Best Cashback Websites & Apps in the UK

Find the best cashback websites and apps that pay you when you shop, ranked by Scrimpr visitors. See what each offers and which are worth using.

  • 462 head-to-head votes since October 2026
  • 462 head-to-head votes
  • Voting since October 2026

Help rank these sitesVote in quick head-to-head matchups and decide which cashback sites are best.

Vote now

Which is better?

462 head-to-head votes since October 2026

Pick the one you'd recommend. Every vote updates the rankings below.

How the rankings work

Cashback rankings

Showing all 30 sites30 cashback sites

# Site How it works Community Scrimpr Sign-up offer Links
1
TopCashback Online shopping · Website + App
Earn cashback when you shop online or buy gift cards, and play games for extra rewards. Community
90% 31 votes
Scrimpr 5.0/5

£10 sign-up bonus: Earn £10 in qualifying cashback to unlock the bonus. Offer value may vary; check the current terms.

£10 sign-up bonus Terms apply

Earn £10 in qualifying cashback to unlock the bonus. Offer value may vary; check the current terms.

How TopCashback works

Online shopping

Visit TopCashback, find the retailer and follow its tracked link before you buy, then shop as normal in the same browser session. Your cashback shows as pending and becomes available to withdraw once the retailer confirms it.

Confirmation can take a few weeks or several months, depending on the retailer and offer.

TopGiftCards

Buy an eligible eGift card through TopGiftCards to earn cashback, then spend it in store or online, depending on that retailer's conditions.

Cashback usually appears within about an hour.

Getting paid

Withdraw confirmed cashback by bank transfer, PayPal or gift cards.

Key facts

Cost
Free Classic membership. Optional Plus membership costs £5 a year, taken from your cashback.
Where it works
Online and in store at participating retailers

Checked by Scrimpr on 31 October 2026

2
Vela Receipts · App only
Earn points when you upload eligible shopping receipts, which you can exchange for gift cards and other rewards. Community
83% 29 votes
ScrimprNot rated

Up to 20,000 points sign-up bonus: Join with referral code 01FZMK and you can get up to 20,000 points. At 5,000 points to £5, that's worth up to £20. Terms apply.

Up to 20,000 points sign-up bonus Terms apply

Join with referral code 01FZMK and you can get up to 20,000 points. At 5,000 points to £5, that's worth up to £20.

How Vela works

Receipt cashback

Shop as normal and keep your receipt, then scan it in the Vela app to earn points.

Getting paid

Exchange your points for gift cards, including Tesco. 5,000 points are worth £5.

Good to know

  • Healthier or more responsible choices earn more points.

Key facts

Cost
Free to join
Where it works
In store at participating retailers

Checked by Scrimpr on 31 October 2026

3
Complete Savings Subscription · Mobile-friendly website
Pay a monthly membership fee to earn cashback when you shop online. You can claim the fee back each month by uploading a shopping receipt. Community
87% 30 votes
Scrimpr 3.5/5

No direct sign-up. You join through a partner checkout, such as National Rail. Membership is £18 a month. See how to join in the details below.

How Complete Savings works

Membership

£18 a month after a free trial, renewing until you cancel. You can claim a monthly bonus equal to the fee after a qualifying purchase.

Online shopping

Log in to Complete Savings and follow its link to the retailer before you shop, then buy on the retailer's website rather than its app.

Usually approved within 5 days, but it can take up to 90.

In-store cashback

Activate eligible in-store offers for the physical card you pay your membership with, then pay with that card in store. Apple Pay and Google Pay don't count. In-store cashback is capped at £20 a calendar month.

Receipt cashback

Upload eligible shopping receipts to claim 2% cashback, under the programme's conditions. The 2% receipt cashback also works on Tesco receipts, whether you shopped online or in store.

Discounted gift cards

Some members can buy discounted gift cards. The offers vary from member to member.

Getting paid

Withdraw your approved cashback to your bank once you have at least £5 available.

How to join without buying a ticket

  1. Visit National Rail and search for a train journey.
  2. Select a journey and click "Buy tickets".
  3. Close the booking window that opens.
  4. Return to the original National Rail page, where the Complete Savings joining offer may appear.
  5. Follow the offer to register, subject to the eligibility and membership terms it shows.

This is a workaround found by Scrimpr, not the official way to register. It relies on National Rail's website, so it may stop working. Last checked 31 October 2026.

Good to know

  • Scrimpr tip: I claim the monthly bonus back every month by uploading a photo of a Tesco receipt, so the membership costs me nothing.

Key facts

Cost
Paid membership: £18 a month
Typical cashback
Usually 10% online and 2% on uploaded receipts. Rates can change.
Where it works
Online and in store at participating retailers

Checked by Scrimpr on 31 October 2026

4
Rakuten Online shopping · Website + App
Earn cashback when you shop online through Rakuten at participating retailers. Community
78% 32 votes
Scrimpr 4.5/5

£25 sign-up bonus: Spend £50 excluding VAT on qualifying purchases within 90 days of joining to receive £25 cashback. That's £60 including VAT at the standard 20% rate. Terms apply.

£25 sign-up bonus Terms apply

Spend £50 excluding VAT on qualifying purchases within 90 days of joining to receive £25 cashback. That's £60 including VAT at the standard 20% rate.

How Rakuten works

Online shopping

Log in to Rakuten, find the retailer and follow its link to the retailer's website, then buy as normal in the same session.

Cashback usually takes 30–90 days to be approved.

Getting paid

Cashback confirmed by the end of a month is paid on the 15th of the next month, by bank transfer or PayPal.

Key facts

Cost
Free to join
Where it works
Online at participating retailers

Checked by Scrimpr on 31 October 2026

5
JamDoughnut Gift cards · App only
Earn instant cashback when you buy gift cards to spend in-store or online at participating retailers. Community
74% 31 votes
Scrimpr 4.0/5

£3 sign-up bonus: Join with code GMN2 and you'll get £3 (300 points) once you buy your first gift card. It goes into your balance alongside that purchase's cashback. Terms apply.

£3 sign-up bonus Terms apply

Join with code GMN2 and you'll get £3 (300 points) once you buy your first gift card. It goes into your balance alongside that purchase's cashback.

How JamDoughnut works

Gift cards

Open the JamDoughnut app and buy a digital gift card for the shop, for the amount you're about to spend. Scan its barcode at the till or enter the code at an online checkout.

Cashback is added to your balance straight away.

