Best Cashback Sites UK Compared

Cashback sites pay you money every time you buy something through their links. The retailer pays the cashback site a commission for referring you, and the site shares that commission with you. It's completely free to join and use — and the amounts add up significantly over a year.

How much can you earn? Regular users of cashback sites typically earn £200–£500/year. Heavy users (who route all major purchases through cashback) can earn £800+/year.

The Top UK Cashback Sites

TopCashback

Consistently offers the highest cashback rates of any UK site. Free to join. Rates typically 10–30% higher than competitors on the same retailer. Over 5,000 retailers. Payments via bank transfer, PayPal, or as Amazon/gift vouchers (gift voucher rates are often higher).

• New member bonuses often available (currently check their site)
• Insurance switching can pay £50–£100 cashback per policy
• Broadband and energy switching regularly pays £50–£100

Quidco

The second-largest UK cashback site. Good competition with TopCashback — rates vary by retailer so it's worth checking both. Has a premium membership (£5/year) that unlocks higher rates, but the free tier is fine for most people.

Topcashback vs Quidco — Which is Better?

There's no single winner — rates vary by retailer and change constantly. The smart move is to sign up to both (it's free) and always check which is paying more before a purchase. A browser extension like Honey or Karma can alert you when cashback is available.

Where Cashback Makes the Most Difference

Category	Typical cashback
Insurance (car, home, travel)	£30–£100 per policy
Energy switching	£30–£75
Broadband / TV packages	£50–£120
Credit cards (via referral)	£20–£50
Mobile phone contracts	£30–£80
Online shopping (fashion, tech, etc.)	1–15%
Hotels & travel	2–8%
Supermarket online	1–3%

Cashback Credit Cards

On top of cashback sites, a cashback credit card earns you money on everything you spend — even when you're not buying through a cashback site. The key rule: always clear the balance in full every month or the interest will wipe out the cashback.

• American Express Platinum Cashback Everyday — 5% for first 3 months, 0.5–1% after. No annual fee.
• American Express Platinum Cashback — higher rates but £25/year fee. Worth it if you spend £5,000+/year on it.
• Chase UK — not a credit card but 1% cashback via debit card for 12 months

Other Cashback Apps Worth Using

• Shopmium — cashback on specific branded grocery products in supermarkets. Good for weekly shop savings.
• CheckoutSmart — similar to Shopmium for supermarket branded deals
• Airtime Rewards — links to your debit/credit card and earns cashback automatically when you shop at participating retailers. Cash goes off your phone bill.
• Topcashback In-Store — link your card to earn cashback in physical shops too

Patience required: Most cashback takes 1–3 months to track and confirm before you can withdraw it. This is normal — the site waits until the purchase can no longer be returned or disputed. Don't sign up expecting instant cash.