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r/beermoneyuk•
TightAsF_ck

TightAsF_ck's guide to get ~5% cashback on your supermarket spend

Guide

I am as tight (cheap) as a badgers bumhole. Frugal might be a better word, but you may have your own word for this... Anyway, with all of the offers listed, I figured it might be a little confusing how you can make the most of beermoney opportunities. I figured I would share my method for minimizing my essential spending at the supermarket and elsewhere.

There's three main steps, but all are easy to do and this has helped me reduce the impact of all the disgusting price increases we have seen lately. Maybe it will help some of you.

Also note that this is my baseline cashback amount - there are occasionally additional opportunities to boost cashback rates (e.g. special credit card offers) or discounted supermarket vouchers. Some of these are described in the comments, and please add if you have any more.

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Step 1 - Use a cashback debit/credit card for all purchases.

For the longest time, I have been using a NatWest Reward credit card to get 1% cashback on supermarket shopping (0.25% elsewhere). However, there are better options. The Chase current account (debit card), currently offers 1% cashback on nearly all purchases for a year. I signed up for this when the offer was hot and going forward will likely be my card of choice. If you signed up for certain AMEX cards, you could get an extra dunt on the cashback rate for a brief introductory period.

Zilch (Search for latest bonus offer) also offer 2% cashback when you pay in full using your linked debit card. Zilch is the hottest offer on the sub, giving a no deposit free £15 to spend when you sign up.

This is possibly the least effort way to get extra pennies. It's just bonus money for using your card as your normally would. My lifetime cashback with my NatWest card is ~£450 - this is money that I just otherwise would not have had.

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Step 2 - Get cashback for buying supermarket gift cards.

Jam Doughnut (Search for latest bonus offer) is an app that gives you cashback for buying giftcards. You buy a giftcard, and immediately receive the corresponding amount of cashback in your account. If you sign up to this with a referral code, you can start get a £5 bonus to start and you can withdraw as cash straight to your bank account (takes 1-2 days). Here's the current rates:

- 3% back at ASDA

- 4% back at Morrisons

- 4.5% at Waitrose

- 6% back at Marks and Spencers

- 4% back at Sainsburys

- 3.5% back at Farmfoods

Using Jam Doughtnut is a piece of cake, you just buy a voucher and scan it at the till to pay for your shopping. Bonus tip: someone said that the Morrisons vouchers work at Morrisons petrol stations... also giftcard are instant... so if you were one of those types of people, you could in theory buy this at the checkout for an amount approximately equal to your actual spend. I usually buy them in advance though.

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Step 3 - Get cashback for your purchase amount for submitting a picture of your receipt

ZipZero (https://zipzero.com/) is an app that you can use to get cashback on pretty much any shopping. You get 0.5% of your purchase price back when you snap and submit a picture of your receipt from a instore shop. You can also send in email receipts from other shops, and they have a shopping gateway that boosts this to higher percentages for certain retailers. With this app, the cashback can be claimed once you have £10 and is used to discount your utility bills! I've only just started using this myself (someone commented about it in one of my other posts!). Important point: half of your requested cashback has to come from "premium" cashback awarded by shopping at their click-through cashback gateway.

This step take a few seconds, and you can also submit your receipt to Amazon (below).

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Putting it all together:

So here's my shopping routine - I buy supermarket giftcards using my cashback spending card, and then I submit my receipt to ZipZero. Using Morrisons as an example, this gets me:

- 1% cashback using Chase card to buy the voucher (still testing this, but 0.25% via NatWest rewards is confirmed; 2% cashback from Zilch may also work but it unconfirmed)

- 4% cashback buying the Voucher on Jam Doughtnut

- 0.5% cashback for submitting the receipt.

That's 5.5% back - money that I otherwise would not get.

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Wait - that's not all?

Not by a long shot. There's several other ways that I boost my cashback!

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Additional Cashback 1 - Discounts for trying new (and old) products at the supermarket

I use a couple of apps for this. My favourites are:

There is also CheckoutSmart (and a few others). Both GreenJinn and Shopmium give you cashback for buying certain products at the supermarket. Some of the offers are, for example, "try for £1" where you will get the difference in price paid back to you in cashback (both use PayPal). But there are also "try for free" offers, where you get the full price paid back to you. Right now Shopmium has a load of offers for trying the Al'Fez range of Moroccan cooking sauces and condiments.

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Additional Cashback 2 - Send 10 receipts to Amazon for a £5 gift voucher each month

With the Amazon Shopper Panel (https://panel.amazon.co.uk/), you can get a £5 gift voucher each month that you submit pictures of 10 receipts. I send a picture of all my shopping receipts!

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Additional Cashback 3 - Use cashback website portals for your online shopping

There's two main sites for this:

Each of these give cashback for shopping at nearly every online shop going. They also have their own price comparison sections that give cashback when you switch your utility providers (still good for mobile/internet, used to be good for switching gas/electricity every year).

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Additional Cashback 4 - Link payment card to cashback apps.

You can also get cashback by linking your payment card to several apps. Once you've linked the card, you automatically get cashback when you shop at certain retailers. This doesn't stack with Jam Doughtnut, but applies if you use your card direct at the supermarket and for many other retailers too. There are several of these, but the most prominent are

With Airtime Rewards, you get cashback for spending on your card at lots of retailers and the cashback is used to discount your mobile phone bill. With Daali, its the same deal, but you redeem points for gift cards. Daali gives 0.25% at Tesco and Morrisons, 0.5% back at Co-Op.

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Even more additional cash - Refer your friends & family for bonus cash

Most (but not all) of these sites have refer-a-friend schemes (all linked above) where you can get a bonus for signing up, and also refer your friends/family/redditors for more bonuses. For example, Jam Doughnut give you £5 to start, when you sign up with a referral code, and £4 for every friend you refer. With Airtime Rewards, its £1 each. With Shopmium you can gift a free can of Pringles to friends, and receive a bonus £3 in cashback that is applied to your next few claims (this allows you to get 100% of the purchase price back).

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And that's all I got, anyone got any other good tips?

Posted Jul 23, 2022, 8:11 AM UTC · edited

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