Where to price match and save cash

It pays to get the lowest price, even after you’d bought something.

Shopping around is key to getting a decent price. You can do this by using comparison sites such as PriceSpy or Idealo. Now, you’d think the next step would be to buy the items at the cheapest shop.

But actually it can be advantageous to actually buy it elsewhere if that shop has a price matching policy. And you can even sometimes price match after purchase if prices dop again.

Here’s more about how price matching works, and where you can take advantage.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

What is price matching

Price matching is exactly as it sounds. A retailer will sell you an item at a lower price if it’s sold for less elsewhere.

This isn’t just about the listed selling price. You can also often price match voucher codes and sale prices.

John Lewis is probably the most famous shop to offer a price promise, with its “Never Knowingly Undersold” slogan a key part of branding. Though it was closed a few years ago, the department store brought it back in the summer. And it’s not alone – you can also take advantage at shops including AO, eBay and Curry’s.

I’ve done price matching a number of times, from smaller items such as Diptyque candles through to a new TV and sound system. When we did our kitchen a couple of years ago I got our oven, fridge, freezer, dishwasher and flooring for hundreds of pounds less – all thanks to price matching.

And it’s not just “things” you buy that can be price matched. It’s possible to save money on hotels, holidays and other services if you look around. You can even find supermarkets matching the prices on some items sold by competitors.

It’s not just about getting a lower price

Since the price you pay will end up the same you might be thinking surely it’s easier to just buy it at the cheaper shop in the first place and avoid all the hassle.

Well, price matching to a different store might give you additional benefits. These include extended warranties, free delivery or longer return rights.

You might even be able to stack on extra savings on top, such as using a cut-price gift card or cashback. All of these can be worth a little extra, whether financially or just in terms of peace of mind.

Some retailers will beat the lower prices

Also, you might find a retailer will give you extra money off the lower price you find at a competitor.

It’s also worth checking if a high street shop will match its own website if there’s a difference in price (this does happen!).

Price matching after purchase

Best of all, some shops that price match also allow you to price match if prices drop elsewhere after you have bought the item. This is a great trick to use during big sale periods such as Black Friday.

I’ve actually done this a few times – even after I’d already price matched to get a lower price. When the price dropped again I was able to put in another claim and get the additional discount refunded.

So it can sometimes pay to choose a shop that offers this over another even if they are the same price – just in case there’s a significant drop later on.

How to price match

First look for a cheaper price. I tend to use sites such as PriceSpy or Idealo to compare. Or just a quick Google search can do the job.

Every retailer has a different policy, but in general you’ll need to provide proof that you’ve seen the item on sale elsewhere for less. This could be a webpage for an online retailer, or the price matching shop might want to phone up a physical shop.

You’ll also need to check that the shop does price match the place you’ve found the cheaper option. They might only price match certain competitors.

Some retailers will have a phone number you can call to put in your price match claim. Others have a form you fill in.

You generally have to wait for confirmation that your item is price matched before you can buy it, though some let you do it retrospectively. In this instance, you’ll also need to provide proof of purchase.

Once you’ve bought something it’s worth keeping an eye on prices for as long as the price promise lasts. To help you can set price alerts on both Price Spy and Idealo which will email you if the price does drop.

What can stop price matching

However, not all shops have a price matching policy, and they won’t always match every price you find.

The key one to watch out for is retailers that only match certain other shops. Many also exclude online-only retailers (i.e. they don’t want to price match Amazon!). Even some sellers which have a showroom or two can be excluded – often the case for the low prices found online for appliances.

The items will usually have to be the exact same model, colour, size and so on. This can prove frustrating if there’s a slight difference, and many retailers will only sell a version that’s exclusive to them that can be hardly noticeable.

The price must also be available to everyone – which means you wouldn’t be able to match a member or staff discount. Others might not match clearance sale prices, or some voucher code uses.

Items also usually have to be in stock at the cheaper retailer and available for delivery. Or if they’re in smaller local retailers you might find you have to live within a certain number of miles.

You might also find it’s rejected if there’s a difference in extras such as the type of delivery or the length of warranty on offer. For instance, if the cheaper model has one year but the price matching retailer offers two years then the latter can claim it’s not the same package.

Where you can price match in the UK

This isn’t an exhaustive list, but I’ve highlighted some of the big retailers across a range of products and services that are worth looking into.

Just because somewhere isn’t on the list doesn’t mean it won’t price match. It’s always well worth asking if a shop has a price promise – even an unofficial one.

If you know of any more retailers that offer this service, then please do let me know via the comments.

All Beauty price matching

You can price match in advance at All Beauty if you find the product for less at selected retailers including Boots, LookFantastic, House of Fraser and The Perfume Shop.

As well as price matching before buying, there’s the option to request a price match seven days after purchase, although this is “at their discretion”.

AO price matching

To price match at AO you need to call their team with the product code of the item you want to buy and the link for where you’ve seen it for less. You can price match up to seven days of buying an item – great if the price drops again.

Retailers price matched:

  • UK retailers and websites selling UK products

Beaverbrooks price matching

Beaverbrooks will price match up to seven days after purchase if you find the items advertised cheaper by an authorised stockist with a physical store. Discount and voucher codes will also be matched if they can be verified at the time of reviewing the price promise request

Curry’s price matching

Call up Currys price matching team before you buy and share where you’ve found it for less. Currys will match both high street and online prices, including the use of voucher codes and offers, but not member exclusive discounts.

Normally, you can make a claim up to seven days after purchase, but in 2024 this was extended to cover all of November – so look out for that again this year. If you bought in-store you’ll need to go back there. If it was online you can use a webchat.

Retailers price matched:

  • Any UK retail store or website

eBay price matching

You can even price match at eBay! It’s only for new items sold on the Amazon, Currys, Argos, Asda, John Lewis and Tesco websites. You apply online and if successful will be sent a voucher to use on your purchase within 24 hours.

You can only ask for one price match per day per eBay user and it’s only in advance of purchases – not after.

Retailers price matched:

  • Amazon.co.uk
  • Currys.co.uk
  • Argos.co.uk
  • Asda.com
  • JohnLewis.com
  • Tesco.com

Euronics price matching

Euronics offer an in-store only price match guarantee and may include discount codes advertised by competitors. The price match policy is only available prior to order completion and can not be claimed back after the purchase.

Goldsmiths price matching

Goldsmiths jewellers offer a price match promise, in-store and online. For in-store price matches, the competitor must be within 15 miles of the store the price match is requested in. For online price matches, the competitor must be a national authorised stockist.