Getting paid

Use your cashback towards more gift cards, or withdraw it to your bank once you've earned £10. Bank withdrawals cost 30p.

Good to know

  • Some brands' gift cards don't work online or at fuel pumps.
  • Refunds come back as gift card credit, not cash.

Key facts

Cost
Free to join
Where it works
Online and in store at participating retailers

Checked by Scrimpr on 31 October 2026

6
Sprive Gift cards · App only
Earn cashback when you buy gift cards for everyday shopping, with the rewards going towards paying off your mortgage. Community
73% 33 votes
Scrimpr 3.5/5

Cashback boost for new customers: Join with code CCLOM844 and you get higher cashback rates on qualifying purchases. The boost is applied automatically once your account is verified. Terms apply.

Cashback boost for new customers Terms apply

Join with code CCLOM844 and you get higher cashback rates on qualifying purchases. The boost is applied automatically once your account is verified.

How Sprive works

Gift cards

Open the Sprive app and buy a digital gift card for the shop, for the amount you're about to spend. Scan its barcode at the till, or paste the code online to pay.

Cashback is usually credited to your Sprive account within about 15 minutes.

Sprive card

Top up Sprive's prepaid Mastercard and add it to Google Pay or Apple Pay. You get 1% cashback when you pay with your phone, anywhere that takes Mastercard.

Checked 31 October 2026.

Getting paid

All your cashback, from gift cards and the card, goes towards an overpayment on your mortgage. You can't withdraw it as cash.

Good to know

  • It's only useful if you have a mortgage.
  • Sprive's advertised enhanced rates include estimated mortgage interest savings. Check the actual cashback amount before buying a gift card.

Key facts

Cost
Free to join
Where it works
Online and in store at participating retailers

Checked by Scrimpr on 31 October 2026

7
Quidco Online shopping · Website + App
Earn cashback when you shop online or when you buy gift cards to use in-store or online. Community
70% 30 votes
Scrimpr 4.0/5

£10 sign-up bonus: Paid once you've earned your first £5 of cashback. The amount changes with Quidco's current promotion. Terms apply.

£10 sign-up bonus Terms apply

Paid once you've earned your first £5 of cashback. The amount changes with Quidco's current promotion.

How Quidco works

Online shopping

Log in to Quidco and follow its link to the retailer before you buy, then shop as normal.

Cashback appears as pending and can take up to 90 days to be approved.

Gift cards

Buy a Quidco gift card for the shop, then spend it in store or online. Supermarkets include Sainsbury's, Tesco, Iceland, Morrisons, Asda, M&S and Farmfoods.

Cashback usually arrives within 7 days.

In-store cashback

Link your card in Quidco In-Store, then pay with that physical card at participating retailers. Apple Pay and Google Pay don't count, and only selected retailers take part.

Can take up to 90 days to approve.

Key facts

Cost
Free Basic membership. Optional Premium costs £1 in any month you shop through Quidco and nothing in months you don't. New members get a 3-month free trial.
Where it works
Online and in store at participating retailers

Checked by Scrimpr on 31 October 2026

8
EverUp Gift cards · App only
Earn instant cashback when you buy gift cards to use at supermarkets, shops and restaurants, plus coins for additional rewards. Community
71% 28 votes
Scrimpr 4.5/5

10M coins sign-up bonus: Join with code REF-SCRIMPR and earn £10 in cashback to unlock 10 million bonus coins, which you can use in EverUp's games. The coins aren't the same as withdrawable cash. Terms apply.

10M coins sign-up bonus Terms apply

Join with code REF-SCRIMPR and earn £10 in cashback to unlock 10 million bonus coins, which you can use in EverUp's games. The coins aren't the same as withdrawable cash.

How EverUp works

Gift cards

Open the EverUp app and buy a digital gift card for the shop, for the amount you're about to spend. Scan its barcode at the till alongside your loyalty card, or use it online where the brand allows.

Cashback goes into your balance straight away.

Getting paid

Spend your cashback on more gift cards from £5, or withdraw it to your bank once you have £10. Bank withdrawals cost 30p.

Good to know

  • Cashback expires 12 months after it's added.
  • Refunds come back as gift card credit, not cash.

Key facts

Cost
Free to join
Where it works
Online and in store at participating retailers

Checked by Scrimpr on 31 October 2026

9
Google Opinion Rewards Receipts · App only
Earn small rewards for uploading receipts from shops you've visited, with additional rewards for answering short surveys. Community
73% 30 votes
Scrimpr 5.0/5
How Google Opinion Rewards works

Receipt rewards

When you visit a shop, Google may send you a receipt task based on your location. Upload your paper receipt through the app to earn a small reward.

The amount varies by task, and you have seven days to submit your receipt.

Getting paid

On Android, rewards are credited to your Google Play balance, which you can use for eligible apps, games and other Google Play purchases. On iPhone, rewards are paid to PayPal.

Good to know

  • Receipt scanning is only available to selected users who receive an invitation.
  • Google Location History must be enabled.
  • You can also earn rewards by answering short surveys.

Key facts

Cost
Free to join
Where it works
In-store shopping
Rewards
Google Play credit on Android, PayPal on iPhone

Checked by Scrimpr on 31 October 2026

10
Clear! Receipts · App only
Earn rewards when you upload shopping receipts or complete short surveys about the products you buy. Community
69% 32 votes
Scrimpr 5.0/5

£0.75 sign-up bonus Terms apply.

How Clear! works

Receipt cashback

Shop at the supermarket as normal and keep your receipt, then scan it in the Clear! app. You get a fixed amount per receipt, about 10p for a supermarket receipt.

Getting paid

Cash out once you have £5.

Good to know

  • You can also earn from short surveys (about 60p each) and, if you choose, by sharing data.
  • New members join through an invite or eligibility form.

Key facts

Cost
Free to join
Where it works
In store at participating retailers

Checked by Scrimpr on 31 October 2026

11
Shopmium Receipts · App only
Earn cashback when you buy selected supermarket products and upload your receipt. Community
72% 25 votes
Scrimpr 3.5/5

£1 sign-up bonus: Join with referral code 2H3D2J to get a £1 bonus. Terms apply.

£1 sign-up bonus Terms apply

Join with referral code 2H3D2J to get a £1 bonus.

How Shopmium works

Product offers

Pick an offer in the Shopmium app, then buy that product at a supermarket or online. In the app, photograph your receipt and scan the product barcode to claim. Cashback is only on the featured products, not your whole shop.

