Hey have you been snoozing on this?

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Hey,

I had a friend who called me ‘Cashback lady’, because whenever I was making a purchase, I always made sure to check if there was a way to get some money back. Stuff is expensive. So if I can get a a little something something back, then I will get MY money back in MY account.

There are several ways to get cashback whilst shopping. You can use them all, like me, or just one method to build a little nest egg. The main point to remember is, cashback doesn’t tend to grow very quickly, so I wouldn’t recommend relying on it to make an extra income in a short amount of time.

1. Cashback cards

There are bank accounts you can open, that give you a card for spending. And each time you spend on it you get some cashback. I use Chase. It’s a current account (not a credit cards) and you don’t have to switch to it. It doesn’t affect your credit score to open a current account (at least in the UK it doesn’t), as long as you don’t switch to it as your main account and/or request an overdraft. I get 1% cashback on most purchases (check the small print for exclusions). They recently changed the cap to £15 cashback, after having transferred a minimum of £1500 to any Chase account. It’s annoying, but any cashback on purchases, is better than none at all.

I have never spent the full £1500 to get the £15 cashback. I have no intention to either, but since opening the account in 2023, I have made £68 in cashback. The real money is in the roundups, where they earn 5% throughout the year. On average I am saving nearly £120, just from earning interest on the pennies, that round up to the next £1 when I shop. So, I don’t feel my efforts are too short changed with Chase.

2. Top Cashback

I don’t shop often, but when I do I use Top Cashback. They partner with multiple retailers and get you a percentage amount of cashback. It’s brilliant. They also have a web browser you can install, so whilst you are browsing the online shops, it shows you the cashback you can get from the partnered retailers whilst scrolling through your search engine, (saving you from checking the app each time). I have a membership, where I pay £5 per year to get the most out of the site, but the free membership is just as good for starters. It is dependant on how much you shop. If you don’t shop online a lot, then this offer might not be for you. And that’s ok.

Since starting in 2021, I have received £200 in cashback. If we consider my very minimal shopping habits this year, I have only earned about £1.76 in 2025 (it’s ok, there is still black Friday and Christmas). Like I said, slow. But that money has always come in handy when I needed it.

If you’re interested in signing up:

Chase

Here is the link to the Chase UK bank app. Just note, there are no Chase bank branches in the UK, hence why I haven’t switched to them as my current account - P.s. I make £0 money if you sign up, so this is just me encouraging you to get some cashback, without getting a credit card and worrying about your score. ( plus they have good interests on their savings accounts).

Top Cashback

For Top Cashback, they have a refer a friend programme:

You will get an extra £10 when you sign up to Top cashback, with my link, and have earned £10 in cashback spends, within 3 years of signing up. I will get a commission for this if you use my link. So we both win, when you make your first £10 in cashback.

So, go on and start making money as you get on with the normal purchases of adulthood, and I’ll speak to you soon.

Rue

Adulting For Life