What about your local bank?
I think Santander is terrific, having said that I got shot of Credit cards they cost me a fortune only use Debit cards ~ now I cannot spend what I don't have.
You will probably find that most of the cash back cards, or those giving airmiles, points etc will probably disappear/stop giving benefits in the next few months due to new EU regulations.
Swapping cash for cheques to save charges is not Money Laundering as long as all the figures go through the accounts.