A Complete List of UK Cashback Debit Cards

This guide covers cashback debit cards available to UK consumers in 2025. I've compiled information on the main options for earning rewards on everyday purchases through your debit card. Below you'll find details on eligibility requirements, cashback rates, and terms for each card to help you compare options and understand which might suit your banking needs.
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Complete list of UK cashback debit cards

Maximising rewards on every transaction is essential for getting the most from your spending. Cashback debit cards are one of the best ways to do that.

These debit cards give you money back on purchases automatically, making them one of the easiest ways to boost your earnings on everyday spending.

I have most of the cashback credit cards available in the UK. Because most come with monthly cashback caps or category restrictions, so having a mix of cards ensures I can always get cashback without needing a credit card.

Many of these offer attractive sign-up bonuses that make them worthwhile even before you consider the ongoing rewards…

Complete Guide to Cashback: Everything You Need to Know

Key Statistics: With typical cashback rates of 4%, UK households could save £192+ annually on groceries and fuel alone.

Save Money on Every Purchase with Top UK Cashback Sites and Apps

As prices for everyday essentials continue to rise, finding ways to cut costs is more important than ever. According to recent data, UK households spend an average of £3,800 a year on groceries (NimbleFins | AHDB). Households also spend an average of £1000 a year on fuel to get around (Office for National Statistics). With this in mind, cashback websites and apps offer a simple way to reduce your spending by earning money back on purchases you already make.

Many supermarkets and retailers also budget cashback offers into their pricing strategies, meaning that by not using these platforms, you're leaving money on the table. It's a smart and easy way to cut costs on your everyday essentials like groceries and fuel, without changing your shopping habits.

How Much Can You Save with Cashback Sites?

By taking advantage of cashback offers on everyday purchases, you can receive:

  • 1% to 10% back at supermarkets and most shops (online and in-store)
  • Bonuses for first-time users or referring friends
  • Around 4% cashback on groceries and fuel typically
Example: Using the official spending figures above, a typical household could potentially save up to £192 per year (4% of £4,800) through cashback offers on groceries and fuel.

What Are Cashback Websites and How Do They Work?

Cashback websites act as intermediaries between shoppers and retailers. The process is simple:

  • You click through a cashback site before making a purchase
  • The cashback site earns a commission from the retailer for referring you
  • Instead of keeping all that commission, the cashback site shares a portion with you
  • That shared portion is your "cashback"

Types of UK Cashback Platforms Compared

Cashback Debit Cards

Several UK banks and FinTech companies now offer debit cards with built-in cashback features. I cover these in detail in my complete guide to cashback debit cards:

  • Uphold offers 1% cashback on almost all spending
  • Chase, Nationwide FlexDirect, and Santander's Edge account also offer cashback
  • Bank cards usually have stricter restrictions on what qualifies

Best for: All everyday spending

Traditional Cashback Websites

Sites like TopCashback and Quidco are comprehensive cashback platforms covering everything from online shopping to service signups. You visit the cashback site first, then click through to complete your purchase or signup. I use both of these regularly and they offer:

  • The widest range of retailer partnerships for online shopping
  • Fixed cashback amounts for bank switches, broadband contracts, and energy switching
  • Often the highest rates for big purchases like holidays, insurance, and utilities
  • "Get paid to" (GPT) offers for service signups like streaming platforms and software subscriptions

I track these signup offers across multiple platforms in my GPT offer comparison tool to find the best rates.

Best for: Major purchases, service switching, and planned online shopping

Cashback Apps

Apps like EverUp, Airtime Rewards, and Jam Doughnut specialize in:

  • Mobile shopping and gift card purchases
  • Instant cashback when you buy gift cards for in-store use

Best for: High-street shopping and retail purchases

Card-Linked Offers

Services that connect directly to your payment cards track purchases automatically without needing to visit a website first. You simply register your card once, then earn cashback whenever you shop at participating retailers.

Best for: Everyday spending where you might forget to claim cashback

Receipt Scanning Apps

Apps that reward you for uploading photos of your shopping receipts after purchase. While technically not pure cashback, these complement cashback sites well. I maintain a comprehensive list of receipt scanning apps if you want to explore these further.

