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This page contains affiliate links. When you sign up through our links, we may earn a commission at no extra cost to you. This helps support our free comparison tools.

We compare rates from TopCashback and JamDoughnut. The cashback rates shown are accurate at time of display but may change. Always verify rates before purchasing.

Get Instant Cashback When You Prepay

Planning to shop somewhere? Whether its Adidas or ASDA, buy a gift card first and get up to 10% back instantly. No waiting weeks for cashback to track. Just guaranteed savings before you even checkout. Scrimpr compares rates across all major instant cashback apps like JamDoughnut, EverUp, TopCashback, Quidco and more. Rates update daily.

1. Find Store → 2. Buy Gift Card → 3. Get Cashback Instantly → 4. Shop As Normal

What is Scrimpr Gift Card Cashback Compare?

Scrimpr Gift Card Cashback Compare is my real-time comparison tool that helps you find the highest instant cashback rates when buying gift cards through apps like JamDoughnut, EverUp, Sprive, and more. My tool updates daily, making sure you always know where to get the best discount on your gift card purchases.

With Gift Card Cashback Compare, you can easily compare instant cashback offers across multiple apps, see which platform provides the best rates for each retailer, and maximise your savings before you even step into the shop.

Key benefit: Instead of checking multiple gift card apps manually, my tool does the comparison for you and shows the highest instant cashback available across all platforms in seconds.

How Does Gift Card Cashback Compare Work?

Gift Card Cashback Compare gathers data from multiple gift card apps and compares their instant cashback offers to show you the best possible deal. Here's how it works:

  • Daily Updates: Every day, I collect the latest gift card cashback rates from apps like JamDoughnut, EverUp, Tuck, and others. This ensures you always see the most up-to-date information.
  • Real-Time Comparison: Once you search for a retailer, my tool will instantly compare the gift card offers available across different apps and display the best deal for you.
  • Easy-to-Use Interface: Simply enter the retailer name, and I'll show you the highest instant cashback rate available across all gift card platforms.
  • Instant Savings: Unlike traditional cashback that takes weeks to track and pay out, gift card cashback gives you an instant discount – you pay less upfront for the same spending power.

How is Gift Card Data Collected and Updated?

At Scrimpr, I have a lot of tools for comparing cashback and rewards platforms. I try my best to ensure the data you see is accurate and up-to-date. Here's how my process works:

My Data Collection Process

  • Data Collection: I made an automated system to fetch gift card cashback data directly from popular apps like JamDoughnut, EverUp, Sprive, and more. My system pulls new data daily, ensuring the offers are always fresh.
  • Data Comparison: The tool compares instant cashback rates for the same retailer across multiple apps. If a higher rate is available on EverUp compared to JamDoughnut, I'll display the best option for you.
  • Automatic Updates: The tool refreshes every day with the latest gift card offers and ensures that the highest cashback rates are always prioritised in the results.
Accuracy note: While I work hard to keep everything current, gift card cashback rates can change throughout the day. Always verify the rate in the app before making your purchase.

Gift Card Cashback vs Traditional Cashback

Understanding the difference between these two types of cashback can help you decide which to use:

Gift Card Cashback (Instant)

When you buy a gift card through apps like JamDoughnut or EverUp, you get an instant discount. For example, a £50 gift card might cost you £47.50 – that's 5% instant cashback. You pay less upfront and receive the full value to spend.

Traditional Cashback (Delayed)

Traditional cashback sites like TopCashback and Quidco pay you a percentage after your purchase. The cashback typically takes 30-90 days to track and become payable. You pay full price upfront and get money back later.

Pro tip: You can combine both! Buy a gift card with instant cashback, then use it to shop via a traditional cashback site for double the rewards. Read my full guide on Cashback Stacking for more details.

The Gift Card Cashback Apps I Compare

JamDoughnut

One of the most popular gift card cashback apps in the UK, offering instant discounts on hundreds of retailers. Known for competitive rates, a user-friendly interface, and fun features like the daily Win It Back game show. No subscription required. Read JamDoughnut reviews on Trustpilot.

