions
Another subject that made it to the pet peeve list is when users have difficulty tracking transactions and pending cashback. We’d be annoyed by this as well, which is why your employees can track all their transactions via the Pluxee Employee Experience app.
When they select the Pluxee Card within their app, they can view statements, top up and see their total spend and earnings.
10. Ad-free
Another bugbear with other cashback rewards is that the apps used to access them are full of advertisements and links that direct users to and encourage them to sign up for different schemes.
Not with the Pluxee Card. The only retailers or ‘adverts’ we’ll show you are the deals available through one of the over 80 retailers we partner with to provide your employees up to 15% cashback.
11. Perfect for daily use
We’ve mentioned daily use already, but this point relates to a topic that popped up during our research. Some cashback rewards cards appear to be more of a bonus than a genuine discount or saving, suggesting ad hoc use or buying something specifically for the cashback.
We’re going to get specific with the terminology at this point because the Pluxee Card doesn’t generate a discount or savings. These two terms relate to products that reduce the price at the point of purchase, such as our Employee Discounts.
With the Pluxee Card, you pay the full amount at the till, so there’s no reduction in spend. However, once the retailer processes the transaction, a percentage is returned as cashback.
That’s why we say ‘earnings’ rather than ‘savings’.
Now we’ve cleared that up, we’ll get back to the specific point. The Pluxee Card isn’t a gimmick. It’s not about spending more than is necessary just to earn the cashback. It’s about making money stretch further when buying everyday essentials.
12. Safety of use
One of the concerns many users have regarding cashback rewards cards is that the providers offer limited fraud protection. The Pluxee Card is a financial product and as such, we implement various tools to maintain the highest standard of cyber security as demonstrated by our award of the Cyber Essentials, Cyber Essentials Plus, ISO 27001 and PCI DSS certifications.
13. No plastic
OK, you caught us. We added this one ourselves because we’re moving away from plastic. We have strong CSR commitments, and removing physical products plays a significant role in reaching them. A digital-only employee cashback solution is also more secure for users.
In our blog, ‘What is a prepaid card for employees?’, we share the impact that switching to a Virtual Pluxee Card has, significantly reducing your business’s carbon footprint. It may take some time for physical cards to expire, which is why we make ours from recycled PVC. Still, as part of the Pluxee Employee Experience platform, our Pluxee Card solution is digital.
Pluxee Employee Experience & the best cashback card
Did we convince you? Is the Pluxee Card, available through the Pluxee Employee Experience, the best cashback card for your employees?
The Pluxee Employee Experience brings all your perks, rewards, wellbeing solutions and recognition programme into one mobile-first platform. Our Pluxee Card also wears multiple hats. It’s a salary-stretching employee benefit; you can load employee rewards and bonuses onto it, and you could even use it to deliver channel incentives to your partners if your business is in that space.
As for your employees, they can access their Pluxee Card account to top up, spend and earn from the Pluxee Employee Experience app. Since it’s compatible with Apple and Google Wallets, all they need to do is tap to earn cashback on everyday spending.
Whether you have employees located across multiple sites, out on the road, desk-bound or deskless, with Pluxee Employee Experience, every employee has the same chance to make great use of the benefits you’ve embedded to make life more joyful at work, home and beyond.
FAQs
How do I get money from cashback?
Employees use their Pluxee Card with one of our over 80 UK retailers, and a percentage of their spend is added to their account as cashback.
How exactly does cashback work?
Your employees use their Pluxee Card when purchasing goods from one of our participating retailers and earn cashback on their total spend. It’s that simple.
What is the best cashback card in the UK?
The answer to this depends on your preferences and needs, but the Pluxee Card definitely needs a spot near the top.
Which card gives the best cashback?
Each card will have different rates and will vary across retailers. The Pluxee Card offers up to 15% cashback on everyday spending – no gimmicks, no special purchases – just great value throughout the year.