Go Outdoors price matching

You’ll get 10% back on top of the difference. However you do need to have a Go Outdoors Discount Card which costs £5 a year.

Halfords price matching

With Halfords it’s just the published selling price that is price matched – so you can’t use any additional vouchers or offers on top, such as buy one get one free or clearance. You’ve seven days after purchase to make the claim.

You can also price match instore if the items is sold for less on the Halfords website.

Retailers price matched:

  • UK based
  • Within 10 miles if price matching a service

H.Samuel price matching

H.Samuel is another jeweller that offers a price match promise online where they will price match jewellery or watches if you find them at a lower advertised price. 

There is an easy online form to submit before purchase, but for in-store purchases I can only find information about price matching watches which they will do in over 300 stores nationwide

Hughes Electrical price matching

You can phone Hughes Electrical or use a live chat or webform to request a price match before or up to seven days after purchase.

They’ll match:

  • AO
  • Appliances Direct
  • Argos
  • Currys
  • Marks Electrical
  • Richer Sounds

Jessops price matching

Jessops only price matches against prices at authorised retailers for the brands they stock. It won’t match clearance prices.

Retailers price matched:

  • Argos
  • Currys PC World
  • Park Cameras
  • WEX

They also run a Black Friday price promise where they’ll refund the difference if your purchase with made between 1 and 28 November 2024 with is reduced during those dates.

John Lewis price match

The John Lewis Price Promise that returned in September 2024 was different to the one we were all used to pre-2022. For a start it’s limited to seven rather than 35 days after purchase to make a claim.

And the other change is only 25 retailers will now be accepted – though that does include Amazon now. We’ve gone into more detail how John Lewis price matching works in a separate article.

Richer Sounds price matching

If you buy with Richer Sounds and find it cheaper you’ll get an extra discount on top of the difference up to 14 days after purchase. You can also price match in advance.

The beat the difference promise ranges from £5 extra on products up to £300, through to £100 on anything over £4001.

Price promises

In addition, some retailers will refund the difference if they drop their own prices after you’ve made your purchase. This is usually just over a sale period, such as Black Friday and Prime Day.

Argos price guarantee – Black Friday

If prices drop before Christmas at Argos you’ll get a voucher for the price difference.

Investing offers and cashback deals

Investment firms often give incentives like free cash to get you to give them your money.

These offers are extra cash payments and freebies you can get via starting an investment. We’re only sharing these promotions as a way to get some free cash rather than a recommendation of individual investment platforms or funds.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

Here at Be Clever With Your Cash, we’re not regulated to give you financial advice. We aim to give you the facts about a provider or investment but it’s up to you to decide if it’s suitable for you. If you’re looking for more personalised guidance, find a financial adviser who can give you specific advice. Remember that your capital is at risk when investing — don’t invest more than you are prepared to lose. 

Welcome and bonus offers

These are offers to tempt you to sign up for an account or transfer existing accounts There may be a minimum amount you need to add in order to get the bonus. Remember, we’re just sharing offers here and not recommending any individual ISA investment platforms, so do your research before applying. Our S&S ISA best buy tables are a good place to start.

ISA offers
Our top pick
Customer rating 4.9/5
  • Offer
    Up to £100 welcome offer*
  • Annual fee
    £0
  • Type of investing
    DIY investing
  • Minimum deposit
    £0
*Sign up with the code BECLEVER25 or click the button to get up to £100 in a US fractional share to your GIA. Capital at risk. Terms apply
  • FSCS Protected? If Lightyear goes out of business and there is a shortfall in the funds they are holding for customers, they may be able to claim for losses up to the value of £85,000 through FSCS
  • Transfer in existing ISA? Yes
  • ETF trading fee £0
  • UK shares trading fee £0
  • US shares trading fee £0
  • Fractional shares Available in General Investment Account only
  • Flexible ISA Yes
  • Interest on uninvested cash 1% on GBP for UK customers
  • Offer details Sign up with the code BECLEVER25 or click the button to get up to £100 in a US fractional share to your GIA. Capital at risk. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms. You must be a new user and deposit at least £100. The reward can be withdrawn 6 months after it’s credited.
  • Foreign exchange fee 0.35%
  • Fund fees If you invest in funds, you'll have to pay fund fees between 0.03% and 0.78% depending on the funds you choose
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 987226
  • Risk warning Capital at risk. The value of investments can go down as well as up
  • EU shares trading fee £0
Our top pick
Customer rating 4.9/5
  • Offer
    Free fractional share up to £100*
  • Annual fee
    £0
  • Type of investing
    DIY investing
  • Minimum deposit
    £1
*New customers get a free fractional share worth up to £100 when you sign up via our link or use the code BCWYC.
  • FSCS Protected? Yes
  • Transfer in existing ISA? Yes
  • Fractional shares Yes
  • Interest on uninvested cash 4.05%
  • Flexible ISA Yes
  • Foreign exchange fee 0.15%
  • Fund fees If you invest in ETFs, you'll have to pay fund fees depending on the funds you choose
  • Offer details To get the offer, you need to open a Trading 212 Stocks and Shares ISA or Invest account and deposit at least £1 within 10 calendar days
  • Important details Remember, the value of any money invested, which includes your free share, could go up or down
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 609146
  • Risk warning Capital at risk. The value of investments can go down as well as up
Customer rating 4.8/5
  • Offer
    5% cashback on investments*
  • Annual fee
    £8 per month custody fee**
  • Type of investing
    DIY or ready-made
  • Minimum deposit
    £0
*New customers can get 5% cashback on their investments **You can reduce the custody fee to £0 per month when you place more than 3 trades in the previous quarter.
  • FSCS Protected? Yes
  • Transfer in existing ISA? Yes
  • Interest on uninvested cash 4.5% on up to £100,000
  • Fractional shares No
  • Flexible ISA Yes
  • Foreign exchange fee 0.70%
  • Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose
  • Offer New customers can get 5% cashback on their investments, up to a maximum of £100
  • Offer details To get it, open a new share dealing account between 21 November and 31 December 2025 and make your first trade worth at least £50 by 31 December 2025. You need to maintain an active portfolio with at least £50 in the account from January to March 2026. It's calculated as 5% of the daily average invested value during the promotional period, with the cashback credited by 30 April 2026
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 944492
  • Risk warning Capital at risk. The value of investments can go down as well as up.
Charles Stanley Direct Stocks & Shares ISA
Customer rating 4/5
  • Offer
    Up to £1,500 cashback*
  • Annual fee
    0.3% (min £5 per month)
  • Type of investing
    DIY investing
  • Minimum deposit
    £0
*You can get £300-£1,500 cashback when you transfer an ISA between £20,000 and £200,000
  • Fees You get £50 worth of free trades every 6 months. Funds cost £4 per trade and shares cost £10 per trade
  • Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose. There are no platform or trading fees when you invest in Charles Stanley Multi Asset Funds
  • FSCS Protected? Yes
  • Transfer in existing ISA? Yes
  • Fractional shares No
  • Interest on uninvested cash No
  • Flexible ISA No
  • Foreign exchange fee 1%
  • Offer details The amount you'll get in cashback depends on how much you transfer. A transfer of £20,000 gets you £300 cashback
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 124412
  • Risk warning Capital at risk. The value of investments can go down as well as up
Customer rating 4.8/5
  • Offer
    £50-£1000 cashback
  • Annual fee
    0.60%
  • Type of investing
    Ready-made investing
  • Minimum deposit
    £500
£50-1000 cashback. Minimum investment and terms apply. Registration ends 2 March 2026. Capital at risk
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 662530
  • FSCS Protected? Yes
  • Flexible ISA Yes
  • Important details Over 18s, UK residents and UK taxpayers only
  • Interest on uninvested cash No
  • Offer You could get cashback when you deposit and/or transfer more than £5,000 into a new or existing Stocks & Shares ISA. You'll get between £50 and £1,000 cashback depending on how much you deposit or transfer. You can find out more details on how much you'll get on the dedicated offer page.
  • Offer details To get the cashback, you have to register for it by 23:59 on 2 March 2026 through the dedicated offer page. Then, you'll have 6 months to make your deposit and/or start your transfer(s). The money needs to stay deposited for 18 months. T&C’s apply. Tax treatments depend on your individual circumstances and may change in the future
  • Risk warning Capital at risk. The value of your investments may go up or down
  • Transfer in existing ISA? Yes