EverUp

Claims to be the UK's fastest growing instant cashback app, offering up to 20% cashback at 150+ brands. EverUp also includes free-to-play games where you can win extra cashback with every gift card purchase. Read EverUp reviews on Trustpilot.

Tuck

Offers instant cashback on gift card purchases with a wide range of UK retailers. Tuck also features linked card cashback at local restaurants and cafés, so you can earn without buying gift cards. Read Tuck reviews on Trustpilot.

Sprive

A unique app that lets you earn cashback on gift cards and automatically puts the rewards towards your mortgage overpayments. Perfect for homeowners who want to chip away at their mortgage while doing their regular shopping. Read Sprive reviews on Trustpilot.

Airtime Rewards

Earn rewards off your mobile phone bill when you shop with linked cards at 200+ retailers. While not a traditional gift card app, Airtime also offers gift card purchases with cashback. Works with all major UK mobile networks. Read Airtime Rewards reviews on Trustpilot.

Onsi

Originally designed for gig economy workers, Onsi offers discounted gift cards alongside insurance and early access to earnings. FCA authorised and regulated (check the FCA Register). Read Onsi reviews on Trustpilot.

SuperFi

A financial wellbeing app that rewards you for paying your bills on time with cashback at your favourite retailers. Also offers instant cashback gift cards. Useful for those who want to combine budgeting tools with savings. Visit SuperFi.

NX Rewards / Complete Savings

Subscription-based cashback platforms offering 10%+ cashback rates and up to 20% off gift cards. Requires a monthly fee (which can be reclaimed with qualifying purchases). Best for high spenders who can maximise the benefits. Read NX Rewards reviews on Trustpilot.

Traditional Cashback Sites

I also compare TopCashback (Trustpilot) and Quidco (Trustpilot) for their gift card cashback offerings through TopGiftcards and Quidco's gift card marketplace.

Gains (Coming Soon)

An AI-powered cashback app that combines personalised offers based on your spending habits with instant gift card cashback and budgeting tools. Currently in development – I'll add it to the comparison when it launches.

Tips to Maximise Your Gift Card Cashback

1. Compare Before You Buy

Different apps offer different rates for the same retailer. That's exactly why I made Gift Card Cashback Compare – one app might offer 4% on Sainsbury's while another offers 6%. Always check here first to find the highest rate.

2. Buy Gift Cards for Planned Purchases

If you know you're going to shop at a particular retailer, buy the gift card in advance through a cashback app. This works especially well for regular supermarket shops, fuel, or subscription renewals.

Example: If you spend £100 a week at Tesco, buying Tesco gift cards through JamDoughnut at 3% cashback saves you £156 a year – and that's just one retailer.
3. Stack with Traditional Cashback Sites

The beauty of gift card cashback is that it stacks with traditional cashback. Buy a gift card, then use it to shop via TopCashback or Quidco using my Cashback Compare tool.

Example: Buy a £100 ASOS gift card for £95 (5% instant cashback), then shop on ASOS via TopCashback for an additional 3% back. That's 8% total savings on your purchase.
4. Use a Cashback Debit Card to Pay

When you buy gift cards through these apps, pay with a cashback debit card for an extra layer of savings. Some cards offer 0.5-1% back on all purchases. Check out my guide on The Best Cashback Debit Cards.

Pro Tip: Chase and Kroo both offer cashback on debit card purchases, including gift card transactions.
5. Watch for Boosted Rates

Gift card apps often run promotions with boosted cashback rates. Keep an eye out for these – they usually appear around Black Friday, Christmas, and other shopping events.

6. Don't Forget In-Store Shopping

Gift card cashback works for in-store purchases too. Buy the gift card on your phone, then use it at the till. It's one of the easiest ways to save money on everyday shopping.

