How to use cashback gift cards

You could be saving hundreds of pounds a year on your everyday shopping by getting cashback if you pay with a gift card. Here I’ll talk you through a step-by-step guide of how to get started with cashback gift-cards.

A phone showing cashback apps

My top apps for cashback gift cards

These are my top three favourite apps to get cashback using gift cards.

Start saving today

My favourite

EverUp

Best for: Groceries, meals out

  • Cashback available instantly
  • A wide range of retailers
  • Usually highest rates
Try EverUp

Use code: RMAT2501011CQOJD

Jam doughnut

Best for: Everyday shopping, IKEA

  • Cashback credited instantly
  • Useful for everyday shopping
  • Simple and beginner friendly
Try Jam doughnut

Use code: MZHQC

Sprive

Best for: Everyday spending, mortgage overpayments

  • Cashback towards your mortgage
  • Gift cards and online offers
  • Useful for bigger saving goals
Try Sprive

Use code: BUDGET25

Watch me do it

I've filmed a step-by-step walkthrough showing how I buy and use a cashback gift card for my weekly food shop.

EverUp

Ready to try it yourself?

Get started here
View transcript

Prefer to read it instead? Here’s a full transcript of the video with step-by-step instructions.

How I use cashback gift cards for our food shop

Getting started

I reckon the average family could get over 200 pounds a year in cash back just from doing their normal weekly food shopping. So, I'm going to take you with me to do mine and show you how easy it actually is.

On screen: Beth is doing her weekly food shop and shows the shopping as she goes around the supermarket.

Checking how much you've spent

This is why it's good to have scan as you shop. So, I know I've spent £130 on our shopping. Now, before I go to the checkout, I'm going to buy a gift card through one of the cashback apps and I'm going to pay with that instead.

On screen: Beth shows her scanner, which shows that she has spent £130 on her shopping. She then shows 5 different cashback apps on screen that you could use including Topcashback, Sprive, Cheddar, Everup and Jam doughnut.

Choosing your cashback app

I want to show you how easy this is to do. Now, I think the easiest one to use is ever up. So, I'm going to go on here and click Asda. So, we're going to get 3% cash back on this. So, I know that I need £130.

On screen: Beth opens the EverUp app, goes to the gift cards section and selects Asda. She shows the 3% cashback rate available.

Beth selects the gift card amount she needs for her shopping. Types in the amount and hits checkout.

Buying your gift card

Go to check out and then I'm literally just going to pay with Apple Pay and that is it. You probably have to wait like 2 minutes for the gift card to be generated. So, I'm going to go and pay now at the till and show you how easy it is to pay like this instead of using your card and get cash back in your pocket every time you're doing your food shopping.

On screen: Beth goes to checkout on the Everup app, selects Apple Pay and completes the gift card purchase. Beth then waits for the digital gift card to be generated in the app before heading to the checkout.

Paying at the till

You're going to select pay with gift card. Scan the gift card, and that’s it.

On screen: Beth opens the digital Asda gift card in the EverUp app and scans the barcode at the checkout to pay for her shopping.

Getting your cashback

So, by paying on a gift card like I just did, instead of paying on my card, I got £3.90 instant cash back in my EverUp account. Now, I know that doesn't sound like much, but that is money that you are going to be spending anyway. And it took me literally 30 seconds extra to get the money back.

On screen: Beth shows her EverUp account on her phone and the £3.90 instant cashback she has received. Beth returns to the car to explain how good the cashback is.

How much could it add up to?

If you're getting £3.90 every single week just by getting cash back on your groceries, that is £202.80 over the year. And I'm not being funny but that could pay for something like a pantomime at Christmas or maybe to go to see Disney on Ice. Like something that you maybe don't think that you can afford, but you're already spending this money. You may as well get the cash back. So, I hope that's convinced you that this is really easy to do. you could start saving some money today in cash back.

I've got a full guide to walk you through the process as well below. So check that out and let me know if this was helpful.

On screen: Beth explains to the camera while she’s sat in the car how the weekly cashback could add up over the course of a year. Beth directs viewers to the full step-by-step guide below the video.

Step-by-step guide to cashback apps

You buy a digital gift card with money you were spending anyway, and get a little back.

  1. Choose an app

    Pick a cashback app that offers gift cards for the shops you already use.

  2. Buy a gift card

    Choose your retailer and amount, then buy the digital gift card in the app.

  3. Pay for your shopping

    Use the gift card at the till or online. You can usually still use your loyalty card too.

  4. Get your cashback

    Your cashback appears in the app. Timing and withdrawal options vary by provider.

* Please check that the retailer allows you to use a gift card online before purchasing one. Some supermarkets are in-store only.

How much cashback can you earn in a year?

Try your normal weekly budget and an example cashback rate.

Example cashback rate
Your potential annual cashback£156.00That's £3.00 back on a £100 weekly shop.

This is an illustration, not a guaranteed return. Cashback rates and retailer availability change.

EverUp

Ready to try it yourself?

Try it here

Questions about cashback gift cards?

I load my monthly budget onto a gift card to keep me on track with my budget