ISA vs GIA

When you open these accounts you can usually choose between an ISA and a general investing account. If you haven’t used your full £20,000 ISA allowance this financial year, and you don’t plan to do so before 5 April, then that’s the best account for you as any gains you make will be tax free.

If you can’t or don’t want to add any more to an ISA, you can opt instead for the general investing account, although some of these offers may not be available for this account. In this account, you’ll only pay tax on profits after selling your share if it brings you over the Capital Gains Allowance – which is £3,000 in 2024/25.

Own brand medication: save money with the same results

Ignore big name brands and find cheaper alternatives for pills and drugs that do the same job.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

Off-the-shelf medication

When you’ve got a cold, you’ll ask for Lemsip. When you’ve got a headache, you’ll ask for Nurofen. When you’ve got a hangover, you’ll ask for a Berocca.

Yes they cost more than own brand, but surely that’s because they’re better at making you feel better?

Well, it turns out there’s little or no difference between many similar medications. In truth you’re usually paying over the odds for name recognition. And this isn’t the only time you might be paying more than you need on medication and prescriptions.

To help you make a decision that’s good for your wallet as well as your health, I’ve taken a look at some of the ways you spend too much on medications and how to save some cash.

Branded medicine is one of the biggest rip-offs we fall for. The vast bulk of the time the ingredients used to make the tablet, cream or sachet are pretty much the same as those cheaper alternatives on the shelf below.

There might be slight variations, but it’s unlikely they are enough to make a difference to your ailment.

You might also have to hunt for these cheaper options, generally hidden on lower shelves with the big brands at eyeline and easy to grab.

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How much can you save?

Here are a few examples of the price difference I found:

Lemsip vs own brand cold medicine

In Boots, a pack of 10 Lemsip Max sachets will set you back £6.80. The own-brand alternative is just £3.20, saving you £3.60. The ingredients are almost exactly the same. And they’re cheaper again buying the own-brand options in supermarkets.

Nurofen vs own brand ibuprofen

Worse is ibuprofen. Standard Nurofen costs £2 for 16 tablets in Boots. The own-brand version is £1.49. But better still is the value pack at just 55p. And they all contain the same simple ingredient: 200g of Ibuprofen.

The only difference is likely to be in the coating, which won’t make a difference to the effectiveness of the pain relief.

Berocca vs own brand effervescent

Berocca meanwhile costs £5.90 for 15 tablets. The Boots own brand equivalent of the effervescent multivitamin is £1.99 for 20 tablets. That’s 10p per tablet rather than 39p for pretty much the same thing. In fact since the Boots tablets are bigger you actually get slightly higher doses of each vitamin.

Watch this video where I share how to see if items are the same or similar

Exact same products, different packaging

You can even find some products which are exactly the same! In my mini-investigation (i.e. trying to subtly take photos of packaging in Boots) I found an example where the tablets in different packaging were the very same.

Both Panadol Extra Advance and Panadol Period Pain are the same product. They have literally just been put in different coloured packs (you’ve guessed, it’s pink for the period painkiller).

The way to tell is to look for the product line code. This is the letters PL followed by some numbers. If the code is identical then so is the medication. You’ll find this on the box.

Now, these two Panadol items should therefore cost the same, right? Well there’s a 10p difference at Boots (surprisingly it’s the one aimed at women which is cheaper). Ok not much money but you get the idea.

And bigger savings are likely to be found when comparing own brand versions of meds in different shops. It’s possible that you might find the exact same formulation at a far lower price.

When I looked a few years ago, I also found that the Boots, Tesco and Asda cold and flu items had exactly the same PL number but at varying costs. So exactly the same item made in the same factory!

I think it also raises a question as to whether these targeted meds are actually anything other than marketing. You could well be better off with the standard version.

Will a prescription be better or worse?

Hopefully your GP won’t prescribe you standard, everyday items like paracetamol that you can buy for less direct from the shop, but it’s worth double checking. Things like eyedrops, steroid creams and more might cost less without a prescription. A pharmacist will let you know if you’re not sure.

However some items will be cheaper if you can get it prescribed, so if there’s something you’re taking regularly do ask your GP if they’ll do this. And don’t forget prescription subscriptions that can work out cheaper too.

And of course, if you’re outside of England, under 18 or over 60, then you won’t pay for any prescriptions, so see if that’s an option for what you need.

The same goes if you are prescribed anything privately. If your GP will fill out a prescription from them instead, it’ll dramatically cut what you pay.

The best American Express cards

Which Amex credit card will earn you the most cashback or rewards in the UK in 2025?

There are a number of different American Express cards, so which is the best?

In this best buy guide, I’ll take you through my top picks whether you want to get your first card or change the one you already have.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

The best American Express for welcome offers

There are a number of great welcome bonuses from American Express that could earn you more than £100 extra in your first few months. They are often boosted too, making them even more profitable.

