Best Supermarket Cashback Deals in the UK

TL;DR: How to Get Supermarket Cashback in the UK

• Combine loyalty points with cashback apps and wallets like Curve Pay
• Tesco Clubcard, Nectar, and Sparks rewards can be stacked with payment card cashback
• Some supermarkets also allow cash withdrawals at the till (cashback)
• Use the right setup to cut your grocery bills without changing your habits
  
  

Weekly food shops aren’t getting cheaper—but cashback can make a real difference. With a smart payment strategy, you can earn money back at major UK supermarkets without switching where you shop. Whether it’s Tesco, Sainsbury’s, or M&S, stacking loyalty schemes with cashback tools can turn your regular spending into savings.

This guide explains how supermarket cashback works, which stores offer the best deals, and how to maximise returns every time you tap to pay.

How Does Cashback Work in Supermarkets?

There are two types of cashback in supermarkets:

1. Card-based cashback, where you earn a percentage back on your spend—either via your card provider, a digital wallet like Curve Pay, or a cashback app.
2. Till cashback, where you request cash during checkout when paying by card. This doesn’t earn you rewards but can help avoid ATM fees.
   
   

Card-based cashback is where the real value lies. For example, if you pay at Tesco with a linked cashback card through Curve Pay, you can combine cashback with loyalty rewards like Clubcard points—getting both on the same shop.

Cashback works best when you treat it as a rebate—not an excuse to overspend.

Which Supermarkets Offer Cashback in the UK?

Most major supermarkets support at least one form of cashback—either through payment card offers, loyalty integration, or till-based withdrawals.

Here’s a breakdown of the current picture:

Stacking cashback with points can offer 3–5% back in value per shop—without changing where or how you shop.

How to Get Cashback Deals in Supermarkets

While some people rely on promo codes at checkout, cashback tends to deliver more consistent savings—especially when layered with loyalty rewards. 

To get the best cashback deals at supermarkets:

• Link your loyalty account (Clubcard, Nectar, Sparks) and always scan it
• Pay using a cashback-enabled card or through Curve Pay
• Use cashback apps like Airtime Rewards, JamDoughnut, or Cheddar
• Avoid prepaying or buying gift cards (many cashback programs exclude these)
• Track spending and rewards in one place to avoid missed perks
  
  

Digital wallets like Curve Pay simplify this by letting you cut costs with everyday shopping across all your cards—without juggling logins or missing rewards.

Which Supermarket Gives the Highest Cashback?

The answer depends on your setup—but here’s a general rule:

• Tesco offers the best stacking potential: Clubcard deals + app offers + card cashback
• Sainsbury’s is a strong second thanks to wide app and wallet compatibility
• M&S offers premium loyalty rewards and strong cashback support via digital wallets
• Asda and Morrisons are better with Curve or cashback card use than on loyalty alone
  
  

The Telegraph highlights Tesco’s Clubcard as one of the most generous loyalty programs in the UK—especially when combined with third-party cashback tools.

Can I Get Cashback When Paying with a Credit Card in Supermarkets?

Yes — but it depends on how your credit card and wallet are set up.

If you’re referring to earning cashback, many credit cards offer rewards on supermarket purchases. To maximise this, pair your card with a digital wallet like Curve Pay, which lets you stack your credit card’s rewards with additional cashback opportunities. This happens automatically once you’ve set up the right combination of card, wallet, and loyalty scheme.

If you’re asking about withdrawing cash at the till, that’s different. Most supermarkets only allow this with debit cards, not credit cards, and even if they did, it would typically count as a cash advance — which can trigger fees and interest rather than rewards.

Optimising your setup across credit cards, wallets, and loyalty points is one of the easiest ways to cut costs on everyday spending while still earning rewards where you shop.

Stacking Loyalty & Cashback: The Supermarket Advantage

Let’s say you’re shopping at Tesco. Here’s how your savings could stack up:

• Scan your Clubcard for loyalty discounts
• Pay with a cashback card (e.g., 1% from Barclaycard)
• Use Curve Pay to manage which card is charged—and earn Curve cashback too
• Track everything in the Curve app, including spend categories and alerts
  
  

With no extra effort, you’ve earned triple rewards on one transaction. This is where combining cashback with Curve Pay gives you a clear advantage.

Download Curve Pay

Download Curve Pay

Conclusion: Turn Supermarket Spending Into Savings

You’re already spending money at supermarkets—now it’s time to get something back. Whether you're shopping for one or feeding a family, supermarket cashback can save you hundreds per year with the right strategy.

Start by:

• Using a loyalty card every time you shop
• Paying with a cashback-enabled card or digital wallet
• Tracking rewards in one app like Curve Pay
  
  

Cashback doesn’t have to be complicated. With the right setup, your groceries start working harder for you.

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FAQs: Supermarket Cashback in the UK

How does cashback work in supermarkets?
It lets you earn money back by paying with a cashback-enabled card, app, or wallet. You can also request physical cash at the till with some cards.

Which supermarkets do cashback?
Tesco, Sainsbury’s, M&S, Asda, and Morrisons all support cashback via third-party cards or apps. Many also support cash withdrawal at checkout.

How can I get cashback deals in supermarkets?
Stack your loyalty card with a cashback app or wallet, like Curve Pay, and pay with a cashback card. Some apps even offer instant cashback at the point of sale.

Can I get cashback when paying with a card in supermarkets?
Yes. You can earn rewards if your card supports cashback—or withdraw physical cash at the till with many debit cards.

Which supermarket gives the highest cashback?
Tesco typically offers the best potential when stacking Clubcard discounts with cashback tools like Curve Pay or cashback credit cards.

Read more about Curve Pay plans.