Best Cashback Sites UK Compared
Cashback sites pay you money every time you buy something through their links. The retailer pays the 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.
The Top UK Cashback Sites
TopCashback
Consistently offers the highest cashback rates. Free to join. Rates typically 10–30% higher than competitors on the same retailer. Over 5,000 retailers. 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 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 check which is paying more before each purchase.
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 |
| Mobile phone contracts | £30–£80 |
| Online shopping (fashion, tech) | 1–15% |
| Hotels & travel | 2–8% |
Cashback Credit Cards
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.
- Chase UK — 1% cashback via debit card for 12 months (no credit check needed)
Other Cashback Apps Worth Using
- Shopmium — cashback on specific branded grocery products in supermarkets
- Airtime Rewards — links to your card and earns cashback automatically. Cash goes off your phone bill
- TopCashback In-Store — link your card to earn cashback in physical shops