Importantly you can only get these offers (on most cards – more on this in a bit) if you’ve not an an Amex in your name in the last two years.

Each offer also comes with a spending requirement to trigger the bonus, so make sure your normal spending will fit this.

The best first Amex card welcome offers

To keep you eligible for additional welcome bonuses, I’d actually only consider one of these two cards, even though you’ll earn less from the bonus. They rarely have boosted welcome deals so I’d go for them at any time.

If you aren’t going to later for a second bonus with the Amex Platinum then you could also consider the Amex Preferred Rewards Gold – though I’d wait until it’s boosted.

Here are the standard offers you can expect, and we share boosted Amex welcome offers here.

CardFeeStandard welcome offerConditionValueOngoing cashback rate
Nectar American Express credit card Free in year one, then £30 a year20,000 bonus Nectar points (+ 2,000 points from spending)Spend £2,000 in the first three months£120 in Nectar points2 Nectar points per £1 (=1%)
American Express Cashback card £25 a year5% cashbackOn the first £2,500 spent in the first three monthsUp to £1250.75% on the first £10,000 spent a year, then 1.25%
American Express Preferred Rewards Gold card (review)Free in year one, then £195 a year20,000 bonus Amex points (+3,000 points from spending)

Most recent boosted welcome offer here
Spend £3,000 in the first three months£115 in Nectar points 1 Amex Reward point per £1, bonus points for every £5,000 spent (= 0.5% to 0.75%)

Additional Amex welcome offers

After the Nectar or Platinum Cashback, there’s the chance to get another boosted offer on both the British Airways American Express Premium Plus (as long as you’ve not had either BA Amex card in the last two years) and the American Express Platinum credit cards (as long as you’ve not had the Preferred Rewards Gold or Rewards cards in the same time). I’ve written in more detail about this multiple Amex welcome offer hack here.

However, these cards come with big fees and the bonuses have large spending requirements, so I’d wait until they are boosted and you can earn more points.

If you are a member of Vitality health or life insurance then you will also be eligible for a £100 statement credit when you spend £2,000 in the first three months, even if you’ve got any other Amex.

Here’s what you could be looking at based on increased sign-up offers that have run recently.

CardFeeMost recent boosted welcome offerPotential conditionTotal valueOngoing cashback rate
British Airways American Express Premium Plus card£300 a year 60,000 bonus Avios points (see most recent promotion here)Spend £6,000 in the first three months (and earn 9,000 more points)£330 in Nectar points1.5 Avios per £1 (=0.75% in Nectar points)
American Express Platinum card £650 a year 80,000 bonus Amex Reward points
(see latest promotion here)
Spend £10,000 in the first six months (and earn 10,000 more points)£450 in gift cards 1 Amex point per £1 (=0.5%)

The best American Express card for spending

So what do you do once you’ve got bonus (or bonuses) and you’re faced with a fee at the start of the second year? Well, I’d be looking to ditch that card and find an alternative.

But the headline cashback/reward rate isn’t the only thing to consider. You need to take into account whether there’s a fee or minimum spend. And you also need to decide how you want to receive your money back – as cash or points?

Depending on which card you went to for your first card (the Nectar or Cashback), I’d actually then get the other one next or look at the Amex Preferred Rewards Gold which is free in year one.

But after the first year on each of these, the annual fees on all three will eat into your cashback earnings.

But if you want to keep an Amex, then there’s the Amex Rewards card or BA Amex which are both always free. Just don’t get these (or the Gold) if you haven’t yet claimed those additional Platinum and BA Amex Premium Plus welcome bonuses.

Amex cardAnnual FeeCashback/RewardEquivalent rate
NectarFree in year one, £30 after2 Nectar points per £11%
Cashback£25 (first year can be covered via referral link)Up to 1.25% cashback (paid on year anniversary)0.75% on first £10,000, then 1.25%
Preferred Rewards GoldFree in year one, £195 after1 Amex Reward point per £1, bonus points for every £5,000 spent0.64% to 0.75% if you spend at least £5,000
RewardFree1 Amex Reward point per £10.5%
British Airways American ExpressFree1 Avios point per £10.5% (if converted to Nectar)

Best Amex for extra offers

There’s a final category to consider when choosing your Amex – are there extras that come with the card? And if so, how much will they cost?

This table shows the main additional card benefits you might want to take advantage of.

Amex CardKey additional benefitsAnnual fee
Preferred Rewards Gold2 x £5 Deliveroo credit every month
4 Priority Pass airport lounge visits each year
£195
PlatinumWorldwide family travel Insurance
£200 UK dining credit each calendar year (£100 every six months)
Airport lounge access all year
£650
British Airways Premium PlusBA Companion voucher if you spend £15,000 each year (lasts 24 months, and valid in all classes)£300
British AirwaysBA Companion voucher if you spend £15,000 each year (lasts 12 months, and only valid in economy)Free

I wouldn’t keep the Gold card once the fee kicks in after the first year. I’d also avoid the Platinum after the year which includes a welcome bonus.

It’s a harder call with the BA cards. If you opt for the free BA card, it’s only valid for 12 months and only in economy, which might make it hard for you to find a flight you want to use as tickets are released 12 months in advance on the BA site, so you could well miss out on big destinations.

The Premium Plus voucher lasts longer, but you will be paying £300 to get it. From my experience it’s hard to get that back on economy flights, so you’d want to aim for Business.

But, to use a 2-4-1 Companion voucher you need to have enough Avios points to pay for the first flight AND you have to pay for taxes and fees on top. If that’s unlikely then neither are worth it. And you also need to weigh up whether you’ll be able to get a cheaper flight shopping around.

Best Amex to protect your Amex Reward points

If you decide to cancel the Platinum card at the end of your first year, make sure you protect any Amex Membership points linked to it before doing so. You’ll need to swap them or open up a different Reward card to ensure you don’t lose them.

There are two options here. The Reward card and the Preferred Reward Gold card. Remember, do not open up either of these cards before the Platinum if you think you’ll try for the boosted welcome offer on that card at some point.

