Every way to get more money back

Cashback sites

A cashback site is paid a commission when you click through it to a shop and buy. It passes that commission back to you.

• Click through the cashback site to the shop before every order. Each order needs its own click.
• It can take up to 7 days to show as pending. The shop then checks the order (returns cancel it), and the site waits to be paid: on average 1 to 3 months before it is payable.
• Tracking runs on cookies. Ad blockers, VPNs and strict privacy settings can stop it, so pause them while you buy.
• A voucher code the cashback site didn't list can void the cashback. If an order hasn't tracked after 7 days, send a missing cashback claim.
• Cashback is on top of what your card pays: pay with the card you already hold that pays most at that shop.

Which card pays most at a shop

Sources, read 27 October 2026: TopCashback: getting started (opens in a new tab) · TopCashback: why didn't my purchase track? (opens in a new tab)

Loyalty stacking

Loyalty points and card rewards are separate, so you get both: scan the loyalty card, then pay with your best card.

• Scan first, then tap. The loyalty scheme pays on what you spend; your card pays on the same spend.
• Clubcard: 1 point per £1, worth 1p. Tesco Fuel: 1 point per 2 litres instead. £1.50 of vouchers swaps for 300 Virgin Points.
• Nectar: 1 point per £1, 500 points = £2.50. Sainsbury's fuel: 1 point per litre. 400 Nectar points convert to 250 Avios.
• Morrisons More: 5 points per item, 5,000 points = £5. Paid per item, not per pound, so we can't put a figure on this basket.
• Boots Advantage: 3 points per £1, worth 1p each. Points are worth 1p each to spend at Boots.
• Superdrug Health & Beautycard: 1 point per £1, worth 1p.
• Member prices (Clubcard Prices, Nectar Prices) need the card or app scanned too. They lower the price; they don't replace your card's reward.

See scan-then-tap for your cards at any shop

Sources, read 27 October 2026: tesco.com scheme page (opens in a new tab) · nectar.com scheme page (opens in a new tab) · morrisons.com scheme page (opens in a new tab) · boots-uk.com scheme page (opens in a new tab) · superdrug.com scheme page (opens in a new tab) · Tesco Clubcard terms (opens in a new tab)

Gift-card stacking, explained

Some shoppers buy a shop's own gift card first, then spend it in that shop, to collect a reward twice.

• How it works: you get money back when you buy the gift card (a bonus, a discount, or cashback paid as a gift card), then scan your loyalty card when you spend it.
• Some cashback sites let you take your cashback as a shop gift card with a bonus on top, instead of a bank transfer.
• Check your card's terms before buying gift cards with it: some cards don't pay rewards on gift-card purchases.
• Gift cards expire. A John Lewis or Waitrose card lasts 24 months, and checking the balance restarts that clock.
• Only buy a gift card for a shop you'll use soon, and keep the receipt.

Check a gift card balance

Sources, read 27 October 2026: TopCashback: getting started (payout options) (opens in a new tab) · John Lewis gift cards (opens in a new tab)

Delay Repay and train compensation

Delay Repay is a national scheme: if your train is late, you can claim part or all of your fare back, whatever the reason for the delay.

• Claim from the train company whose train delayed you, on its own website. National Rail lists every company's claim page.
• The delay is measured at your destination, against the timetable published in advance.
• Avanti West Coast, for example, pays from 15 minutes late: 25% of a single for 15 to 29 minutes, 50% for 30 to 59, and 100% for an hour or more. Other companies' bands are on their own pages.
• Claims must reach the company within 28 days of the journey. Keep your ticket or e-ticket.
• Some companies pay automatically if you booked Advance tickets direct and opted in.

Claim pages: Northern Delay Repay (opens in a new tab) · LNER Delay Repay (opens in a new tab) · CrossCountry Delay Repay (opens in a new tab) · GWR Delay Repay (opens in a new tab)

Sources, read 27 October 2026: National Rail: compensation and refunds (opens in a new tab) · Avanti West Coast: Delay Repay (opens in a new tab)

Flight delay compensation (UK261)

Under UK law, airlines pay fixed compensation when you reach your destination more than three hours late, unless the delay was outside their control.

• Flights under 1,500 km (Glasgow to Amsterdam): £220 per person.
• 1,500 to 3,500 km (East Midlands to Marrakesh): £350 per person.
• Over 3,500 km (London to New York): £260 if you arrive 3 to 4 hours late, £520 if more than 4 hours.
• If the delay was caused by 'extraordinary circumstances' outside the airline's control, there's no compensation.
• Whatever the cause, a delay of 2 hours or more (short flights) means the airline owes you care: food and drink, two calls or emails, and a hotel if you're stuck overnight. Keep itemised receipts if you pay yourself.
• Claim from the airline directly; you don't need a claims company.

Sources, read 27 October 2026: UK Civil Aviation Authority: delays (opens in a new tab) · CAA: am I entitled to compensation? (opens in a new tab)

Marriage Allowance and tax refunds

Two government ways to get tax back that many people never claim.

• Marriage Allowance: if you earn less than your Personal Allowance (usually £12,570), you can transfer £1,260 of it to your husband, wife or civil partner. That cuts their tax by up to £252 a year.
• You can backdate a Marriage Allowance claim to 6 April 2022 for any year you were eligible. Claim on gov.uk; it's free.
• Tax refunds: gov.uk's checker tells you how to claim if you paid too much tax on pay, job expenses (working from home, fuel, work clothing or tools), savings interest or a redundancy payment.
• You never need to pay a company to claim either of these.

Sources, read 27 October 2026: gov.uk: Marriage Allowance (opens in a new tab) · gov.uk: check how to claim a tax refund (opens in a new tab)

Price-match and price-drop policies

Some big retailers refund the difference if a price drops or you find it cheaper soon after you buy.

• John Lewis: within 7 days of your order, if one of its 25 named competitors sells the identical item for less, or John Lewis drops its own price, ask for a refund of the difference. Clearance, multi-buys, member prices and codes don't count.
• Currys: matches any UK retailer's price on an identical in-stock item, before you buy or up to 7 days after. Marketplace sellers, membership and loyalty prices don't count.
• Tesco and Sainsbury's: Aldi Price Match on selected products, with Aldi prices checked twice a week. Not in Northern Ireland.

Sources, read 27 October 2026: John Lewis: price promise (opens in a new tab) · Currys: price promise (opens in a new tab) · Tesco: Aldi Price Match (opens in a new tab) · Sainsbury's: Aldi Price Match terms (opens in a new tab)