Where can I earn cashback?
Our cashback offer is changing on 1 June 2026. From then, you can earn 2% cashback – up to £20 a month – when you use your debit or credit card in the UK and Channel Islands. This applies to groceries, restaurants, cafes, takeaways, everyday transport, fuel and public EV charging points.
- You can pay online, in-store, and at restaurants and cafes using your physical debit or credit card, or with contactless payment
- You won't earn cashback on purchases you make outside the UK or the Channel Islands, or if you pay in currencies other than GBP
Exceptions and T&Cs apply. You will need to qualify to earn cashback1. See more information on the offer below.
Category | For example | Good to know |
|---|---|---|
Grocery stores and supermarkets | Sainsbury's, Tesco and Waitrose | You might not earn cashback if you pay through Curve or Klarna. In supermarkets, you won't earn cashback on concession stands, retailers (like Argos or Habitat) and services (like Timpson’s). |
Restaurants and Cafes | Dishoom, Nando’s and Wagamama
| Independent and chain restaurants/cafes within a venue (like hotels, bookshops, garden centres, theme parks or tourist attractions) are likely to be eligible for cashback. |
Takeaways | Deliveroo, Uber Eats and Domino's Pizza | This also applies to takeaways from restaurants or to-go places. |
Miscellaneous food stores, convenience stores and some specialty markets | Costcutter, Londis, Spar | Excludes alcohol merchants, like Majestic Wine. |
Local and suburban commuter passenger transport, including trams | Edinburgh Trams, Transport for London (TfL), Trentbarton | Includes topping up Oyster cards, and excludes taxis. |
Ferries | Sandbanks Ferries, Stena Line | |
Buses, including charters and tour buses | Arriva, National Express, Stagecoach | |
Railways | Major train lines, like Great Western Railway and South Western Railway, as well as Eurostar, National Rail and Trainline | |
Service stations and petrol pumps | BP, Esso, Shell | Includes buying petrol at major supermarkets. |
Electric vehicle charging points | GRIDSERVE, Instavolt, Pod Point | Excludes charging points at home. |
Category | Grocery stores and supermarkets |
|---|---|
For example | Sainsbury's, Tesco and Waitrose |
Good to know | You might not earn cashback if you pay through Curve or Klarna. In supermarkets, you won't earn cashback on concession stands, retailers (like Argos or Habitat) and services (like Timpson’s). |
Category | Restaurants and Cafes |
For example | Dishoom, Nando’s and Wagamama
|
Good to know | Independent and chain restaurants/cafes within a venue (like hotels, bookshops, garden centres, theme parks or tourist attractions) are likely to be eligible for cashback. |
Category | Takeaways |
For example | Deliveroo, Uber Eats and Domino's Pizza |
Good to know | This also applies to takeaways from restaurants or to-go places. |
Category | Miscellaneous food stores, convenience stores and some specialty markets |
For example | Costcutter, Londis, Spar |
Good to know | Excludes alcohol merchants, like Majestic Wine. |
Category | Local and suburban commuter passenger transport, including trams |
For example | Edinburgh Trams, Transport for London (TfL), Trentbarton |
Good to know | Includes topping up Oyster cards, and excludes taxis. |
Category | Ferries |
For example | Sandbanks Ferries, Stena Line |
Good to know | |
Category | Buses, including charters and tour buses |
For example | Arriva, National Express, Stagecoach |
Good to know | |
Category | Railways |
For example | Major train lines, like Great Western Railway and South Western Railway, as well as Eurostar, National Rail and Trainline |
Good to know | |
Category | Service stations and petrol pumps |
For example | BP, Esso, Shell |
Good to know | Includes buying petrol at major supermarkets. |
Category | Electric vehicle charging points |
For example | GRIDSERVE, Instavolt, Pod Point |
Good to know | Excludes charging points at home. |
How we work out what's eligible for cashback
Merchants are given a specific code based on the type of things they sell. This is called a Merchant Category Code (MCC). We don't assign or decide a merchant's MCC – but we use their code to work out whether you can earn cashback on a purchase. Just so you know – sometimes purchases might seem eligible for cashback, but aren't because of their MCC.
1. Make at least 15 payments with your debit or credit card and/or Direct Debits per month and maintain £1,000+ across your savers to qualify to earn cashback the following month.
18+, UK residents. Eligibility applies. Chase current and saver account required.
You'll find more details about your cashback offer in the Chase app – go to the 'Spend' tab, tap 'Rewards' and select your cashback offer.