Amex cardAnnual FeeCashback/RewardEquivalent rate
Preferred Rewards GoldFree in year one, £195 after1 Amex Reward point per £1, bonus points for every £5,000 spent0.64% to 0.75% if you spend at least £5,000
RewardFree1 Amex Reward point per £10.5%

Featured bank switch deal
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  • Switch bonus
    £200
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  • Extra bonus
    £25 Amazon Gift Card
  • FSCS Protected? Yes
  • Switch bonus requirements Switch using the Current Account Switch Service and close your old account within 60 days of starting the switch
  • Deposit requirements Deposit £1,500 in the first 60 days from opening the account
  • Direct debits transferred over Set up two Direct Debits before or after the switch from a selected list of household bills
  • Existing customers? Can't have held any Santander current account on 1 January 2025
  • Restrictions Can't have received a switching bonus from Santander already, offer limited to once per person
  • Eligible accounts Open a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
  • £25 Amazon Gift Card requirements To qualify for the gift card, you need to complete a full switch using CASS and make five debit card transactions by 31 December 2025

Best Amex for 2-4-1 flight vouchers

Two American Express cards can earn you British Airways companion vouchers. However, don’t get the free BA Amex card before the BA Amex Premium Plus if you want to try for the higher welcome offer with the latter card detailed further up this article.

With the Premium Plus you’ll need to spend £15,000 in the first year you’ll get a BA Companion voucher. This gets you 2-4-1 flights or an upgrade and is valid for two years and in all flight classes. Remember there is a £300 annual fee.

But after this year you have two options. If you cancel completely you won’t lose your Avios as they’ll have been added to your British Airways Executive Club account. This resets the clock to enable you to (potentially) get another bonus in two years time.

Or you can downgrade to the free BA Amex easily via a call or live chat and this will mean you keep an Amex without a new credit check.

If you choose to keep spending on it you still need to hit £15,000 in a year for a BA Companion voucher to use in economy class, valid for a just one year.

With both companion vouchers, bear in mind you need to have enough Avios points saved up to cover the cost of one ticket before adding the 2-4-1 voucher, and you still pay tax and fees on both tickets.

Amex cardAnnual FeeCashback/RewardEquivalent rate
British Airways American ExpressFree1 Avios point per £10.5% (if converted to Nectar)
British Airways American Express Premium Plus£2501.5 Avios point per £10.75% (if converted to Nectar)

The best ways to use and earn Tesco Clubcard points

You can get up to double value of your points

If you shop at Tesco, you probably already have a Tesco Clubcard. But how do you spend the points to get the best value?

What are Tesco Clubcard points worth?

You’ll get one Clubcard point for every £1 you spend at Tesco.

If you spend them in-store on your groceries, 100 Clubcard points are worth £1, so that means they have a base value of 1p each. And if you’ve got 1,000 points then that’s worth £10. And so on.

  • 1 Clubcard point = 1p
  • 2 Clubcard points = 2p
  • 100 Clubcard points = £1
  • 200 Clubcard points = £2
  • 500 Clubcard points = £5
  • 1,000 Clubcard points = £10
  • 2,500 Clubcard points = £25
  • 5,000 Clubcard points = £50

This means earning Clubcard points is the equivalent of getting 1% back on your shopping at Tesco.

But they can worth more through Reward Partners (previously called Clubcard Boost). Here you swap your Clubcard points for vouchers to spend elsewhere.

There used to be variable boosts. Some doubled your points, some tripled and some even quadrupled. However, this changed in June 2023 so points are now doubled when swapped with reward partners.

How to get a Clubcard

Tesco Clubcard is a free reward scheme. You can sign up on the Clubcard website or download the Tesco app.

How to use Tesco Clubcard points

You can’t spend Clubcard points until they have been converted into Clubcard vouchers. And to do this you need a minimum of 150 Clubcard points (the equivalent of £1.50). Points will only be swapped in multiples of 50.

You used to get sent these in the post with your Clubcard statement, which is sent every three months in February, May, August and November.

However this moved online for most customers in 2022. If you’ve used Tesco online you’ll get your statement and vouchers via email, unless you actively tell Tesco you still want them in the post.

A better way to convert points to vouchers is via the Faster Vouchers process as you don’t have to wait for the statement. You’ll only get a digital voucher via this method. Again you’ll need at least 150 points to convert them.

Whether paper or digital vouchers you can spend them in any Tesco store or on the Tesco online as part or full payment towards your shopping.

If you swap them with a Reward Partner you need to do this via the Clubcard website. These boosts will often have minimum levels (e.g. 50 points), and you can only swap increments of that amount (e.g. if you have 120 points you can only use 100 points)

How long do Clubcard vouchers last

When you’re issued a Tesco Clubcard voucher it’s valid for 2 years. Faster vouchers last 21 months from when they are exchanged.

You can check if you’ve any vouchers and their expiration dates in your Clubcard account.

Clubcard deals and promotions

There are a few ways to use your Clubcard to save more money at Tesco.

Tesco Clubcard coupons

Some customers have access to personalised coupons via the Tesco app. These coupons are tailored to your shopping, so hopefully that means you’ll see discounts for products you buy. They won’t all be money off, some could be extra Clubcard points. If you do get the vouchers, you’ll find them via the Clubcard tab, in a section called coupons.

Tesco Clubcard Plus

This premium service costs £7.99 a month, and benefits include 10% off two shops every month. It looks like a good scheme for regular Tesco shoppers. Here’s a full review of Clubcard Plus, including details on how to get it.

Tesco Clubcard Prices

Tesco lets you use your Clubcard to access lower prices for selected groceries in-store and online. You don’t need any points on your Clubcard – you just need to have one.

The best ways to spend Tesco Clubcard vouchers

There are actually hundreds of options, so we’ve scanned through them to find the best uses of your Clubcard points.

Charities

New to Clubcard is the choice to donate your points to food poverty charities Fareshare and The Trussell Trust. You can also give to the British Heart Foundation, Cancer Research and Diabetes UK.

Sadly Tesco doesn’t boost these donations as they do with other offers, which I think is a shame. Still if you have at least 50p in vouchers you can swap them.

Disney +

You can swap £15 worth of points for a three month standard Disney+ subscription or £9 worth of points for a three month standard with ads subscription. Both new and existing Disney+ users can take advantage.

Sometimes the offer is temporarily improved, for example, six months for the same price. Here are other ways to save on Disney+.

Days out

Fancy paying less when going to the zoo? A theme park? Museum? All these are available at a discount.

A lot of the “days out” used to be quadruple points and have been reduced to double – but they still represent decent value. It’s worth checking to see there isn’t a better offer out there, though one saving which is hard to beat is using your points for double credit towards an English Heritage or RHS membership.

It’s worth checking out other ways to save on days out if you go out a lot, as some discounts might be greater.

Cinema tickets

You can use your points to get cut-price cinema tickets, again at double value. So 50p in vouchers will get you £1 to spend. It’s only for Cineworld or Picturehouse.

You can also use your points towards the Cineworld Unlimited pass.

Theatre tickets

You can sometimes get theatre tickets. The 2x value applies to vouchers to use on the booking page of the show.