Claims are usually processed within 48 hours.

Getting paid

Withdraw to your bank or PayPal once you have £10.

Good to know

  • Some offers refund up to 100% of the product's price.
  • For online and click and collect orders, you need a digital receipt, ideally a PDF.

Key facts

Cost
Free to join
Where it works
Online and in store at participating retailers

Checked by Scrimpr on 31 October 2026

12
Airtime Card-linked · App only
Earn cashback online and in store with a linked card, shopping links or gift cards, paid as credit on your mobile phone bill. Community
63% 30 votes
Scrimpr 3.5/5

£2 sign-up bonus: Join with code BP8EWXLJ and spend at least £5 at a partner retailer within 7 days. Terms apply.

£2 sign-up bonus Terms apply

Join with code BP8EWXLJ and spend at least £5 at a partner retailer within 7 days.

How Airtime works

Linked-card cashback

Link a Visa or Mastercard in the Airtime app (it can take up to 24 hours to activate), then pay with that card at partner retailers, in store or online. There are no links, codes or receipts. American Express, PayPal, Klarna and store cards don't track.

Shows as tracked within a couple of days, then clears once the retailer confirms it, which can take up to 90 days.

Online shopping (Airtime Link)

Open the retailer through Airtime Link in the app before you buy online, then shop as normal. It works like a cashback site.

Gift cards

Buy gift cards in the app before you shop to earn cashback on them.

Getting paid

Your rewards come off your mobile phone bill once you have £10. This works on EE, O2, Vodafone and Three (contract or pay as you go), plus giffgaff and Lebara (pay as you go). On other networks, ask support to pay out to a card, with a £1.30 fee and a £20 monthly cap.

Key facts

Cost
Free to join. Optional Airtime Up costs about £1.99 a month: rewards clear in 1 day and the minimum drops to £5.
Where it works
Online and in store at participating retailers

Checked by Scrimpr on 31 October 2026

13
Swagbucks Online shopping · Website + App
Earn Swagbucks points (SB) when you shop online, which you can exchange for PayPal cash or gift cards. You can also earn points from surveys, games and offers. Community
62% 34 votes
Scrimpr 2.5/5

£10 sign-up bonus: Activate your welcome bonus in Swag Ups, then spend £25 at a participating retailer through Swagbucks Shop within 30 days. Your purchase must earn at least 25 SB to qualify. Check the current UK terms.

£10 sign-up bonus Terms apply

Activate your welcome bonus in Swag Ups, then spend £25 at a participating retailer through Swagbucks Shop within 30 days. Your purchase must earn at least 25 SB to qualify. Check the current UK terms.

How Swagbucks works

Online shopping

Visit Swagbucks, find the retailer in Shop and Earn and click through before making your purchase. Check the retailer's terms, as some payment methods and discount codes may not qualify for cashback.

Shopping rewards usually appear as pending within seven business days and become available after approximately 32–75 days.

Getting paid

Earn rewards as SB points, which you can exchange for PayPal cash or gift cards.

Good to know

  • Swagbucks also pays rewards for completing surveys, playing games and taking up offers.

Key facts

Cost
Free to join
Where it works
Online at participating retailers
Available on
Website + App
Available in
UK, US and 9 more countries

Checked by Scrimpr on 31 October 2026

14
Tuck Gift cards · App only
Earn instant cashback when you buy gift cards to use at supermarkets, shops and restaurants. Community
53% 36 votes
Scrimpr 3.5/5

£0.50 sign-up bonus: Join with referral code 53661872 and you usually get 50p after your first purchase. Terms apply.

£0.50 sign-up bonus Terms apply

Join with referral code 53661872 and you usually get 50p after your first purchase.

How Tuck works

Gift cards

Before you pay, open the Tuck app and buy a digital cashback card for the shop, for roughly what you're about to spend. You pay for the card with Apple Pay, Google Pay or open banking, and you'll need to verify your identity the first time. Then use the card to pay: in store, show its barcode or tap it from your phone's wallet; online, enter the card number and PIN at checkout.

Cashback is added instantly when you buy the card.

Getting paid

Withdraw to your bank. Withdrawals take 3 to 5 business days, and a small fee applies.

Good to know

  • If you only spend part of a card, you need to update its remaining balance in the app yourself.

Key facts

Cost
Free to join
Where it works
Online and in store at participating retailers
Typical cashback
Usually 2 to 10%

Checked by Scrimpr on 31 October 2026

15
Cheddar Gift cards · App only
Earn cashback when you buy gift cards to spend at supermarkets, shops and restaurants. Community
52% 33 votes
Scrimpr 3.5/5

£5 sign-up bonus: Join with code SCRIMPR. Terms apply.

£5 sign-up bonus Terms apply

Join with code SCRIMPR.

How Cheddar works

Gift cards

Buy a gift card in the Cheddar app for the shop you're about to use, then scan its barcode at the till or enter its code at the online checkout. The app shows whether each brand works in store, online or both.

Cashback is added to your balance when you buy the card.

Getting paid

Withdraw to your bank once you have £5. There are no withdrawal fees.

Good to know

  • Tesco and Morrisons gift cards work in store only. Sainsbury's and Asda work in store and online.

Key facts

Cost
Free to join
Where it works
Online and in store at participating retailers

Checked by Scrimpr on 31 October 2026

16
MyTime Rewards Subscription · Mobile-friendly website
Pay a monthly membership fee to earn at least 10% cashback online, plus 2 for 1 and 25% cashback on UK days out. You can claim the fee back each month by uploading a shopping receipt. Community
52% 23 votes
ScrimprNot rated

No direct sign-up. You join through a partner checkout, such as Complete Savings. Membership is £18 a month. See how to join in the details below.

How MyTime Rewards works

Membership

Free trial, then £18 a month until you cancel. You can claim a Monthly Member Reward equal to the fee after a qualifying purchase.

Online shopping

Log in to My Time Rewards and click through to the retailer's website with cookies switched on, then buy in one session. This includes 10% cashback at Ticketmaster. Phone purchases don't count.

Usually approved within 5 days, but it can take up to 90.

Days Out

Get 2 for 1 at UK spas and museums, or 25% cashback on nationwide activities such as zoos, theme parks, historic places, river cruises, food and drink, driving, water sports, flying and adventure. Upload your receipt in the Days Out form within 30 days of your visit.

