Last updated March 2026
I think the average family could save £650 by getting Cashback on their every day spending.
Here, I’ll take you through four of my top cashback favourites: Top Cashback, Jam Doughnut, Cheddar and everup. Each app has unique features that can help you get a little something back on your everyday purchases. Let's get started!
1. Top Cashback
How it works: Top Cashback is a fantastic platform available both as an app and online. To start, you'll need to register for an account here.
After registration, you'll gain access to cashback offers from an huge selection of over 6,000 retailers so you can save money on your weekly shop, insurance, utilities, holidays and clothes.
It’s really easy to use, all you do is click the link to through to the retailer you’ll be spending money with and it uses cookies to track your purchase.
My experience: I often use Top Cashback for larger purchases where the cashback amount will be more substantial. For instance, I got significant cashback when I bought my laptop from Very. While the cashback takes some time to clear (think of it as a long-term savings account rather than a quick discount), it's a simple extra step to put money back into your pocket. Just remember to check the site before making big buys!
Things to note:
- Cashback clearing can take a while with this one, sometimes up to six months.
- Perfect for big purchases where the cashback amount will be more!
For more information, visit the Top Cashback website.
2. Jam Doughnut
How it works:Jam Doughnut is an instant cashback app that rewards you right away.
After registering and using my code - EUWC (this will give you a £3 bonus) - you can buy digital gift cards through the app from hundreds of retailers, including supermarkets and restaurants.
You will then receive a percentage of that gift card value back to your JamDoughnut account.
Any gift cards you purchase are stored in your Jam Doughnut wallet so you never forget which ones you have and it makes them really easy to access when you are out and about.
My experience: I use Jam Doughnut for all my food shopping. It's a no-brainer because I’m spending that money anyway, so why not get a few pounds back?
The cashback is instant and can be transferred straight into your bank account (although it can take a few days to clear). The app is user-friendly, and gift cards are available almost instantly.
My top tip: Use the "scan as you shop" feature to sort your gift card before you get to the checkout. Or load your monthly groceries budget straight onto a gift card at the start of the month.
Things to note:
- If you need a refund this will be processed back onto the gift card.
- Ideal for frequent, everyday purchases like groceries that you’re not going to return.
For further details, visit the Jam Doughnut website.
3. Cheddar
How it works:Cheddar offers a blend of instant cashback through gift cards (like Jam Doughnut but a smoother user experience in my opinion). Often the cashback rates are a bit lower than other apps.
My experience: I probably use this one the least as the rates are lower than other apps.
Things to note:
- Great user experience with quick access to gift cards
For more information, check out the Cheddar website.
4. everup
How it works:everup is my most used cashback app as the cashback rates are usually the best. I would say this is the one i’ve made the MOST cashback with.
It’s a free cashback app where you earn cashback on your everyday purchases (online or in-store) by again allowing you to purchase gift cards to spend at their partnered retailers. They’ve got over 140 brands to choose from, including all the top supermarkets with varying amounts of cashback.
If you’re already sending £150 a week on food, you could switch out to pay with a giftcard instead and be getting over £350 back in your pocket a year, just from doing your food shop!
Sometimes, there are promotions that offer even higher rates of cashback, with a handful of retailers offering you as much as 20% back!
My experience: I use everup a lot! The cashback is instant and if I’m spending the money anyway, it’s worth having a few pounds back. The app is user-friendly, and some retailers offer really high cashback amounts during a promotion - sometimes up to 20%!
Things to note:
- It’s very easy to use
- Instant cashback straight into your account giving you instant savings
- Some of the highest cashback rates can be found on here
- If you’re returning the item, buying with a giftcard will mean that the refund is processed onto the giftcard. Something to consider before purchasing
For more information, visit everup’s website.
In summary
If I had to choose two to get started with, I’d go for Everup and Top Cashback!
Integrating cashback apps into your everyday shopping is a smart way to save money on purchases you’re making anyway. Add the ritual of checking these apps into your shopping routine, and you'll see those savings add up in no time. I tend to save up all of my cashback and use whatever I make as an overpayment on my mortgage.
If you have any questions at all, let me know in the comments and I’ll try to help!
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