Best for: Claiming multiple rewards from a single shopping trip

Pro tip: I've found that combining multiple cashback methods works best – use a cashback debit card while also shopping through cashback websites or apps. This is called cashback stacking and can significantly increase your earnings.

Most cashback sites are free to join, though some premium services like NX Rewards charge a monthly fee. From my experience using these platforms regularly, I've joined every major cashback site available - many are worth signing up for just to claim the referral bonus.

Top Cashback Categories for Maximum Savings

Groceries and Everyday Essentials

With food prices higher than they have been in years, supermarket cashback should be essential for all households. I track rates across all major platforms in my supermarket cashback comparison tool.

  • Supermarket gift cards typically offer 3-5% cashback
  • Occasional promotions push this to 7-10%
  • Most UK supermarkets participate: Tesco, Sainsbury's, ASDA, Morrisons, and Waitrose

Popular apps: EverUp, Jam Doughnut, and TopCashback's TopGiftcards service.

Travel and Holidays

Travel bookings often feature the highest cashback percentages. From my experience booking trips through these platforms:

  • Hotels: 5-12% on major booking sites
  • Flights: 1-4% on airlines and comparison sites
  • Package holidays: 2-8% on travel agencies
  • Car hire: 6-12% on rental services

I use TopCashback and Quidco for all my travel bookings as they typically offer the best rates. Always book travel through these platforms to avoid leaving significant money on the table.

Energy and Utility Switching

Energy, broadband, and mobile contract switches can earn substantial fixed cashback amounts:

  • Energy suppliers: £30-£60 per switch
  • Broadband packages: £50-£120 for new contracts
  • Mobile contracts: £30-£100 for new plans

Quidco Compare and TopCashback often have exclusive utility switching deals that other platforms can't match.

Banking and Financial Products

Financial products offer some of the highest-value cashback opportunities:

  • Credit cards: £10-£30 for approved applications
  • Current accounts: £50-£150 for switching banks
  • Insurance policies: 5-25% cashback on premiums
  • Investment platforms: £50-£250 for new accounts (depending on deposit amount)

Always check the specific requirements to qualify for financial product cashback, as these often have the strictest terms.

Common Cashback Problems and Solutions

Tracking Issues

Problem: Your purchase doesn't track or show in your cashback account.

Solution: Always clear cookies before clicking through to retailers, disable ad blockers when using cashback sites, and take screenshots of your orders. Most platforms have missing cashback claim forms if tracking fails.

Payment Delays

Problem: Cashback takes months to become payable.

Solution: Be aware of typical tracking times for different retailers (travel and financial products are notoriously slow). Plan your withdrawals around these timeframes and consider platforms with faster payment options for urgent needs.

Account Restrictions

Problem: Cashback account limitations or suspensions.

Solution: Carefully follow platform terms of service, avoid using VPNs when making tracked purchases, and maintain consistent personal details across all shopping activities.

Declined Cashback

Problem: Tracked cashback later shows as declined.

Solution: Always check exclusions before purchasing (some sale items, discount codes, and multi-buy offers may invalidate cashback). Keep detailed records of purchases to contest unfair declines.

The Best UK Cashback Platforms

My two favourite cashback platforms that I use regularly. There are alternatives listed further down, but these are the two sites I use the most.

Topcashback

BeermoneyUK's favourite

The best all-round cashback platform with reliable payouts and exclusive offers

2005
Founded
6000+
Retailers
£10
Bonus
Cashback at 1000s of popular online stores
Cashback on giftcards via Topgiftcards
Some offers take a while to credit
Visit Topcashback
Has been paying out cashback since 2005

JamDoughnut

Best for supermarkets

Original instant cashback app with instant payouts

2019
Founded
200+
Retailers
£3
Bonus
Highest in-store supermarket cashback rates available
Instant cashback - no waiting periods
Limited to gift card purchases only
Visit JamDoughnut
Instant cashback on gift card purchases

Scrimpr Cashback Tools

Use my tools to instantly find the highest cashback rates across TopCashback, Jam Doughnut, EverUp and more. Updated daily so you never miss the best deals.