Getting paid

Withdraw your cashback to your bank once you have £5 available.

How to join

  1. Join Complete Savings first. See How Complete Savings works for the steps.
  2. After you sign up, look for the My Time Rewards joining offer.
  3. Follow the offer to register, subject to the eligibility and membership terms it shows.

Good to know

  • Scrimpr tip: I claim the monthly bonus back every month by uploading a photo of a Tesco receipt, so the membership costs me nothing.
  • Run by Webloyalty. Open to UK residents aged 18 or over.
  • Cashback is capped at £250 a month.
  • Scrimpr tip: we used the 2 for 1 deal for a science centre visit.

Key facts

Cost
Paid membership: £18 a month
Typical cashback
At least 10% online
Where it works
Online and in store at participating retailers

Checked by Scrimpr on 31 October 2026

17
Gains app Gift cards · Website + App
Earn cashback when you buy digital gift cards in the Gains app to spend at supermarkets, shops and restaurants. Community
43% 30 votes
Scrimpr 3.0/5

£2 sign-up bonus: Join with referral code SY5RKS and you get an extra £2 cashback when you reach your first £10 in cashback. Terms apply.

£2 sign-up bonus Terms apply

Join with referral code SY5RKS and you get an extra £2 cashback when you reach your first £10 in cashback.

How Gains app works

Gift cards

Verify your identity in the app, then buy a digital gift card for the retailer before you pay. Use it in store, online or in the retailer's app, depending on the retailer. Retailers include Tesco, Sainsbury's, Asda, Morrisons and M&S.

Cashback can show as pending until the retailer's returns period ends.

Getting paid

Withdraw to your bank once you have £10. A small fee applies to each bank transfer, or you can put your cashback towards more gift cards instead.

Good to know

  • The app also tracks your spending through a read-only Open Banking connection to your bank.
  • Your cashback expires if there's no activity on your balance for 12 months.
  • Free to use, with optional paid plans for extra features. Open to UK residents aged 18 or over.

Key facts

Cost
Free to join
Where it works
Online and in store at participating retailers
Minimum payout
£10
Paid by
Bank transfer

Checked by Scrimpr on 31 October 2026

18
KidStart Online shopping · Website + App
Earn cashback when you shop online or at selected stores, paid into your child's savings account. Community
42% 33 votes
Scrimpr 3.0/5
How KidStart works

Online shopping

Click Shop Now next to the retailer on the KidStart website or app, then buy in the same session. If you go to the retailer directly, or click through from Google or another site, the purchase won't track.

Usually shows the next day, then stays pending for 2 to 3 months.

In-store cashback

Register your debit or credit card in your KidStart profile, then pay with it at selected retailers: JoJo Maman Bébé, Alton Towers, Peppa Pig World, Legoland Holidays, Goldsmiths, PlayandStay and Chessington.

Usually added within a couple of days.

Getting paid

Savings build up in your child's Kiddybank. At the start of each month, KidStart moves the balance into your child's linked savings account once it's over £10. You can use your own bank account instead.

Good to know

  • You don't need children to join. You can save for a friend's or relative's child with the parent's permission, or for a school or charity.
  • KidStart is authorised and regulated by the FCA.

Key facts

Cost
Free to join
Where it works
Online, and in store at a few selected retailers
Minimum payout
£10
Paid into
Your child's savings account or your bank

Checked by Scrimpr on 31 October 2026

19
Virgin Red Points · App only
Earn Virgin Points when you shop through participating retailers, which you can exchange for travel, gift cards and other rewards. Community
39% 31 votes
Scrimpr 2.0/5

1,000 Virgin Points sign-up bonus: Join through our referral link and you get 1,000 Virgin Points once you earn your first Virgin Points from a qualifying purchase, within 18 months of joining. Terms apply.

1,000 Virgin Points sign-up bonus Terms apply

Join through our referral link and you get 1,000 Virgin Points once you earn your first Virgin Points from a qualifying purchase, within 18 months of joining.

How Virgin Red works

Online shopping

Find the retailer in the Earn tab of the Virgin Red app and tap Get Points, then buy on the retailer's website in one session. Purchases in the retailer's own app don't earn points.

Points usually show as pending within 5 working days and are usually confirmed within 45 days. Travel and subscriptions take longer.

Using your points

You earn Virgin Points, not cash. Spend them in the Virgin Red app on rewards such as flights, gift cards and experiences.

Good to know

  • Free to join, and you don't need to be a Virgin customer. Open to UK residents aged 18 or over.
  • Don't use other cashback sites, voucher sites or refer-a-friend links for the same purchase, as they can stop your points tracking.

Key facts

Cost
Free to join
Where it works
Online at participating retailers
Rewards
Virgin Points

Checked by Scrimpr on 31 October 2026

20
Budgey Online shopping · Website + App
Earn cashback when you shop online through Budgey, or when you buy gift cards for shops and supermarkets. Community
35% 34 votes
Scrimpr 2.0/5

£5 sign-up bonus: Sign up and confirm your email address to get a £5 welcome bonus. It counts towards the £20 you need before you can withdraw. Terms apply.

£5 sign-up bonus Terms apply

Sign up and confirm your email address to get a £5 welcome bonus. It counts towards the £20 you need before you can withdraw.

How Budgey works

Online shopping

Click through to the retailer from Budgey, or activate cashback with the Budgey browser extension, then buy in one visit.

Shows as pending within 48 hours, then confirmed by the retailer in 30 to 90 days, or longer for travel.

Gift cards

Buy a Budgey gift card for the retailer, then spend it online or in store. Retailers include Sainsbury's.

Getting paid

Withdraw to your bank once you have £20 of confirmed cashback. After your first bank payment, you can also withdraw to PayPal. Requests are processed within 15 days.

Good to know

  • Budgey used to be called Widilo.

Key facts

Cost
Free to join
Where it works
Online and in store at participating retailers
Minimum payout
£20
Paid by
Bank transfer or PayPal

Checked by Scrimpr on 31 October 2026

21
SnapMyEats Receipts · App only
Earn gift card rewards when you upload receipts from food and drink purchases, with up to 25 receipts counted each month. Community
36% 28 votes
Scrimpr 2.0/5
How SnapMyEats works

Food and drink receipts

Take a photo of the receipt whenever you buy food or drink, such as a snack, a coffee on the go, fast food or a restaurant meal, then answer a few short questions about it. You earn £1 in reward credits for every 5 valid receipts in a month, up to £5 for 25.

