How to Get Instant Cashback on Your Shopping - Up to 20%

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Traditionally, cashback has been a slow process. While platforms like Top Cashback and Quidco offer fantastic high cashback rates and deals, they can take time to pay out. Enter cashback debit/credit cards and gift card providers, which offer quicker returns on your spending.

Cashback Debit/Credit Cards

Cashback debit and credit cards are straightforward. You'll receive a percentage of cashback on your spending, either everywhere or with specific retailers. For instance, American Express (Amex) has cards that pay up to 5% cashback on your spending.

Our top pick, however, is Zilch. Zilch is a buy now, pay later provider that offers up to 5% cashback on your purchases. Since supermarket spending is a necessity, here are a few examples of their cashback rates:

• 2% cashback at Aldi

• 2% cashback at Tesco

• 4% cashback at Morrisons

The trick with Zilch is to pay straightaway. Although Zilch allows you to pay over time, paying immediately ensures you receive the cashback bonus. You simply connect your normal debit card to Zilch. When you buy something, the amount is deducted from your debit card, and you receive the extra cashback to use. Just make sure to search for the retailer on Zilch to enable the card, and you’ll save a significant amount of money throughout the year! Plus, Zilch gives you £5 free when you sign up!

Gift Card Providers

Gift card providers offer instant gift cards that can be bought to the exact value needed, with an added instant cashback bonus. These companies partner with retailers through affiliate agreements to generate more traffic, sharing their kickback with you. There are several sites to compare for the best deals. Here are a few with their sign-up bonuses:

• Jam Doughnut: £3 (Enter code - 2YS4)

• Cheddar: £4

• Swipii: No bonus

• Everup: 10 million coins

How It Works:

1. Buy the Exact Amount You Need: For example, if you need £100 for a Sainsbury's online food shop, Jam Doughnut offers the highest rate of 4.4% cashback at the time of writing.

2. Purchase Your Gift Card: Jam Doughnut will give you £4.40 back in cashback. You can redeem this to your bank account or use it to purchase more gift cards (at a further enhanced rate!).

3. Complete Your Purchase: Use the gift card code at checkout. The cards can be used multiple times until the value is depleted, and they typically have a long expiry date. You can buy the exact amount you need, down to the nearest pound.

Purchasing gift cards involves a little more admin but is a quick process. You can save on average around 4-5% on most of your purchases throughout the year!

Conclusion

Using Zilch and gift card providers can significantly increase your savings. Zilch is simple to use—just add the card to your Apple Pay (or other contactless method). Gift cards require a bit more effort but offer great savings. Whether you prefer the straightforward approach of Zilch or the strategic purchasing of gift cards, both methods ensure you get your cashback instantly and effortlessly.