Cashback Stacking UK
Want to boost your everyday savings with minimal effort? Learn how to stack multiple cashback offers—using cashback cards, gift-card deals and rewards sites together—to earn on every purchase as efficiently as possible.
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.
| Card / Service | Cashback Rate | Description |
|---|---|---|
| Uphold Card | 1% | Multi-asset wallet offering 1% cashback in GBP. |
| Trading 212 Card | 1.5% | Investing platform that automatically invests cashback. |
| Zilch | 0.5% standard up to 5% at partners |
BNPL service—extra rates at select retailers. |
2. Building Blocks of Cashback Stacking
2.1 Cashback-Enabled Debit Cards
Base layer: 0.5–1.5% on everyday spend using a cashback debit card. Calculate monthly/yearly savings here.
Base layer ×2: 1.5–2% on everyday spend — stack multiple cards together for higher effective rates. You may use one cashback debit card, or you may stack several together.
2.2 Instant-Cashback Gift Cards
How it works: Buy a gift card at a discount via a provider, immediately earn cashback, then spend it at the retailer.
- Widilo: £5 sign-up bonus + ~6% at M&S, ~4.5% at Asda.
- Jam Doughnut: £3 instant cashback + ~6% on Sainsbury’s.
- Everup: Bonus coins, ~6–8% at selected retailers.
2.3 Traditional Cashback Portals
Sites: TopCashback, Quidco, NX Rewards, Rakuten
Role: Click through to the merchant and earn cashback on tracked purchases.
2.4 Airtime Rewards (Passive App)
What is it? Airtime Rewards connects to your card; earn ~2% at Aldi, Boots, etc., automatically in the background.
Challenges: Watch for limited-time “spend £X, earn £Y” bonuses and activate them.
2.5 Loyalty Points
Examples: Nectar (Argos), Tesco Clubcard, Avios — stack retailer points alongside your card and portal rewards.
3. Typical Cashback-Stacking Order
Debit-card cashback (0.5–2%)
Instant-cashback gift card discount (5–20%)
Cashback portal rebate (2–15%)
Loyalty points (0.5–1% value)
| Step | Cashback Tool | Description |
|---|---|---|
| 1 | Cashback Debit Card (e.g. Trading 212) | Earn up to 1.5% cashback automatically when spending. |
| 2 | Gift Card (e.g. NX Rewards) | Buy discounted gift cards with up to 20% cashback at major retailers. |
| 3 | Cashback Portal (e.g. TopCashback) | Get an extra 12% cashback by shopping via cashback sites. |
| 4 | Loyalty Points (e.g. Nectar or Clubcard) | Collect 0.5% equivalent cashback in store loyalty points. |
| Total Potential Cashback | 34% | |
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:
Buy a gift card (e.g. £100 M&S) via provider app.
Provider gives you the code and instant rebate (6% = £6).
Spend the gift card in-store or online.
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:
Gift card discount: Buy £100 One4all for £80 via NX Rewards (20% off).
Airtime Rewards: Link card for 2% back as you spend.
Portal rebate: Click “Argos” on NX for 12% back on bench purchase.
Offline: Submit paper receipt to NX for 2%.
Nectar points: Collect standard points at checkout.
Total stacked savings: 20% + 2% + 12% + 2% = 36% → you pay £64.
6. Conclusion
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).
FAQ’s
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Cashback stacking is the practice of combining multiple rebate methods—like cashback debit cards, gift card discounts, cashback portals, and loyalty schemes—on a single purchase to maximise savings.
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Yes, it’s completely legal. You’re simply using available promotions in smart combinations. Just ensure you’re using reputable providers (like Widilo, NX Rewards, iFast, etc.).
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Depending on the method, you can often save 15–40% on select purchases. For example, using a 20% discounted gift card, a 2% cashback card, and a 12% portal rebate can stack to 34%+.
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Here’s a typical stacking sequence:
Use a cashback debit card to fund.
A discounted gift card purchase via a provider like Jam Doughnut
Click through a cashback portal to buy with that gift card
Submit the receipt for offline cashback (if allowed)
Collect loyalty points at checkout
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They’re vouchers purchased through apps like Widilo or Jam Doughnut. When you buy one, you get instant cashback (e.g. 6% on M&S) credited to your account.
Check out our cashback comparison tool here to find the best rate at your chosen retailer for gift cards.
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Yes—use instant cashback gift cards, connect your card to Airtime Rewards, and submit paper receipts to platforms like NX Rewards for offline cashback.
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Yes! For example:
Widilo: £5 bonus
Jam Doughnut: £3 instant cashback
These can be stacked on top of other offers.
See all here.
