Where can I earn cashback?
From 7 April 2025, you can earn 1% cashback – up to £15 a month – when you use your debit card in the UK and Channel Islands to pay for some of your essentials, including groceries, everyday transport, fuel and electric charging points1.
- You can pay online or in-store, using your physical debit card or contactless
- 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
Here are some examples of where you can earn cashback.
Category | For example | Good to know |
|---|---|---|
| Grocery stores and supermarkets | Sainsbury's, Tesco and Waitrose | Excludes some food delivery services, like Deliveroo. You also might not earn cashback if you pay through Curve or Klarna |
| 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 | CalMac 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 | Excludes some food delivery services, like Deliveroo. You also might not earn cashback if you pay through Curve or Klarna |
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 | CalMac Ferries, 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. Exceptions apply. Qualification criteria and T&Cs may apply. May be changed or withdrawn. 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.