After the Peach Fuzz tone taking centre stage this year, the Pantone colour of the year for 2025 is Mocha Mousse.

The card's rewards structure isn't the easiest to remember. But its useful bonus categories, flexible rewards and outstanding welcome offer make it a top contender among cash-back cards.

Our opinions are our own. Although the market has started to catch up, this remains one of the better top-of-wallet cards. Use it by itself every day, or as a companion to bonus category cards.