+£3
5 mins
Cheddar
£3 Free Cash•5 mins
£3 Free Cash
+£3What is Cheddar?
Cheddar is a cashback app that gives you up to 10% instant savings when you buy gift cards for everyday retailers. There are over 100 participating brands including Tesco, Sainsbury's, John Lewis, and Just Eat.
The idea is simple: buy gift cards for shops you'd spend at anyway, and keep the cashback. For a typical household, this adds up to around £200 free cashback per year.
Launched
2021
Customers
250k+
Google Play
4.7 (1k)
★★★★★★
Key Terms
Profit
+£3
Unlock bonus cashback£5 cashback earned
New customer cashback£3
Cashback arrivesWithin 30 days
Step by Step Guide
Chris's overview
Optional·2 min read
The real value of Cheddar is the ongoing cashback – around £200 a year for a typical household just by buying gift cards for places you already shop. I love the app; the interface is modern and clean, and they have boosted rates where regular users get even higher cashback percentages.
To earn the £3 bonus, you need to accumulate £5 in gift card cashback within 30 days. With average cashback around 3%, that means buying roughly £150-170 in gift cards – easily achievable if you're doing regular grocery shopping at Tesco or Sainsbury's.
Once you hit £5 cashback + £3 bonus = £8 total, you can withdraw at the £5 minimum threshold. The bonus is modest but the ongoing cashback potential is what makes Cheddar worth keeping.
1
Sign up to Cheddar
You are here3 mins
- Use the button below to download the Cheddar app
- Create your account with email and mobile number
- Enter referral code when prompted:
- ZJZXCCV
- Connect your bank account using Open Banking (this is how you'll pay for gift cards)
The referral code is essential – without it you won't receive your bonus.
On desktop? Scan QR code on your phone
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
2
Receive £3 bonus30d
2 mins
£3 bonus credited once £5 cashback earned. Must be within 30 days 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
Offer Complete
Done? Tick off each step above to see your total.
Quick Cheddar Review
Completed the offer? Awesome! Here's our full review on why Cheddar could work well for you going forward.
Cheddar at a glance
Updated:
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.
Customers
250k
UK accounts
Founded
2021
5 years old
App Store
4.8 ★
3.4k reviews
Google Play
4.7 ★
1.2k reviews
Cheddar 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.