Supermarket deals

Supermarket cashback

Compare instore cashback rates for UK supermarkets

Search Tesco, ASDA, M&S...
20+
Retailers
10
Platforms
3-5%
Rate
EverUp JamDoughnut Onsi
Compare rates
In-store cashback
Cashback comparison

UK cashback rates

Find the highest cashback rates from popular UK cashback websites

Search brands & retailers...
4
Sites
1000+
Brands
12%
Max rate
Quidco TopCashback Rakuten
Find best rates
Most accurate
Get paid to

GPT offer search

Compare which sites offer the best rewards for games and offers

Search offers & games...
40
Sites
Daily
Updates
30
Offerwalls
Swagbucks Freecash RewardXP
Compare offers
Updated daily

Cashback FAQs

Are cashback sites safe and legit?

Yes, established cashback sites like TopCashback, Quidco, and others are legitimate businesses that have been operating for years. They make money by taking a commission from retailers and sharing part of it with you. Always stick to well-known platforms and check reviews before joining newer sites.

Which cashback site is best in the UK?

TopCashback and Quidco are the two largest and most reliable options, each with different strengths. TopCashback often has higher rates for online shopping, while Quidco excels at utility switching deals. I use both regularly and recommend comparing rates for your specific purchases using comparison tools.

Is cashback actually worth it?

Yes, especially if you're making purchases you'd make anyway. With typical household spending, you can easily save £100-300+ per year through cashback without changing your shopping habits. The key is being consistent and using cashback for all eligible purchases, not just occasional ones.

Is Cashback Taxable in the UK?

For most users, cashback is considered a discount on purchases rather than income, so it's not subject to tax. However, if you're earning substantial amounts from referral bonuses or operating as a business, it may be taxable. Consult with a tax professional if uncertain.

How Long Does Cashback Take to Process?

Tracking typically appears within 24-72 hours, but the time until cashback becomes payable varies by retailer—from a few weeks to several months. Quick-paying categories include retail shopping (2-4 weeks) while slow categories include travel and financial services (3-6 months).

Can I Use Discount Codes with Cashback?

It depends on the platform and retailer. Some sites allow specific "approved" voucher codes while others invalidate cashback if any code is applied. Always check the cashback site's terms for each retailer before applying discount codes.

Why isn't my cashback showing up?

Common causes include using ad blockers, not clearing cookies before shopping, or clicking away from the cashback site during purchase. Always disable ad blockers, clear cookies, and complete your purchase in one session. Most sites have missing cashback claim forms if tracking fails.

What Happens if a Retailer Goes Bust Before Cashback is Paid?

Unfortunately, if a retailer goes into administration before paying the commission to the cashback site, you may lose your pending cashback. This is why it's often worth accepting slightly lower "accelerated" cashback options when available for troubled retailers.

Do Cashback Rates Apply to VAT and Delivery Charges?

This varies by retailer. Some calculate cashback on the total spend including VAT and delivery, while others only apply it to the product price. The cashback site's retailer page usually clarifies this information.

Cashback FAQs: Everything You Need to Know

My two favourite cashback platforms that I use regularly. There are alternatives listed further down, but these are the two sites I use the most.

For most users, cashback is considered a discount on purchases rather than income, so it's not subject to tax. However, if you're earning substantial amounts from referral bonuses or operating as a business, it may be taxable. Consult with a tax professional if uncertain.

Tracking typically appears within 24-72 hours, but the time until cashback becomes payable varies by retailer—from a few weeks to several months. Quick-paying categories include retail shopping (2-4 weeks) while slow categories include travel and financial services (3-6 months).

It depends on the platform and retailer. Some sites allow specific “approved” voucher codes while others invalidate cashback if any code is applied. Always check the cashback site's terms for each retailer before applying discount codes.

Unfortunately, if a retailer goes into administration before paying the commission to the cashback site, you may lose your pending cashback. This is why it's often worth accepting slightly lower “accelerated” cashback options when available for troubled retailers.

This varies by retailer. Some calculate cashback on the total spend including VAT and delivery, while others only apply it to the product price. The cashback site's retailer page usually clarifies this information.