Cashback Stacking UK

Cashback Stacking

Cashback stacking lets you layer different savings on one purchase—think using a cashback card, a gift-card discount, and a rewards site all at once. With so many UK fintech apps and loyalty programmes popping up, it’s an easy way to boost your savings by hundreds of pounds a year. Below you’ll find the latest updates, step-by-step tips, real examples, and advice on keeping your strategy working even as offers change.

1. Chase Cashback Slashed – What’s Happened?

On 7 April 2025, Chase UK dramatically cut its flagship 1% unlimited debit-card cashback. While you can still earn 1% on groceries, transport & fuel, the broad “everywhere else” rebate has disappeared. If you’ve relied on Chase as your go-to rewards card, now is the time to find alternatives to keep earning.

(Cheddar now pays less on debit vs. bank transfer—avoid debit spending for cashback there.)

2. Building Blocks of Cashback Stacking

2.1 Cashback-Enabled Debit Cards

• Base layer: 0.5–2% on everyday spend - using one of the above cards. Calculate monthly/yearly savings here.

• Base layer x2: 1.5-2.5% on everday spend - stack multiple above cards together.

• Example: Zilch - Curve - iFast = 2.5% / Zilch - Curve - Uphold = 1.5%

2.2 Instant-Cashback Gift Cards

• How it works: Buy a gift card at a discount via a provider (e.g. Widilo, Jam Doughnut), immediately earn cash back.

• Top picks:

• Widilo: £5 sign-up bonus + 6% off M&S, 4.5% Asda etc.

• Jam Doughnut: £3 instant cashback + 6% on Sainsbury’s

• Everup: Bonus coins, 6–8% at selected retailers

• Here’s our cashback comparison tool to work out the best rates for you required shop.

2.3 Traditional Cashback Portals

• Sites: TopCashback, Quidco, NX Rewards, Rakuten

• Role: Click through to merchant and earn cashback.

2.4 Airtime Rewards (Passive App)

• What is it? Connect your card; earn 2% at Aldi, Boots, etc., automatically in the background. Also connect your discounted One4all vouchers from NX Rewards to earn additional cashback!

• Challenges: Limited-time “spend X, earn £Y” bonuses.

2.5 Loyalty Points

• Examples: Nectar (Argos), Tesco Clubcard, Avios

2.6 Submit Receipts

• How it works: NX Rewards allow you to submit in-store receipts via email to earn an additional 2% cashback - this works at most UK retailers. Our users have also had luck submitting paper receipts from online products!

3. Typical Cashback-Stacking Order

1. Debit-card cashback (0.5–2.5%)

2. Instant-cashback gift card discount (5–20%)

3. Cashback portal rebate (2–15%)

4. Offline receipt submission (2%)

5. Loyalty points (0.5–1% value)

Tip: Always use your cashback-card to buy the gift card, then click through your cashback portal to purchase it—earning twice on the same transaction. Calculate your savings with our calculator here.

4. Instant Cashback Explained

Instant cashback providers let you buy gift cards that immediately credit your account:

• Process:

1. Buy a gift card (e.g. £100 M&S) via provider app.

2. Provider gives you the code and instant rebate (6% = £6).

3. Spend the gift card in-store or online.

4. Withdraw or spend your cashback once you’ve hit the minimum (usually £5–£15).

• Key providers: Widilo, Jam Doughnut, Everup, Cheddar, Tuck

• Bonus: Most providers have sign-up offers (e.g. Widilo £5 bonus, Jam Doughnut £3 free).

5. Extreme Argos Bench Example

You want a £100 bench from Argos:

1. Gift card discount: Buy £100 One4all gift card for £80 via NX Rewards (20% off) paying with Zilch (connected to iFast - 2.5%).

2. Airtime Rewards: Link card for 2% back as you spend.

3. Portal rebate: Click “Argos” on NX for 12% back on bench purchase.

4. Offline: Submit paper receipt to NX for 2%.

5. Nectar points: Collect standard points at checkout.

Total stacked savings: 22.5% + 2% + 12% + 2% = 38.5% → you pay £61.50.

6. Conclusion & Fluid Landscape

Note: Schemes change quickly— debit card promotions get deactivated, portals lower rates, or impose new T&Cs. Keep up-to-date via our Facebook community, where members share live reports on which stacks still work (and which have been axed).

In our opinion, NX Rewards paired with multiple cashback debit cards (iFast/Uphold with Zilch) remains the most flexible and lucrative stacking method. But always shop around, test small amounts first, and enjoy the thrill of stacking while the window is open!