Independent UK money guides & free tools
SAVE MONEY

Cashback & Rewards

Cashback and loyalty schemes can help, but only when the underlying purchase still makes sense.

Decide first

Choose whether the purchase is worthwhile without counting cashback. Then check whether a reputable reward is available.

Read the conditions

Tracking can fail, exclusions can apply and rewards may take time to become payable. Keep evidence for larger expected rewards.

Avoid false savings

Points, vouchers and cashback have no value if they lead you to spend more than you otherwise would.

Last reviewed: 24 September 2026