Example: Heading to Primark? Buy a Primark gift card through JamDoughnut before you go in, and you'll get instant cashback on your entire shopping trip.
7. Consider Mortgage Overpayment Apps

If you're a homeowner, apps like Sprive let you turn your gift card cashback into mortgage overpayments. Small amounts add up – some users have saved thousands in interest over the life of their mortgage.

8. Check Minimum Purchase Amounts

Some apps have minimum gift card purchase amounts. Make sure you know these before planning your purchase to avoid any surprises.

Bottom line: Gift card cashback is one of the easiest ways to save money because you get instant discounts with no waiting. Use this comparison tool to find the best rates, then stack with other cashback strategies for maximum savings.

Are Gift Card Cashback Apps Safe?

The apps I compare are established UK platforms with track records of paying out. Many are regulated by the Financial Conduct Authority (FCA) or use FCA-regulated payment providers. However, here are some sensible precautions:

  • Don't stockpile large balances: Buy gift cards close to when you'll use them rather than building up large amounts in any single app.
  • Check retailer gift card terms: Most UK gift cards don't expire for 2+ years, but always verify before purchasing.
  • Understand refund policies: If you need to return an item bought with a gift card, you'll typically receive store credit rather than a cash refund.
  • Read the reviews: I've linked to Trustpilot pages for each app above so you can see what real users think.

Frequently Asked Questions

How accurate are the gift card cashback rates shown?

I update the cashback rates daily from multiple apps. However, rates can change throughout the day or during promotions, so always verify the current rate in the app before making your purchase.

Which gift card app is the best?

There's no single "best" gift card app – different apps offer better rates for different retailers. That's exactly why I created Gift Card Cashback Compare – to show you which app has the highest rate for each specific retailer.

Can I use gift card cashback for online shopping?

Yes! Most gift cards can be used both in-store and online. Simply apply the gift card code at checkout when shopping on the retailer's website.

Do gift cards expire?

Most UK gift cards don't expire or have very long expiry dates (typically 2+ years). However, always check the terms in the app before purchasing.

How often is the data updated?

My automated system pulls new gift card cashback data daily from all major UK gift card apps to ensure you're seeing the most current offers available.

Can I combine gift card cashback with discount codes?

Yes! Gift cards work like cash, so you can use them alongside discount codes, sale prices, and loyalty points. This makes gift card cashback one of the most stackable savings strategies.

What's the difference between instant and traditional cashback?

Instant cashback (from gift card apps) gives you a discount when you buy the gift card – you pay less upfront. Traditional cashback (from sites like TopCashback) pays you back weeks or months after your purchase. Both have their place, and you can combine them for maximum savings.

What if I find a better rate elsewhere?

If you find a higher gift card cashback rate that isn't showing in my comparison tool, please let me know at hello@scrimpr.co.uk. I'm always working to improve the accuracy and coverage of the data.

ℹ️

Quick Heads Up

I'm just one person running Scrimpr, not a big company or financial advisor.

I make these information and comparison pages because I genuinely enjoy researching financial products and helping UK households make informed decisions. But here's what you should know:

  • Not financial advice: I'm sharing information, not telling you what to do with your money
  • Affiliate links: Some links here are referral/affiliate links - I may earn a small commission at no extra cost to you
  • Always check T&Cs: Offers change. Read the full terms on each platform before signing up

Thanks for supporting Scrimpr!

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How Scrimpr Works

Information, Not Advice

I research and compare financial products to help you make informed decisions. This is educational content, not personal financial advice.

Affiliate Links

Some links are affiliate/referral links. If you sign up, I may earn a small commission at no extra cost to you. This helps keep Scrimpr running.

Featured Content

Some products may be marked as "featured" based on commercial relationships, but I always aim to present options fairly and transparently.

Always Verify

Rates, terms and offers change frequently. Always check the official provider website for current information before making any decisions.

By using Scrimpr, you acknowledge this is information only and agree to verify all details independently. See our Privacy Policy and Terms.

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