Getting paid

Swap your credits for gift cards, such as Amazon and Costa, once you have £10.

Good to know

  • Run by the market research company Circana. Open to UK residents aged 16 or over.
  • Submit at least one valid receipt every 60 days, or your account can be closed.

Key facts

Cost
Free to join
Where it works
Receipts from any food or drink purchase
Rewards
Up to £5 a month
Minimum payout
£10
Paid as
Gift cards

Checked by Scrimpr on 31 October 2026

22
NX Rewards Subscription · Mobile-friendly website
Pay a monthly membership fee to earn at least 10% cashback when you shop online, with a monthly bonus that can cover the fee. Community
33% 33 votes
Scrimpr 3.5/5

No direct sign-up. You join through a partner checkout, such as National Express. Membership is £18 a month. See how to join in the details below.

How NX Rewards works

Membership

30-day free trial, then £18 a month until you cancel. You can claim a monthly bonus equal to the fee after a qualifying purchase.

Online shopping

Log in to NX Rewards and click through to the retailer's website with cookies switched on, then buy in one session. Purchases in most retailers' apps and by phone don't track.

Usually approved within 5 days, but it can take up to 90.

Getting paid

Move approved cashback to your bank once you have £5. It arrives within 10 working days.

How to join

  1. Buy a coach ticket on the National Express website.
  2. Look for the NX Rewards joining offer during or after checkout.
  3. Follow the offer to join, subject to the membership terms it shows.

Good to know

  • Run by National Express. Open to UK residents aged 18 or over.
  • Cashback is capped at £250 a month.

Key facts

Cost
Paid membership: £18 a month
Where it works
Online at participating retailers
Typical cashback
At least 10% online

Checked by Scrimpr on 31 October 2026

23
CheckoutSmart Receipts · App only
Earn cashback when you buy featured products at the supermarket, in store or online, and upload your receipt. Community
26% 27 votes
ScrimprNot rated
How CheckoutSmart works

Supermarket receipts

Check the app for featured products with cashback, then buy them at the supermarket, in store or online. Upload your receipt or delivery note in the app. Check the brand, product, size and flavour match the offer. You can claim several offers with one receipt.

You get an email once your receipt is processed and the cashback is added.

Getting paid

Transfer to PayPal or your bank once you have £1 for your first payment, then £5 after that. Transfers under £20 have a 5% processing fee.

Good to know

  • Sign in each time you use the app, as some offers are only shown to members.
  • Each receipt can only be used once for an offer across CheckoutSmart and its partner sites.

Key facts

Cost
Free to join
Where it works
Featured products at supermarkets, in store or online
Minimum payout
£1 first time, then £5
Paid by
PayPal or bank transfer

Checked by Scrimpr on 31 October 2026

24
My Funky Rewards Subscription · Mobile-friendly website
Pay a monthly membership fee to earn at least 10% cashback when you shop online, with a monthly bonus that can cover the fee. Community
19% 21 votes
ScrimprNot rated
How My Funky Rewards works

Membership

30-day free trial, then £15 a month until you cancel. You can claim a £15 monthly bonus after a purchase at the retailer you joined through, within 30 days.

Online shopping

Log in to My Funky Rewards and click through to the retailer's website, then buy in one session.

Credited within 30 days.

Getting paid

Withdraw your cashback to your bank once you have £5 available.

Good to know

  • Run by Funky Pigeon. You can join directly or after a Funky Pigeon order.
  • Cashback is capped at £250 a month.

Key facts

Cost
Paid membership: £15 a month
Typical cashback
At least 10% online
Where it works
Online at participating retailers

Checked by Scrimpr on 31 October 2026

25
K-Card Receipts · App only
Earn cash when you upload receipts for branded products bought at UK corner shops and convenience stores. Community
21% 28 votes
Scrimpr 3.0/5

100 Koins sign-up bonus: Join through our link to get 100 Koins when you scan your first receipt, plus 25 more once you've scanned three receipts. That's about £1 in total. Terms apply.

100 Koins sign-up bonus Terms apply

Join through our link to get 100 Koins when you scan your first receipt, plus 25 more once you've scanned three receipts. That's about £1 in total.

How K-Card works

Corner shop receipts

Take a clear photo of an itemised receipt from any UK corner shop or convenience store. You earn Koins for branded products on it, plus bonus Koins for hitting your weekly goal and completing quests. 125 Koins are currently worth £1.

Koins show in seconds, but they stay provisional until K-Card approves them.

Getting paid

Once you reach the withdrawal limit shown in the app, cash out to your UK bank account, which can take up to 10 business days. Some withdrawals can be taken as a digital gift card instead.

Good to know

  • Receipts from large supermarkets such as Tesco and Sainsbury's don't count, and neither do top-ups, lottery, postage, fuel or loose hot food.
  • There's a monthly cap on the Koins you can earn from receipts.
  • Free to use. Open to UK residents aged 18 or over.

Key facts

Cost
Free to join
Where it works
UK corner shops and convenience stores
Rewards
Koins, currently 125 = £1
Paid by
Bank transfer

Checked by Scrimpr on 31 October 2026

26
GreenJinn Receipts · Website + App
Earn cashback on selected grocery products, often healthy or sustainable brands, when you upload your supermarket receipt. Community
16% 25 votes
Scrimpr 3.0/5
How GreenJinn works

Supermarket receipts

Pick the product offers you want in GreenJinn, then buy them at the supermarket, in store or online. Take a photo of your receipt to claim. Some offers give up to 100% cashback. New offers, tailored to you, arrive every Monday.

Getting paid

Claim to PayPal or your bank once you have £1.50. Payments usually take at least 5 working days.

Good to know

  • Offers focus on brands that are healthy or better for the planet, such as vegan and gluten-free products.
  • Run by MediaSight Ventures, a certified B Corp.

Key facts

Cost
Free to join
Where it works
Selected products at major supermarkets, in store or online
Minimum payout
£1.50
Paid by
PayPal or bank transfer

Checked by Scrimpr on 31 October 2026

27
Picodi Online shopping · Website + App
Earn cashback when you shop online through Picodi, which is mainly a discount code site. Community
16% 25 votes
Scrimpr 1.5/5
How Picodi works

Online shopping

Log in to Picodi and turn off any ad blocker, then choose a shop and click an offer through to the retailer. Start with an empty basket, then shop and pay as normal. You can use a discount code too.