Railcards

If you regularly travel by train then a railcard can save you money every time you travel, and one of the cheapest ways to get one is by using your Clubcard points.

You can trade £2.50 in vouchers to get £5 credit towards your railcard. It works for most types of railcard.

Bonus airline points

If you already save airline points, this is a great way to get more. You can convert your Clubcard points (with a minimum value of £1.50) to Virgin points at twice their value, that is 1 Clubcard point is worth 2 Virgin points.

There are often bonus offers when you sign up to auto-exchange your Clubcard points to Virgin points for the first time, so it’s a good idea to wait for one of those before setting up the auto-exchange.

Magazine subscriptions

You can convert a minimum of 50p in Clubcard vouchers to get a £1 voucher to go towards a subscription.

So if you wanted to sign up to a year of Empire completely (at a cost of £69.99) via Clubcard points you would need £34 in points, and top it up by another £1.99 from your bank account.

Of course you can get other subscriber deals elsewhere which give good discounts. A quick search for Empire shows you can pay £55, so the Clubcard deal really saves you just £21.

It’s a similar story for other magazines available via Clubcard, including Good Housekeeping, Elle, Garden Answers, Golf and Esquire.

This isn’t the best way to save on magazines though – you can get them for free! Read about our hack to get free digital magazines 

Tesco Mobile bills

You can use your points to reduce the cost of your mobile bill. It’s only 1:1 rather than double, so you may as well use your points in-store.

At Tesco

There was a time, not too long ago, that you’d be a fool not to swap Clubcard points with a reward partner. But in the last few years the best offers have disappeared.

There are still lots of options, but whether they’re worth it comes down to two factors. One: Do you want or need what you’re swapping for? Two: Can you get that partner offer discounted elsewhere?

If it’s no for the first, or yes for the second, then you’re most probably better off using the points at Tesco – at least you’ll actually need food and drink!

Clubcard deals to avoid

Though you can save money by boosting your points in these areas, I think you can get similar savings elsewhere – meaning you should boost your points on the more valuable discounts listed above.

Restaurants

Even when these were 4x value, we advised that you could spend your points better elsewhere than at the chain restaurants included in Clubcard Boost. And now they are double instead, the deal is worse.

That’s because you can get decent discounts for the likes of Pizza Express and Bella Italia elsewhere. A simple google often brings up voucher codes for 40% off or two for one. Plus you can save at more places more often with a Tastecard trial.

So let’s say you’ve gone to Pizza Express and the final bill came to £30, it would have cost you £15 via Clubcard vouchers, or £15 via Tastecard or another voucher.

You may be able to double up these discounts though there’s no guarantee.

List of Tesco Clubcard restaurants:

  • Ask Italian
  • Bella Italia
  • Brew Dog Bars
  • Cafe Rouge
  • Chef & Brewer
  • Hungry Horse pubs
  • Pizza Express
  • Prezzo
  • Zizzi

Hotels

It’s similar with converting your Clubcard vouchers to spend on hotels. Though you can get double value on points to spend at Hotels.com and one or two other brands, you’re locked into booking direct with those websites, which might not offer the best rates available. We think you’re better off searching for the lowest prices elsewhere, and then using your points at one of the options above.


Quidco bonuses: up to £20 for new members (November 2025)

Get free cash when you shop at thousands of shops or other bonuses with these Quidco sign-up bonus offers.

We’re big fans of cashback and – even better – you can often get a bonus when you sign up for the first time.

Quidco is one of the big cashback sites, and we’ll list the best deals here, as well as any other specific cashback deals we think you can’t afford to miss.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

What is Quidco?

Quidco is a cashback website that lets you earn money back when you shop through its platform. It works with thousands of retailers across different categories, including fashion, tech, travel and groceries. When you make a purchase through Quidco, a percentage of what you spend is tracked and later paid out as cashback, which you can withdraw to your bank, PayPal, or as a gift card.

First time Quidco user offers

There are regular retailer-specific offers that come and go which could save you £10 or £15 if you buy at those shops. But the two generic offers below are far better as they mean you can spend your money wherever you want on whatever you want.

£20 bonus cashback when you spend £10

The best deal is for subscribers to our weekly newsletter who get access to an exclusive £20 first-time bonus when they spend £10. You’ll also get the cashback offered by the retailer on top.

Once you sign up, you’ll need to click on the sign up confirmation email that will be sent immediately. If you don’t see it please check your spam folders as it could be there, and then add our email address to your safe senders list.

Then look for a special email that will be sent to you with the exclusive Quidco sign-up link. Make sure to read the terms and conditions on Quidco’s website before making your first purchase to ensure it tracks.

This offer is due to end 31 December 2025, but will hopefully be extended

Get £10 cashback when you spend £5, plus extra cashback

This is an ongoing offer that can get you the cashback on any purchase, as long as you spend £5 or more. So if you spend £5 at any of the 5,000+ retailers listed on Quidco – which is pretty much all of them –  you’ll get £10 back plus whatever the cashback rate is. There are so many shops you’ll definitely find a way to get your cashback.

Ends 31 December 2025.

Existing Quidco customer offers

It’s worth looking for bonus cashback deals which can pop up from time to time. You need to click to activate these offers. We’ll add them below when we see them.

Quidco Flashback offers

Often Quidco has boosted cashback known as Flashback that runs for 24 hours. Sometimes we can share them in advance, although they could change or be cancelled. Always check the Quidco homepage for the full terms and conditions. You might also have to activate some offers.

Already with Quidco?

TopCashback also offers new member bonuses. Check out the latest here.

Free cashback offers

Some deals will give you money without actually spending any money:

£3 bonus when you install Quidco reminder (ended)

If you use Chrome as your internet browser you’ll be able to earn a £3 bonus by installing the Quidco Reminder extension, then using it to activate cashback while shopping and spend at least £3. There are a handful of retailers excluded which are listed in the terms and conditions when you click through. The offer comes and goes.

Black Friday Bootcamp – get yourself fighting fit

The things you should do BEFORE the Black Friday sales begin.

Black Friday is nearly here. Almost. Even though it won’t take place this year until Friday 28 November, the emails are already beginning to filter through and some early sales have begun. This will really ramp up later in the month.

That’s going to bring in a huge temptation to spend money, but also the potential to save money on things you actually need.

If you follow my three steps below, you’ll not only be fighting fit to get the best deals, you’ll also be able to avoid spending money you really shouldn’t.

And when the sales do start we’ll be updating our epic Black Friday and Cyber Monday sales page so keep an eye out!

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

Get your money in shape

This first part is ensuring you are properly prepared financially for the sales.

