Cheddar
£3 Free Cash
£3profit
5mins to complete
Offer overviewChris · Your personal guide
Cheddar is an app that pays instant cashback when you buy digital gift cards for everyday shops.
£3 bonus for earning £5 in gift card cashback within 30 days. At typical rates that means buying roughly £150 to £170 of gift cards, which a month of grocery shopping at Tesco or Sainsbury's covers easily.
The withdrawal threshold is £5, so the bonus plus your own cashback clears it. The real draw is the ongoing rate: Cheddar has boosted percentages for regular users, and the app is one of the better ones in this category.
Key terms
+£3
Unlock bonus cashback£5 cashback earned
New customer cashback£3
Cashback arrivesWithin 30 days
Step by Step Guide
Start here
Sign up to Cheddar
3 mins
- 1Open Cheddar through the referral link and download the app
- 2Create your account with email and mobile number
- 3Enter the referral code when prompted to receive your bonus:
ZJZXCCV
- 4Connect your bank account using Open Banking (this is how you'll pay for gift cards)
Earn cashback on gift card purchases
1 min
- Buy gift cards through Cheddar to earn around 3% cashback on average
- You'll need roughly £150-170 in gift card purchases to hit the £5 threshold
Up next · 1 step
Receive £3 bonus
Within 1 month2 mins
You need £5 of earned cashback first.
Counted from sign-up.
Your £3 bonus is credited to your Cheddar balance
Combined with your £5 cashback, you'll have at least £8 total
- Withdraw to your bank once your balance reaches £5
2 steps to £3
Quick review
Cheddar
Wondering whether Cheddar is worth it beyond the bonus? Here is our honest take.
Cheddar is a UK gift card cashback app from an FCA-registered EMI. Buy a card through the app, get cashback credited instantly, then spend the card at the same retailer. Quidsy has a free cash offer for new signups. Good fit if you do regular supermarket or food delivery shops. Stack with a credit card for double up.
CategoryGift Cards
Last updated
Chris' verdictYour personal guide, QuidsyCheddar is genuinely useful if you're willing to add one extra step to your shopping routine. The concept is simple: buy gift cards for shops you already use, get instant cashback, spend the gift card on your normal shop. There's no complicated tracking and no waiting months for payouts, which is the bit that puts most people off traditional cashback sites.
The savings are modest but real. Don't expect headline 15% rates on your weekly Tesco shop, because the supermarket end usually sits at 2 to 5%. Higher rates show up on dining, entertainment, and occasional retailer promotions, and they're worth keeping an eye on. If you do a regular Tesco or Sainsbury's run, that's a steady drip of cashback on spending you'd do anyway.
The app rates 4.8 on the App Store and 4.7 on Google Play, it's FCA-authorised, and it's picked up two industry awards in the last two years, so the operational side is solid.
The catch is the routine change. If you can't remember to buy a gift card before you check out, the cashback never happens. For organised shoppers who like a system, Cheddar is an easy win. For impulse buyers, it'll gather dust on your phone.
Cheddar Payments Limited is authorised and regulated by the Financial Conduct Authority as an Authorised Payment Institution, Firm Reference Number 940075. Cheddar is not a bank and your money is not protected by the FSCS.