Cashback appears in your Picodi account once the retailer confirms the order.

Getting paid

Withdraw to your bank, or some payment services, once you reach the minimum shown in your account.

Good to know

  • Cashback expires one year after it's approved, so withdraw it before then.
  • Picodi is mainly a discount code site, and its cashback rates are usually lower than the bigger cashback sites.

Key facts

Cost
Free to join
Where it works
Online at participating retailers
Paid by
Bank transfer

Checked by Scrimpr on 31 October 2026

28
Avios Points · Website + App
Collect Avios points when you shop online through avios.com or pay in store with a linked card, then spend them on flights and other rewards. Community
15% 33 votes
Scrimpr 2.5/5
How Avios works

Online shopping

Log in to avios.com with your British Airways Club account, find the retailer and select Shop now, then buy in one visit. The retailer's page shows how many Avios you get per £1.

Allow up to 35 days, or 90 to 120 days for travel, insurance and subscriptions.

In-store offers

Link up to 10 UK credit or debit cards to your British Airways Club account at least 24 hours before you shop, then pay with a linked card at participating retailers.

Avios usually show as pending within 10 days and are approved within 45 days.

Getting paid

You collect Avios points, not cash. Spend them on flights and other rewards.

Good to know

  • You also keep any points from the retailer's own loyalty scheme.
  • Refunds are deducted from the Avios you collect.

Key facts

Cost
Free to join
Where it works
Online and in store at participating retailers
Rewards
Avios points

Checked by Scrimpr on 31 October 2026

29
Shoppix Receipts · App only
Earn tokens for uploading any shopping receipt, in store or online, which you can swap for PayPal cash or gift cards. Community
15% 27 votes
Scrimpr 1.0/5
How Shoppix works

Any shopping receipt

Photograph the printed, itemised receipt from almost any UK shop within 7 days, or forward e-receipts from online orders. Each valid receipt earns 25 tokens, plus 5 more if you send it on the day you shop. Short surveys earn extra tokens.

Tokens count for your first 30 approved receipts in any 7 days, and one receipt per shop each day.

Getting paid

Swap your tokens for PayPal cash or gift cards, such as Amazon, Argos and Costa, once you have £5 worth.

Good to know

  • Run by the market research company Kantar. Open to UK residents aged 18 or over.
  • Receipts for travel, tickets, hotels and financial services don't count.

Key facts

Cost
Free to join
Where it works
Receipts from almost any UK shop, in store or online
Minimum payout
£5
Paid by
PayPal or gift cards

Checked by Scrimpr on 31 October 2026

30
HyperJar Gift cards · Website + App
Earn instant cashback when you buy gift cards for supermarkets, shops and restaurants in the HyperJar prepaid card app. Community
13% 32 votes
Scrimpr 2.5/5
How HyperJar works

Gift cards

Move money into your HyperJar account, then buy a Cashback Voucher for the retailer in the Cashback tab. Spend it online or in store with its barcode or card number. Retailers include Asda, Sainsbury's and Iceland, with up to 20% back at some brands.

Cashback is added to your HyperJar account instantly.

Getting paid

Cashback goes into your HyperJar account. Depending on the voucher, you choose money you can spend anywhere with your HyperJar card, or money for that brand only.

Good to know

  • HyperJar is a prepaid card and budgeting app, not a cashback site. You need photo ID to open an account.
  • If you don't spend a whole voucher, you update its balance in the app yourself.
  • The app also has other discounts and card rewards in its Shops tab.

Key facts

Cost
Free app, no monthly fee
Where it works
Online and in store at participating retailers
Paid into
Your HyperJar account

Checked by Scrimpr on 31 October 2026

Which pays the most? Compare live cashback rates

How the community rankings work

Scrimpr visitors rank cashback sites by picking the better of two. Beating a highly ranked site counts for more than beating a lower one.

Sites need 12 votes before they get a ranking. Community is the share of votes a site has won. Scrimpr is my own rating out of five.

Sign-up offers can change. * marks links I may earn from. 462 votes so far.

Full methodology

My Guide to Getting the Most Out of Cashback

The rankings above are a good place to compare cashback sites, but there’s a bit more to getting the most out of them than simply choosing the one at the top.

I’ve been using cashback sites for years, and below I’ll go through my personal favourites, whether paid cashback memberships are worth it, how much I’ve actually earned, and a few other ways to get more money back on your shopping.

My Favourite UK Cashback Sites & Apps

The community rankings above are based on everyone’s votes, but these are the three cashback sites I personally use the most.

They all work a bit differently, and I use each for different things. Here’s why they’ve earned a place in my cashback routine.

Best all-rounder: TopCashback

5,000+ UK retailers, often the highest rates, payouts via PayPal or bank transfer.

I’ve used TopCashback* since 2017 and it’s where I check first for almost any online purchase. Sign up free, search for the retailer you want, then click through to their site from TopCashback — that click is what tracks the sale. Shop as normal. The cashback normally appears as pending within a few days, then becomes payable once the retailer approves it. That might take a few weeks, or several months for things like insurance and mobile contracts. Withdraw to your bank, PayPal, or take it as a gift card (Amazon, M&S, Tesco, etc.) for a small bonus on top.

Example retailers: Mobile and broadband (Vodafone, EE, BT, Sky, Three, Virgin Media), insurance (Aviva, Direct Line, Admiral, Compare the Market, GoCompare), travel (Booking.com, Expedia, Trainline, Jet2, On the Beach), fashion (M&S, John Lewis, Boden, ASOS, Next), tech (Currys, Samsung), supermarket gift cards (Tesco, Sainsbury’s, Morrisons), plus energy switches and most major UK utilities.

How I use TopCashback: Mobile contract renewals (£30–£60 each), home insurance switches (£50–£100), and Samsung direct purchases (3–5% back). I also run any flight or hotel booking through it before checkout.

The only real downside with TopCashback is how long some cashback takes to pay out. I’ve had two mobile contract offers worth over £60 take more than five months, and one insurance offer took over a year!

Still, I’d rather get £60 in six months than not get it at all.

Get a sign-up bonus: Use my referral link below — you’ll get a bonus once you reach £10 in cashback, and I’ll get a small bonus too.

Join TopCashback* (opens in a new tab)

My TopCashback account showing £400+ in pending cashback
My TopCashback dashboard with over £400 currently pending.

