From supermarket shopping to booking summer vacations, you can make money on almost everything.
Cashback websites, apps and cards can net you hundreds or even thousands of pounds. top cashbackFor example, it assumes that its average user earns £345 per year.
Laura Whatley explains how to make the most of all the plans. , , To supercharge your earnings.
click to earn
Free-to-join cashback websites like Quidco and Topcashback are the first places to start.
Simply log in and check if the store you plan to buy from is offering cashback. Then click on the link from the Cashback website and fill your basket as you normally would. Shops pay a percentage which can be anything between one and 40 percent of your expenses or a certain amount. For example, Topcashback is offering £36 if you get a car insurance quote from GoCompare and then buy a policy.
It usually takes a few weeks for the cashback to be paid to your digital wallet on the sites. You can then transfer the money to your bank or PayPal account. Or you can convert your earnings into vouchers for multiple stores, to get a slightly higher amount. Another site, Kidstart, lets you ramp up your kids’ savings by earning cashback when they shop with over 2,500 brands.
Use cashback sites only when shopping for items you would be buying anyway. If one store is offering a good cashback rate but another has the item you want at a lower price, go for the latter.
wear lots of clothes to stay warm
Pay more cashback by layering where possible. Access the Cashback website, then pay with a Cashback credit card and use a loyalty card like Nectar or Boots Advantage to collect points as usual.
Increase your earnings by referring friends. , , And they’ll thank you when their own cashback starts rolling in.
Kidstart and Airtime Rewards pay up to £5 for referrals, while Topcashback pays up to £30.
Other companies you can use, such as BT and Virgin Media, offer £50 gift cards.
Pay-Now-Buy-Later with Giftcards
If you buy gift cards or credits for the places you’ll shop, you can get extra generous cashback rates.
This trick is great if you’re definitely going to Asda to pick up your groceries, for example, or if you’re about to buy a new washing machine at Currys.
The JamDoughnut app lets you buy credits with over 100+ famous brands and earn cashback in the form of points.
One point is worth 1p and you can get your payout after you’ve racked up £10.
On the TopGiftCards section of TopCashback, you can buy cards for a ton of stores and restaurants. Do this only if you are planning to buy something special in the near future. Otherwise, you run the risk of not using your card before its expiration date. Plus, it could be worthless if the company goes bust.
The app is offering 6 percent cashback when you buy credits on TK Max to spend in-store or online. So buy £20 and you will get 120 points worth £1.20.
receipts = vouchers
Earn cashback at your weekly shop by cutting your receipt with apps like HuYu and Shoppix.
They sell information to companies that want to understand the buying habits of customers.
10p gives you Huyu 5p points when you scan a paper receipt from a major supermarket, or forward an email receipt. For every 500 points you earn, you get a £5 voucher, which you can spend on many places including Amazon, Argos, Asda and more.
With Shoppix you earn tokens for every receipt you receive from any shop, other than travel companies. When you have 3,200 tokens in your online account you can withdraw £5 via PayPal or a voucher for Amazon or iTunes.
Snap up to 30 receipts a week and you’ll typically receive 30 tokens for each.
Pay phone bills with PASTIES
Fancy getting paid to eat sausage rolls? The Airtime Rewards app lets you link debit cards, including Apple Pay, to your site.
Whenever you spend on Greggs, Boots, Tesco, Argos etc you get money from your phone bill.
Normally you get £1 back per purchase and the app said users do this three or four times a month. Once you’ve earned £10, you can use it to pay for your next phone bill from O2, Three, EE, Giffgaff or Vodafone, if you pay monthly – or receive a payment voucher as Pay We do.
Have an account in the digital bank Monzo or Starling? Sign up for Flux to earn cashback when you shop at multiple locations, including Just Eat and ordering food from KFC.
bank a bonus
A lot of banks will pay you cashback for changing your account and paying a certain amount. HSBC offers £170 on its Advance account, First Direct pays £150 on its First account, Club Lloyds account pays £125 and Nationwide’s FlexDirect pays up to £125.
You can also earn cashback on bills paid by direct debit from Santander’s 123 Lite account, but with a monthly fee of £2. It pays three percent on water bills, two percent on energy, and one percent on council taxes, mobile phones, broadband, TVs and any Santander mortgages.
Cashback is limited to £5 per month for each level, so you can earn up to £15 and your bills will have to be huge to get it.
Digital bank Chase offers one percent cashback on debit card purchases in the first year, but there is a five-week wait for account opening.
be card smart
Cashback credit cards let you earn every time you make a purchase, but you’ll need a good credit score to qualify. Pay your balance in full every month, otherwise the interest cancels out the benefit.
The best of the bunch is the American Express Platinum Cashback Everyday Card, which pays five percent on your first three months of spending, up to a maximum of £100 cashback. After that it pays 0.5 percent on spending up to £10,000 per year and you’ll need to spend a minimum of £3,000 per year to earn anything. It pays a percentage on any expenses in excess of £10,000 a year.
Amex typically runs several “Shop Small” promotions each year where cardholders typically earn £5 on £15 spent at selected local stores for a set period – the next is June 13-26. Before applying for any credit card, use an eligibility checker such as the one at MoneySavingExpert.com to see if you are likely to be accepted.
‘Steak Bake and Gift Card Pay off’
Cashback king and Thrifty Chap blogger Joseph Seeger, 36, has earned over £4,000 over the past ten years through Quidco, Topcashback, Shopmium and other apps.
Leyland, the father of three Lanx children, used airtime rewards for a year and earned £30, which included three months of his EE Mobile contract.
He says: “Yeah, you can really help pay your phone bill by baking a steak!”
Joseph also earns cashback by purchasing an Asda GiftCard on the JamDonut app prior to his weekly shop, depositing £200 a year.
He adds: “I’m generally not a big fan of gift cards because of the risks (in case a store goes bad) but if you use them straight away, they can be great.”
At the supermarket he uses the Shopmium and CheckoutSmart apps to get cashback on personal products like ice cream or wine – and sometimes even freebies.
‘Dollars for the Holes Provide Extra Boost’
Since signing up for Topcashback in June 2021, savvy shopper Sandy Drew has amassed a whopping £1,300.
Now the 54-year-old operations director of Cockfield, Co Durham, says she is hooked.
Sandy has used it for everything from servicing her car at QuickFit to ordering pizza from Domino’s and booking flights on Opodo.
She also bought Christmas presents for her husband. Says Sandy: “I often go to the shopping center to see what I want to buy and then go back home to find out where I can get the best cashback.
“I’m also saving up for a cruise to Orlando in September.
“I will use the money in my TopCashback wallet to buy dollars for travel with Post Office Money, with an additional cashback boost on top.”
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