Make £100s when Spending

Find the best cashback, reward cards, and cashback credit cards to save hundreds if not thousands.

Make money when spending

You can make £100s when Spending

I am not kidding. You can make money when you spend!

Ordinary spending! On your council tax. Your bills. Your mobile. Your holidays. Your car insurance. Your home insurance. Your food shopping.

It’s possible to make hundreds if not thousands from cashback.

Where from? The best cashback sites, cashback credit cards, and loyalty cards. You just need to sign up, and click through. As with all credit cards - pay them off in full every month!

Get Cashback When Spending

Cashback is simple. Sign up for TopCashback*, Quidco, or any of the other cashback sites out there. When you buy something online, click through to the retailer from the cashback site!

Succeeding is about building habits. Get into the habit of clicking through from a cashback site before buying. The savings rack up.

You’ll usually get 1-3% of the price back.

You need to check that the item you want is on a retailer that provides cashback. You also need to check that you can’t find the item cheaper elsewhere.

Cashback sites do take time to pay you - up to 90 days for the cash to be back in your bank. It’s a long game but it does builds up.

Sign up to TopCashback* now and get earning

Big Ticket Items

It’s possible to earn big cashback on big-ticket items. Especially recurring services.

Cashback sites run promotions for the big energy, mobile, insurance and telecoms providers. You can often get double-digit cashback when switching

A word of warning. The fact that these are ‘cashback lucrative’ tells you something. Be careful, as you may end up on a costly recurring contract that you don’t need. Or worse, can’t get out of.

With your Money Mage hat on, you should ask if you need £150 cashback on the biggest Sky package. Wouldn’t you save more by cancelling the Sky package in its entirety?

If you are making the spend anyway - which is likely for energy and insurance - take the cashback. Make sure the contract is cost-effective over the longer term!

Reward Credit Cards

Credit Cards can also provide cashback. Up to 5% with some introductory offers.

Most cashback credit cards pay about 0.5% on every transaction but can be over 1% with some retailers. Here are some example cards. Read the Disclaimer. Money Mage is not providing advice nor brokerage. Money Mage is not benefitting from mentioning these cards, and they are provided for example only. Pay back in full every month.

AMEX Platinum Cashback Credit Card

AMEX Platinum Cashback Credit Card
AMEX Platinum Cashback Credit Card

AMEX is the king of reward cards. Not everywhere accepts AMEX in the UK, but acceptance is getting better. AMEX pays 5% cashback up to £125 for the first 3 months of membership. Afterwards, 1% cashbackup to £10,000 spend, and 1.25% cashback over £10,000 spend.

Representative APR 28.2% APR variable
Annual fee Based on £25
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.9% variable for purchases


Pay back in full each month. Read the Disclaimer.

Tandem Cashback Credit Card

Tandem Cashback Credit Card
Tandem Cashback Credit Card

Tandem cashback credit provides 0.5% cashback on all purchases over £1 worldwide.

Representative APR 18.9% APR variable
Annual fee £0
Credit Limit Assumed credit limit of £1,200
Purchase Rate 18.9% variable for purchases


Pay back in full each month. Read the Disclaimer.

Natwest Reward Credit Card

Natwest Reward Credit Card
Natwest Reward Credit Card

The Natwest Reward Credit Card pays 1% on supermarket spend, and 0.5% at petrol stations. Everywhere else you earn 0.5% cashback. The annual fee is refunded if you have the Natwest Reward current account.

Representative APR 23.7% APR variable
Annual fee £24
Credit Limit Assumed credit limit of £1,200
Purchase Rate 18.9% variable for purchases


The golden rule: Pay back in full every month. You must do this. Otherwise, you will incur interest and your cashback will be wiped out!

Please note, Money Mage is not offering financial advice. Money Mage is not receiving any financial benefit from mentioning Cashback Credit Cards. See the Disclaimer for more information. You should use credit carefully. Pay back in full every month.

Reward Current Accounts

Current accounts can also provide cashback rewards. These often pay cashback when paying bills, based on the number of direct debits you have. Often you must pay a certain amount every month into the account.

Some example reward current accounts:

NatWest Reward Current Account

The NatWest Reward current account pays 2% cashback on most household bills paid via direct debit. In addition, you can earn at least 1% on spend with selected retailers. There is a £2 monthly fee. You have to pay in at least £1,500/mo.

Santander 123 Lite

The Santander 123 Lite current account pays 3% on selected household bills. In addition, you can earn up to 15% on spend with selected retailers. There is a £1 monthly fee. You have to pay in at least £500/mo.

If your salary doesn’t meet the minimum pay in, you can pay in from other accounts.

Please note, Money Mage is not offering financial advice. Money Mage is not receiving any financial benefit from mentioning Reward Current Accounts. See the Disclaimer for more information.

Loyalty Cards

Loyalty isn’t dead. Despite most offers being ‘new customer only’ you can still rake in the cash with Loyalty Cards.

These rewards can sometimes be up to 25% off purchases or even more! At worst case, they are often around 1% cashback equivalents.

Common Loyalty Cards:

It’s often possible to boost your earnings on Loyalty Cards by chaining up other purchases. More on that later.

Hotel chains and Airlines also have great loyalty schemes - have a look around.

Double and Triple Dip

An unspoken tip is it’s almost always possible to double or triple dip with these three offers.

Train ticket from Edinburgh to London - £130.

TopCashback - 3% cashback with train ticket middleman = £3.90 back

AMEX - 5% bonus cashback within first 3 months = £6.50 back

Saving £10.40 or 8%

Weekly shop at Tesco as a new Tesco.com customer - £45

TopCashback tesco.com new customer = £8 back

AMEX - 5% bonus cashback within first 3 months = £2.25 back

Clubcard - 45 points = £0.45 back

Saving £10.70 or 23.7%

Double and triple-dipping is where the savings add up.

Money Mage Says

Fruggles everywhere, signing up for cashback credit cards and spending money it’s rainwater.

Calm down!

There are some golden rules when it comes to earning cashback:

  1. Do not create spending. Only buy what you were going to anyway. Don’t spend for cashbacks sake.
  2. Do not buy at a higher price. Spotted £12 cashback on a mobile phone contract? Is the phone contract £1/mo more expensive than the next best?
  3. Pay back in full. Every month. If you buy on a cashback credit card you must clear every month. Interest on the card will wipe out your cashback and then some!

What are you waiting for, sign up for TopCashback now*, or Subscribe for more. Remember, spend wisely, and build sound habits. This post is information only, read the Disclaimer.

Make A Change

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