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My weekly food shop is the one expense I can't avoid, so it's also the expense where cashback makes the biggest difference over a year - and I get it back instantly, across every major supermarket I actually use. I split my grocery shopping across a few different supermarkets depending on price, location, and what I'm buying that week - a big Tesco shop, a Farmfoods freezer stock-up, the odd Asda or Morrisons run. Once I started using cashback cards for all of them, I stopped thinking of supermarket loyalty as something I get from one shop and started treating it as something I earn everywhere, every time. TL;DR I buy a tuck. cashback card before each supermarket shop and get money back instantly. This works across Asda , Tesco , Morrisons , and Farmfoods . It stacks with Clubcard, Nectar, and other loyalty schemes since they're separate systems. Rates vary by retailer and change over time, so I check live rates before each shop. Spreading my shop across supermarket...

I never thought I'd get cashback on Apple products , since Apple almost never discounts anything - but buying a digital cashback card before I check out gets me money back on the full price, instantly, without Apple ever running a sale. Apple products sit at a strange spot in my budget. They're expensive, they hold their value, and they almost never go on sale in any meaningful way. So when I realised I could still get a percentage back on full-price Apple purchases through a cashback card, it changed how I plan for a new iPhone, iPad, or AirPods upgrade. TL;DR I buy a tuck. cashback card for Apple before ordering, and cashback lands instantly. It works on full RRP items - I don't need Apple to run a sale. I use the card at checkout on apple.com or in an Apple Store via the barcode/wallet. Current live rates are on the Apple cashback page. This is one of the only realistic ways I've found to get money back on Apple gear in the UK. Why Is Apple Cashback So Hard to Find...