Looking for the best cashback tools to save money every time you shop online? Cashback is one of the simplest ways to earn extra cash – whether you use a cashback website, card, app, or browser extension. By claiming cashback on everyday purchases, I’ve personally saved thousands of pounds. It’s an effortless way to reduce your spending on items you already plan to buy, without encouraging unnecessary purchases.
The different cashback tools that I use to save money:
In some cases, you can earn cashback from one or more of these websites, cards and apps at the same time – meaning double the rewards. For example, I often shop through TopCashback with my Curve card which is also connected to Airtime rewards, depending on the retailer I can sometimes earn rewards from all three.
The Best Cashback Websites and Apps
Cashback Websites
Retailers pay cashback websites a commission for sending customers to their site, and these websites pass that commission back to you as cashback.
How to earn with cashback websites:
- Sign up and search for the retailer you want to shop with.
- Click through to the retailer’s website & shop as normal.
- After your purchase tracks, withdraw your cashback as gift cards or transfer it to your bank.
Best cashback websites:
- TopCashback – TopCashback is one of the UK’s most popular cashback websites, and for good reason. I’ve earned over £1,000 from TopCashback now just by shopping through their site.
- Quidco – Quidco is very similar to TopCashback and is another essential cashback tool. The biggest advantage of using both is that you can compare cashback rates across the two platforms.
- Picodi – a new cashback site. You can currently get a £4 sign up bonus + £4 for each friend you refer.
Cashback on Gift Cards
If you regularly buy gift cards—for groceries, fuel, fashion, restaurants or digital services—using cashback gift card apps is one of the fastest ways to earn rewards. These apps allow you to buy e-gift cards at a discounted rate or earn instant cashback, helping you save money on everyday spending.
Here are the best apps that pay cashback on gift cards in the UK:
- Cheddar – Cheddar offers automatic cashback on selected retailers, but also frequently runs gift card cashback promos, such as earning £3 back when purchasing specific gift cards through the app. Promo code: BEEMON1 will earn you a £5 bonus.
- JamDoughnut – earn instant cashback every time you buy a digital gift card through the app. Popular retailers include supermarkets, clothing stores, restaurants and more. Once you hit £10 in rewards, you can withdraw your cashback straight to your bank account. Promo code: BKHT
- Everup – Everup rewards you in two ways when you buy a gift card plus bonus coins you can use in in-app games (raffles, scratch cards, spin-the-wheel). Promo code: REF-BEE-MONEY
- Raise – Raise is one of the largest and most trusted gift-card marketplaces, allowing you to earn cashback while also buying discounted gift cards.
- Gains – the Gains app launched in 2025 and offers cashback on gift cards. Promo code: SAVVY gets you a £2 bonus.
Cashback Cards
Cashback cards are one of the most reliable ways to earn rewards on everyday purchases. Unlike cashback websites or apps, these cards automatically give you a percentage back when you spend—making them perfect for people who want to earn rewards without thinking about it.
You can also stack cashback cards with many other tools mentioned in this post, such as Curve, Airtime Rewards and cashback websites, allowing you to maximise your returns on every purchase.
- American Express (Amex) – American Express offers some of the highest-paying cashback cards in the UK, making them a top choice for anyone looking to earn cashback consistently. You earn cashback or Membership Reward points automatically, and these can be redeemed for gift cards, travel, experiences, or statement credit.
- Curve Card – Curve isn’t a traditional credit card, but it offers 1% cashback at selected retailers when you pay using your Curve card. Curve is one of the best tools for stacking cashback across multiple platforms.
- Trading212 – The 212 Card from Trading 212 is a multi-currency debit card with no FX fees and true interbank rates. You can earn up to 1.5% cashback on eligible purchases — when you opt into their Cashback Investing promotion.
- Zilch – earn 2% cashback at selected retailers when using your Zilch card. I’ve been able to combine Zilch with PayPal+ to gain double cashback.
Airtime Rewards
The Airtime Rewards app rewards you when you shop at selected retailers with a linked payment card. You can then use this credit to pay your phone bill. Sign up, link your payment card(s) and effortlessly earn cashback at Argos, Boots, Morrisons and more.
AIRTIME REWARDS PROMO CODE: D4E3EPAA
You can use your Airtime Rewards linked card in combination with other cashback tools mentioned in this post! This is my favourite cashback app for gift cards, retailers and ease of use.
Shopmium
Get a range of free food, alcohol & beauty products from your local Tesco, ASDA, Sainsbury’s, Waitrose and more when you shop with Shopmium!
Claiming freebies from Shopmium is simple. First, download the Shopmium app, buy the item you want, scan the barcode of your item & upload a picture of your receipt. Shopmium will then refund the money back into your PayPal or bank account. If you combine this with a range of supermarket loyalty cards & offers, you can actually earn money for buying products!
I make sure to check this app every time I go shopping & I’ve managed to claim over £70 worth of free shopping so far through Shopmium. Get a bonus freebie when you register.
Amex – Cashback Card
A cashback or rewards card allows you to earn points on everyday transactions, which you can redeem for a wide range of retail and travel purchases. Amex is my top pick for rewards cards as I’ve claimed so many rewards from them, here’s my favourite:
American Express (Gold Rewards) – points worth up to £150
The American Express Preferred Rewards Gold credit card welcome bonus is worth up to £150 for new users. This is my favourite rewards credit card as it comes packed full of perks.
There are some conditions to be aware of:
- You’ll need to spend £3,000 in three months to get the bonus points.
- The card is free for 1 year, but has a £195 annual fee after that – so set a reminder if you plan on cancelling after 12 months (cancelling is easy online, in the app, or over the phone).
As well as the £150 worth of points you’ll also get £5 back on up to two Deliveroo orders each month and 4 free priority airport lounge visits. I took out my Amex card before a big purchase to increase my points.
NX Rewards – 10% online cashback
NX Rewards is a versatile cashback and rewards programme designed for everyday shoppers. It offers quick wins through bonuses, ongoing cashback, and monthly savings that can add up to over £400 a year.
Key Features:
- Welcome Bonus – Sign up and make a National Express purchase, then upload your receipt via the Welcome Rewards page or email. You’ll get confirmation within 48 hours, and the bonus is paid directly to your linked card.
- Monthly Bonus (£18/month) – Make any qualifying purchase—online or in-store through the NX Rewards network—and submit your receipt. There’s no minimum spend, and even simple in-store purchases (e.g., Morrisons) count.
- Cashback – 10% online via participating retailers when clicking through the NX Rewards portal & 2% in-store when you email your receipt to cashback@nxrewards.com
- Discounted Gift Cards – Buy one £100 gift card for £80 every month – an easy £20 saving.
NX Rewards operate a subscription model costing £18 per month but you can get the full cost of this refunded by claiming the monthly bonus.
Honey – Browser Extension
Honey is a browser extension that automatically searches for discount codes when you reach the checkout of an online shop. It’s available for all of the major web browsers and is much easier than manually searching for the best discount code. You’ll also earn ‘gold’ every time you use Honey to make a purchase. You can then redeem this gold for gift cards too!
Cashback Angel – Comparison Tool
While it’s brilliant to have so many options for earning cashback, it can be hard to know which one is offering the best rate on your chosen retailer. This is where Cashback Angel helps. Cashback Angel is a website and browser extension that helps you compare the best cashback rates for any given retailer.
Disclaimer: the idea with these deals is that you’ll get a percentage of your money back after purchasing something – don’t let this encourage you to buy things you don’t really want or need! Cashback is considered a discount from the retailer and thus, it doesn’t ordinarily count as income.
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