cashback
Making the most of cashback apps and cards is an easy way to save on money that you are already needing to spend. Cashback apps have offers covering all types of spending - retail, groceries, household bills, insurance policies, family days out.
The most popular cashback methods are mobile cashback apps and websites, my favourites of which are Quidco, Cheddar, TopCashback, Airtime Rewards, and Everup.
An alternate method is to use a cashback credit card or current account for cashback on all spending using that card or account. These two methods can be used simultaneously to maximise savings!
Quidco
Quidco offers a wide range of cashback deals, across all types of popular shops, supermarkets, and household bills
Pros:
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Has a compare feature where you can see cashback offers for various household bills, such as car insurance, broadband, and mobile deals
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You can submit a claim form for any missing or unpaid cashback, which Quidco will review on your behalf
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Have a low minimum balance of £1 to withdraw your saved cash to your bank account
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You can upgrade to a premium Quidco account for better cashback offers!
Cons:
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It can take a while for companies to approve your cashback and for it to arrive in your account
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Not a con, just be aware - online spending must be done through an online browser, not on that retailers' mobile app
Quidco are offering a free £20 reward once you have earned £5 cashback through their offers - sign up here!
Cheddar
Cheddar connects to your bank card for automatic cashback deals, which is so helpful for saving time searching for deals, or realising that you have forgotten to use a cashback app once you have placed the order!
Pros:
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Automatic cashback via your linked bank card
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Cheddar offers a range of cashback deals on travel, groceries, eating out, fashion, fitness, and more
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They also offer cashback is you purchase a giftcard to use for the transaction, which is mainly used for their supermarket deals
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Cheddar have a low minimum limit of £5 for withdrawing your balance to your bank account
Cons:
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Smaller retailer network compared to Quidco and TopCashback
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Cashback amounts tend to be lower
Receive a free £2 when you join and use code FJEUVPX and purchase your first gift card for cashback!
TopCashback
Pros:
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Topcashback often have the highest cashback rates for most stores
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They also arguably have the broadest merchant coverage of all sites
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You can withdraw your account balance as cash, vouchers, or British Airways Avios points, but you can receive an extra bonus for withdrawing as gift cards
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There is no minimum amount to withdraw your earnings balance
Cons:
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Topcashback exclusively offer cashback deals for online shopping, not for in store
Sign up here for a free £10 sign up bonus when you earn £10 of cashback savings!
Airtime Rewards
Airtime Rewards allow you to earn cashback automatically, without having to manually search and select an offer to use. This cashback is then used to save money off your monthly phone bill.
Pros:
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Easy and simply to use, with automatic cashback savings
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They offer regular cashback offers on retail spending, travel, days out, but also extra rewards for buying refurbished technology through Reboxed and mobile insurance through Protect Your Bubble
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They have recently expanded their range of mobile providers, now covering providers such as O2, Vodafone, 3, EE, Virgin Mobile, and more.
Cons:
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You need a minimum £10 cashback savings to withdraw your balance, which is higher than these other cashback apps
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Limited to selected mobile providers
Sign up and use code R3FW8L8P for a free £2 when you make your first purchase within 7 days!
Everup
Everup works slightly differently. They offer cashback rewards, where you earn the cashback but also coins. These coins can then be used to enter various Spin & Scratch games to win extra cash.
Pros:
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A range of cashback, with competitive savings rates
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Must purchase a gift card for the transaction
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There is a free Daily Raffle that you can enter to win coins to use on Spin & Scratch games for cash
Cons:
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Returns from the games can be low and unpredictable
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Smaller retail base compared to other apps
Join Everup here to start saving on your spending and to take part in their games for extra cash!
Credit Cards and Current Accounts
Using a cashback credit or debit card is a fantastic way to save on your daily spending without spending time searching for cashback offers across a range of cashback pages.
Just switch your usual payment card for a cashback card. Use the card for your everyday purchases such as groceries, bills, travel, and earn a percentage of each transaction back as cash or rewards points.
You can use other cashback apps like the ones above alongside to maximise rewards on your spending.
Make sure to research how credit cards work and the terms and conditions of your chosen card before using it. Ensure that you pay off the balance in full each month to avoid interest charges as these will eat into your savings.
Top cashback credit cards (UK, 2025):
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American Express Cashback Everyday Credit Card:
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£0 annual fee
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5% cashback (up to £125) for the first five months
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After this the rate falls to 0.5% cashback, until you reach £10,000 spent, then it rises to 1% cashback
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An excellent starter card for strong early returns with no fee
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American Express Cashback Credit Card:
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£25 annual fee (waived the first year as a limited offer)
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5% cashback (up to £125) for the first three months
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0.75% cashback up to £10,000, 1.25% beyond this
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Stronger ongoing rates, but higher annual fee
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Santander Edge Credit Card:
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£3 monthly fee
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2% cashback (up to £15 per month) for the first year, then 1% afterwards
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Great for consistent spending patterns, especially for Santander account holders
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Santander All in One Credit Card:
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£3 monthly fee
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0.5% cashback on all purchases
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Includes 0% purchases for 12 months
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Solid flat-rate rewards and potential value if you also use mobile phone insurance
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Barclaycard Rewards Credit Card:
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No annual fee
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Between 0.25 - 0.5% basic cashback
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Extra benefits like fee-free overseas spending
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Reliable basic offer with useful overseas perks
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Top cashback and rewards current account deals (UK, 2025):
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Santander Edge Current Account
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£3 monthly fee
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1% cashback on bills, supermarkets, travel, and more (capped at £20 per month)
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Linked 6% AER savings for 12 months
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Chase US Current Account
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1% cashback on groceries, transport, and fuel (up to £15 per month)
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No monthly fee
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TSB Spend and Save Account
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No monthly fee
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Up to 15% cashback from selected retailers
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£100 welcome bonus
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