Check what you’ve got

Obviously you don’t want to spend more than you’ve got. If you have savings you don’t need elsewhere then that’s your fund. But make sure you keep enough back to cater for emergencies.

Consider a cashback payment card

If you are confident you’ll only spend what you can afford, then it’s worth considering a cashback card. You’ll earn a little bit back each time you spend, including some new member bonuses on some cards.

If you don’t have one you still have time to get one. The Trading 212 debit card gives you an instant digital debit card. This offers 1.5% cashback until the end of November (capped at £15 a month) if you opt to auto-invest your cashback

The new Lloyds Ultra credit card offers 1% back for a year, with no cap and the addition of section 75 consumer protection.

A bigger rate could come from American Express welcome bonuses, and you should have time to apply and get your card in time. But to make these worthwhile you have to be able to repay the full amount of spending every month.

Find extra cash

If you think you’ll be short of the funds you need then you’ve still got time to cut back on spending elsewhere or even look to earn a little more. There might also be some cash sitting in forgotten online accounts you can use.

Do your prep

Once you know what you can afford, it’ll help you work out what you are going to buy. This second step is making sure you don’t overpay in the Black Friday sales. Plus how to avoid getting carried away and buying things you don’t need.

Work out what you need

Avoid getting dazzled by a discount – it might not be something you are going to use. That’s a waste of money, no matter how much you use it.

Write a list of what you need and what you’re looking for. This’ll help you avoid endless scrolling through pages and pages of offers.

Think about why you are shopping

A study by the Money & Mental Health Policy Institute found that 54% of those with a recent mental health problem had shopped online to make themselves feel better.

If you find yourself putting something in the basket you hadn’t planned on buying then pause. If you can leave it a few hours, perhaps even a day, you’ve time to think about whether you really want to buy it.

Research what a good price actually is

Often the advertised discounts aren’t the real saving. Just because it says it “was £390, now £199”, it doesn’t mean it really is. This isn’t a random example.

A few years ago Argos had a Dyson vacuum cleaner as one of its headline offers with these exact prices advertised. £190 off sounds great, doesn’t it? In reality, you could have picked it up for £250 just before the sales. So yes, it’s still a good £50 off, but it’s not £190 off. So you need to be wary.

It’s easy to research the items on your list. A simple Google search will give you an idea, or if you want to take it a bit further you can look at the price history. This way you’ll know the real selling price in recent months.

Stop spending money now

If there are things you want to buy, then try to hold off until Black Friday itself. That’s when most retailers save their best discounts. Amazon is a great example, and its Echo, Fire TV and Kindle devices are likely to be heavily discounted – that’s how they get you on the site.

If you really need something now, or there’s a good deal, then, of course, go ahead and buy it. You might be able to claim a refund if the price drops later (more on this later).

Check returns policies

Make sure anything you get early can be returned. If you spot any bigger discounts during the Black Friday weekend you can always get it again at the lower price, and take back your original purchases for a refund.

Make your savings even bigger

Fast forward a few weeks and the sales are finally here. You’ve got your list of what you need to buy and know your budget so you can be more focused on your shopping.

This last part is full of the tricks to make sure you’re getting even more savings when you shop in the sales.

Use cashback sites

Quidco and Topcashback give you a little more when you shop. If you’ve not signed up I’ve deals that’ll get you a combined £40 bonus the first time you use each one.

Don’t forget your cashback card

And if it’s a credit card make sure you pay it off in full when the bill comes. 

Use a discounted gift card

A hack that’s been around for years but has recently got easier, is to buy a gift card at a discount and then use that gift card to pay. Here’s more about the pros and cons of paying this way.

Don’t get carried away

These sales might often have low prices but if you can’t afford it now, wait. You can still get a decent price at other times of the year, possibly even better if you time it right.

Shop with intent

That list you made of things to buy? Stick to that by only searching for those items. Be wary of just browsing.

Try to price match

The John Lewis & Partners’ “Never Knowingly Undersold” price promise is back, and there are other retailers who offer something similar. This can help you bring prices down more – sometimes even after buying.

And there are some shops, including John Lewis, where if you bought from them and the price subsequently drops, you can get the difference refunded.

Our podcast

Listen to Cash Chats, our award-winning podcast, presented by Editor-in-chief Andy Webb and Deputy Editor Amelia Murray.

Episodes every Tuesday.

Andy and Amelia with the text "Cash Chats Personal finance podcast"

Avoid Buy Now Pay Later services

I’m really not a fan of services like Klarna. They encourage people to buy more than they can afford, which can cause financial problems down the line.

The only reason they might be handy is if you are getting more than one size of an item and know you absolutely will return the ones that don’t fit. In that case you might be able to avoid paying for those extra sizes at all – though some refunds are taking a while to come through from shops, so don’t bank on this.

Sign up to our newsletter

Our weekly newsletter is worth signing up for anyway, but on the Thursday before Black Friday I’ll share the essentials you need, and hopefully some exclusive discounts.

Check out our ultimate list of Black Friday shops and deals

Our Black Friday deals page doesn’t have anything yet, but it will be updated with early deals when they start to appear. And then as more information is released, a huge list of who is doing what, and some of the top deals. So book mark it now and come back later in the month.

How to watch BT Sport for free and deals to save

BT Sport isn’t the cheapest channel out there but it is possible to pay less, and sometimes even get it for free.

BT Sport is now TNT Sports

TNT Sports replaced BT Sport in 2023, following a merger with Warner Bros Discovery. We’ve got a page with the latest TNT Sports deals and offers so you can carry on watching your favourite sports for less on that channel.

The cheapest ways to watch BT Sport are if you’re a BT broadband / TV or EE mobile customer. There’s a pay-as-you go option for those with different internet and mobile providers.

Here are the best offers right now to save you cash.

BT Sport and Be clever with your cash logo on blue background

Pay as you go passes

BT Sport month pass – £30.99

For the first time, BT has introduced a monthly pass at £30.99 a month. This means you don’t need to have any other service with BT or to sign up to a long contract – though you will have to cancel to stop the subscription rolling over to a new month.

The pass lasts for 30 days and includes all the BT Sport channels and discovery+, including 4K and HDR options if your TV supports it.

Sadly there’s no day pass as you get with NOW TV.

* The price increased from £25 on 17 February 2023

30-day pass via Virgin Media Stream – £16.20

If you get your broadband from Virgin Media then you can pay £18 a month on a rolling 30-day contract (so effectively a monthly pass), and get 10% credited back to your bill. You will need to buy a £35 Virgin Media Stream box though (here’s my review).