Best for supermarket gift cards: EverUp

Instant cashback on supermarket and high-street gift cards, no tracking delays.

I used JamDoughnut* for years, but eventually switched to EverUp* because I was consistently finding better cashback rates at most supermarkets.

It works much the same way. Open EverUp before paying, buy a gift card for roughly what you’re about to spend, and get cashback instantly. You can then use the gift card to pay at the till, or online where supported. The cashback goes into your EverUp wallet straight away, and you can withdraw it to your bank once it’s built up, or put it towards another gift card.

Example retailers: Supermarkets (Tesco, Sainsbury’s, Asda, Morrisons, M&S Food, Waitrose, Iceland, Co-op), eating out (Costa, Caffè Nero, Wagamama, Greggs), high street (Argos, Currys, Boots, B&Q, Halfords, John Lewis, IKEA, H&M), entertainment (Cineworld, Vue, Odeon, Spotify).

I use it for pretty much every Tesco or Sainsbury’s shop, as well as the occasional purchase from Argos, Halfords or a chain restaurant. A few percent back on your weekly shopping soon adds up!

Worth knowing: Cashback rates change regularly, so it’s worth checking before you buy. A supermarket offering 5% one week might only offer 3% the next. Some gift cards also have maximum values, so you might need more than one for larger purchases.

Get a sign-up bonus: Use my referral link below (code: REF-SCRIMPR). Once you’ve earned £10 in cashback, you’ll receive 10 million bonus coins to use in EverUp’s games. These aren’t the same as £10 in cash. I’ll get a referral bonus too.

Current rates: Check my supermarket gift card comparison tool for today’s rates across EverUp, JamDoughnut, Airtime Rewards and others.

Join EverUp* (opens in a new tab)

My EverUp app showing supermarket gift card cashback earned
My EverUp wallet — instant cashback adds up across weekly shops.

Best for card-linked cashback: Airtime Rewards

Link your card, shop as normal, cashback paid as a discount on your mobile bill.

Airtime Rewards* is the most hands-off of the three. Link a Visa or Mastercard debit or credit card in the app, then shop as normal. When you pay with that card at a partner retailer, the cashback tracks automatically. Not every card or payment method counts, though: American Express, PayPal, Klarna and store cards don’t track.

It also has Airtime Link, which works like a cashback site for online shopping, and gift cards you can buy in the app.

Example retailers: Health and beauty (Boots), supermarkets (Morrisons), high street (Argos, B&Q, Foot Locker, Harvey Nichols, Tiso), plus a lot more.

How I use Airtime Rewards: Boots has been offering 7% cashback, which I’ve made good use of. Every time I pay in Boots with my linked card, it tracks automatically, including the £7 I got back on a One4All gift card I bought there.

Worth knowing: Rewards normally come off your mobile phone bill rather than being paid as cash. That suits me, but check your network is supported before you sign up. It works on EE, O2, Vodafone and Three, plus giffgaff and Lebara on pay as you go. On other networks you can ask Airtime to pay out to a card instead, but a fee and a monthly cap apply.

Get £2 bonus: Use my referral code BP8EWXLJ at sign-up. You’ll get £2 when you join and spend £5 within 7 days, and I’ll get a small kickback.

Join Airtime Rewards* (opens in a new tab)

My Airtime Rewards app showing a 7% cashback offer at Boots
My Airtime Rewards app showing the 7% Boots offer I use every month.

The habits I use to stop cashback failing to track are in my complete cashback guide.

Are Paid Cashback Memberships Worth It?

There are two kinds of paid cashback membership, and they work very differently.

Paid upgrades on free cashback sites

TopCashback and Quidco are both free to use, but each has a paid membership with a few extra perks.

  • TopCashback Plus costs £5 a year, deducted from your cashback rather than charged upfront. You get bigger gift card payout bonuses and extra referral rewards. New members are normally put on Plus automatically, but you can switch to the free Classic account.
  • Quidco Premium costs £1 in any month you shop through Quidco, and nothing in months you don’t. New members get a three-month free trial. You get higher cashback at selected retailers, bigger gift card bonuses and better referral rewards.

Whether they’re worth paying for depends on how often you use them. If the extra cashback and bonuses outweigh the fees, great. Otherwise, stick with the free versions.

Paid cashback clubs

Then there are the paid cashback clubs, such as NX Rewards and Complete Savings.

These are a different beast altogether. They typically offer 10% cashback on online shopping, with additional in-store or gift card benefits. That’s considerably more generous than most free cashback sites, and I use Complete Savings regularly.

The catch? They charge £18 a month.

You normally join through an offer shown after shopping with one of their partner retailers, rather than signing up directly. You can then claim a monthly bonus equivalent to the membership fee by submitting evidence of a qualifying purchase.

I use both Complete Savings and MyTime Rewards, and claim the monthly membership bonus on each by uploading a photo of a Tesco receipt. That effectively covers the subscription fees, but you’ve got to remember to do it every month!

My Funky Rewards is another similar scheme, although its £15 monthly fee and bonus conditions are different. Don’t assume that a receipt accepted by one scheme will work for another.

These schemes also have a controversial history. In October 2024, the Advertising Standards Authority upheld complaints about Complete Savings promotions that didn’t adequately explain the paid subscription and the steps needed to claim advertised rewards. The criticism wasn’t entirely unwarranted.

So, are they worth it? For me, absolutely. The higher cashback rates can make them considerably more rewarding than free alternatives, particularly if you shop online regularly.

But I wouldn’t recommend them to everyone. If you’re organised enough to claim the monthly bonus without fail, there’s good money to be made. If you’re likely to forget and end up paying £18 a month for something you barely use, give them a miss.

Read my full NX Rewards & Complete Savings guide on r/beermoneyuk for a more detailed explanation of the cashback, monthly bonuses, gift cards and negative press.

How Much Cashback Do I Actually Earn?

It’s all very well talking about cashback rates, but what does that actually mean in pounds and pence?

Here are a few examples of cashback I’ve earned in 2026, all from things I was buying anyway.

  • NX Rewards · Dell £166.43 10% cashback on a £1,664 Dell purchase, Feb 2026
  • TopCashback · Thomas Cook £32.04 Family holiday (£3,052), Feb 2026
  • Airtime Rewards · Boots £7.00 One4All gift card purchase, auto-tracked via linked card
  • TopCashback · John Lewis £4.78 Furniture order (£152), Jan 2026
  • TopCashback · Airport parking £4.00 £80 pre-booked parking, Feb 2026
  • NX Rewards · customer service credit £0.51 On a £25 purchase — small ones happen too, Jan 2026

Obviously, I don’t earn £166 every time I go shopping! Most months it’s a few quid here and there, with the occasional bigger payout when I buy something expensive. It all adds up, and I don’t have to change my shopping habits to earn it.

There is one thing worth remembering, though. Cashback is only worthwhile if you’re buying something you were going to buy anyway. Spending £100 on something you don’t need just to get £5 back isn’t saving money. It’s wasting £95!

Which Type of Cashback Site Should You Choose?

There’s no need to stick to one cashback site. I use several, depending on what I’m buying, and there’s nothing stopping you doing the same.

  • Online cashback websites: Best for bigger purchases like insurance, mobile contracts, holidays and electronics. Check which site pays the most, click through before you buy, then wait for the cashback to become payable. That can take months, but the bigger payouts are worth the wait. My cashback comparison tool shows which site pays most for a retailer.
  • Gift card cashback apps: Great for everyday shopping, especially the supermarket. Buy a gift card in the app before you pay, and the cashback usually lands straight away. I use these for pretty much every supermarket shop. My supermarket gift card comparison tool shows today’s rates.
  • Card-linked cashback: Probably the easiest of the lot. Link your card once, shop as normal, and the cashback comes in automatically at participating retailers. The downside is that there aren’t always many retailers taking part.
  • Receipt-based cashback: Take a photo of your shopping receipt and earn a few pennies, or sometimes a lot more for buying particular products. It’s not life-changing money, but it adds up.
  • Paid cashback clubs: These can pay much higher rates, but they only make sense if you earn enough to cover the fee. I’ve covered the pros and cons above.

You can use the filters in the rankings above to find sites offering each type of cashback.

Workplace Cashback & Discount Schemes

Before buying gift cards or shopping through your usual cashback app, it's worth checking whether your employer offers a workplace discount scheme.

These are often overlooked, but they can offer better rates than the cashback sites available to everyone. Some employers provide access to schemes like Reward Gateway, BHN Extras and Onsi, while Blue Light Card offers discounts to people working in certain professions.

If you've got access to one of these, make sure to check their rates before buying elsewhere. They're not always the cheapest, but you might be surprised at how good some of the offers are!

BHN Extras

Save money when you buy discounted gift cards to use at supermarkets, shops and restaurants, or earn cashback through eligible card offers.

Who can get it: Available if your employer offers it

Go to BHN Extras (opens in a new tab)

Blue Light Card

Get discounts on shopping, restaurants and days out, including discounted gift cards available to eligible workers.

Who can get it: NHS, emergency services, social care and armed forces

Go to Blue Light Card (opens in a new tab)

Onsi

Save money when you buy discounted gift cards, including Aldi gift cards, through a benefits app offered by companies you work with.

Who can get it: Available if a company you work with offers it, such as Amazon Flex

Go to Onsi (opens in a new tab)

Reward Gateway

Save money when you buy discounted gift cards or earn cashback when you shop online through your employer's benefits scheme.

Who can get it: Available if your employer offers it

Go to Reward Gateway (opens in a new tab)

Cashback FAQs

Are cashback sites safe and legit?

Yes, plenty of cashback sites are perfectly legitimate, although that doesn’t mean everything always goes smoothly.

I’ve been using TopCashback since 2017 and have always received the cashback I’ve been entitled to. I’ve had two purchases fail to track — a £12 Asda order and a £6 Currys order — but support sorted both out after I submitted missing cashback claims.

I’d stick to established sites, check reviews before joining anything unfamiliar, and remember that cashback isn’t guaranteed until it’s approved.

Which cashback site is best in the UK?

For general online shopping, TopCashback is my favourite. I’ve used it for years, and it’s consistently been one of the better-paying and more reliable options.

For supermarkets, I generally use EverUp, although JamDoughnut is worth checking too. The best rates change regularly, so there’s no point being loyal to one app if another is paying more!

For cashback that requires almost no effort, Airtime Rewards is hard to beat. Link your card once, shop normally, and let the cashback build up.

You can compare rates using my cashback comparison tools, or see how other Scrimpr visitors rank the sites above.

Is cashback actually worth it?

Absolutely, provided you’re getting cashback on things you were buying anyway.

A few percent back on supermarket shopping might not sound exciting, but it adds up over a year. Throw in the occasional mobile contract, insurance policy or expensive purchase, and you could earn a decent amount without much effort.

The important thing is to use cashback on purchases you were already planning to make, rather than buying something just because it comes with a reward.

What about subscription cashback sites like NX Rewards or Complete Savings?

I used NX Rewards, but I’ve since moved to Complete Savings, and the cashback rates can be excellent. Both schemes offer high cashback rates, but the £18 monthly subscription is a fairly significant catch.

You can claim a monthly bonus that covers the subscription fee if you meet the qualifying purchase requirements. I make sure I do this every month, but it’s not something I’d recommend if you’re likely to forget.

I’ve explained the different types of paid membership above, and there’s also my full NX Rewards and Complete Savings guide if you want to know more.

How long does cashback take to process?

It depends entirely on the retailer and the type of purchase.

Some cashback tracks within hours and becomes payable relatively quickly. Other offers, particularly mobile contracts, insurance and travel, can take months.

I’ve had a Just Eat purchase become payable in 48 hours, while one £60 TalkTalk cashback payment took five months. I’ve even had insurance cashback take over a year!

Can I use discount codes with cashback?

Sometimes, but be careful.

Some cashback sites let you use approved discount codes, while others won’t pay cashback if you use a code they haven’t listed.

I always check the terms before buying. If a discount code saves me more than the cashback, I’ll use the code. Otherwise, I’ll generally stick with the cashback.

Why isn’t my cashback showing up?

Usually, it’s because something has gone wrong with the tracking.

Ad blockers, browser settings, switching between websites and using unapproved discount codes can all interfere with cashback tracking.

My advice is to disable ad blockers for the purchase, accept the relevant tracking cookies, click through from the cashback site and complete your purchase without wandering off to another website.

If it still doesn’t track, submit a missing cashback claim. I’ve had to do this twice with TopCashback, and both claims were successful.

New to cashback? Read my complete UK cashback guide to learn how cashback works and how to get the most from it. To find the best rate for a particular purchase, use my cashback comparison tool or my supermarket gift card comparison tool.