Get it with your broadband

If you get your internet services from BT or Plusnet then you can get the BT Sport channels for an extra charge each month. This starts from £15 a month and you can watch via the BT Sport App. It goes up if you also add other BT TV channels and get a Freeview Box to plug into your TV.

If you’re adding it to an existing BT contract then it could mean you start a new contract for all your BT services. Shop around for deals that’ll bring the price down, such as using cashback sites for an added bonus.

Get it via Virgin Media

Virgin Media Stream: £8 per month

You can currently get BT Sport channels for £8 a month via Virgin Stream. It’s a 30-day rolling contract so you can cancel at any time. You’ll get the price for 18 months max, when it will then revert to full price (currently £18).

However you do need to be getting broadband via Virgin Media and there’s a £35 one-off set up charge (this can often be haggled to zero if you call up).

Check out our review of Virgin Media stream to find out more.

Get it with your mobile

If your mobile phone is via EE you can buy passes to watch on your phone using the BT Sport app. You’ll get access to BT Sport 1, BT Sport 2, BT Sport 3, BT Sport/ESPN and BoxNation channels.

There are add-ons that let you watch it via the BT Sport app on your TV or improve picture quality to 4K.

Three months free with EE

EE customers can get the BT Sport app free for three months by texting SPORT to 150. Unless you cancel after this you’ll move on to the monthly paid subscription.

£10 a month mobile pass via EE

Access to the BT Sport app costs £10 a month. You can only watch it on your device and this is just for EE customers.

£15 a month to use BT Sport app on TVs and smart sticks via EE

The next level up is £15 a month the BT Sport Large Screen package lets you watch it on a TV via devices such as a Chromecast, Xbox, Amazon Fire Stick and some smart TVs.

The step-up to UHD/4K viewing is a package called BT Sport Ultimate which costs £20 a month.

10 months Big Screen & BT Ultimate for £15 a month via EE

This season pass lets you watch the channels on your TV and also upgrades picture quality to 4K. It’s £15 a month, so you’re saving £5 a month on the Ultimate package – but you are committing to 10 months.

There’s an early cancellation charge if you want to stop early, which you’ll also be charged if you switch away from EE for your SIM. To get this text SEASON to 150.

“Free” with EE Swappable Benefits

If you have a reasonably expensive “Smart Plan” contract with EE you can choose BT Sport as one of your swappable benefits. However I’d say you’re probably better off shopping around for a cheaper SIM-only deal.

You can pay £5 more to upgrade to the Large Screen package.

Three months BT Sport and Chromecast for £40 via EE (out of stock)

The BT Sport in a Box promotion gives EE customers (on a 12-month SIM-only contract or pay monthly tariff but not 30-day SIM-only deals) three months of BT Sport Large Screen and get a standard Google Chromecast (RRP £30) for £45.

You’re effectively getting a free Chromecast with this deal, though you might want to check out offers for the new Chromecast instead.

If you’ve not had the free trial, those three months will automatically be added to your account when you sign up.

BT Sport on YouTube

Watch the Champions League final for free

For the last five or six years, BT has shown the Champions League final and Europa League final for free via BT Sport’s YouTube channel and on the BT Sport website for free! So anyone can watch without paying.

In 2023 the games are as follows:

  • 31 May: Europa League Final (Sevilla vs Roma)
  • 7 June: Europe Conference League Final (Fiorentina vs West Ham)
  • 10 June: Champions League Final (Manchester City vs Inter Milan)

Free Discovery+ with BT Sport

If you get BT Sport via BT TV, EE or Plusnet, you can get the Discovery+ package for free, which includes Eurosport. This is worth £5.99 a month for £59.99 a year.

This should include the monthly BT Sport pass, but not if you pay Sky and Virgin Media direct for BT Sport. You’ll need to activate the offer here.

How to watch BT Sport on your TV

So how do you get these options on your TV? 

Check for an app on your TV or smart device

You can watch BT Sport on your TV if you have the BT Sport app. This is available on

  • Samsung Smart TVs
  • Amazon Fire Sticks
  • Chromecast
  • Roku devices
  • NOW sticks
  • Xbox
  • PlayStation
  • Apple TV
  • Netgem

Buy an HDMI cable

As long as you have a laptop with an HDMI connector, you can just buy a cable to connect to your TV. This should be the cheapest option – but I prefer the smart stick options!

Sport on other channels

You can watch sport on Sky, Eurosport and Premier Sports. Here’s my guide to the ways to save on each of them.

The best deals

Find our picks of the best offers in our dedicated deals library

Christmas savings schemes: boost your supermarket spending

Asda, Morrisons, Tesco, Sainsbury’s, Iceland and Co-op all offer Christmas schemes, and there’s a trick to get the bonus without risking your cash

The idea behind these supermarket savings schemes is to help people gradually save up some money that can be used at Christmas when food bills are usually higher.

As an incentive, some supermarkets offer a small bonus, normally between 2% and 6%. But you can take advantage of a loophole where you can get the full bonus paid out, yet you’d only need to “save” your cash for a day or two.

Here’s how they work, and how to get the best return possible.

This article might contain affiliate links, which provide a small commission to help fund the blog. However, they won’t affect the price you pay or the blog’s independence. Read more here.

Why I’m not a fan of Christmas saving stamps

First, these are marketed as alternatives to saving at a bank. Well, any money held in a bank is protected if the bank goes bust. If these supermarkets were to go under or you lost the gift card or voucher once it’s been paid out, you’d lose all your money.

You’ve also got less flexibility of how, when and where you spend your savings via these schemes. They tend to require you to spend your stamps in December, and obviously you can only spend them at one retailer.

Not only does that restrict the supermarket you use, but if you have an emergency you can’t use the money you put into stamps for any other reason. You might also not get change from your vouchers, pushing you to buy things you don’t need to hit the voucher value.

There are other options for people who want to save regularly in the build-up to Christmas, with banks and building societies currently paying rates of up to 6%. You can find the best rates in our summary.

So generally I’d say stay clear. But there is a trick where you can avoid most of the pitfalls but gain the free bonus.

Getting the most out of Christmas bonus schemes

Here’s the cash hack. The bonus on these cards isn’t paid until a set bonus day. So it’s only the amount saved on that date that counts. Plus there’s no requirement to save each week or month to use these schemes.

This means you can instead pay in as much as you can (up to the set limits) just before the scheme closes. Literally on the final day if you want.

Say you put in £120. You’ll then be entitled to the same bonus as someone who’s saved £10 a month since last Christmas.

Until you do this, you should be paying your money into a high-paying current account. So you’ll have earnt money in those accounts too. Double win!

But just make sure you’re aware of the risks and limitations with each card, such as deadlines to spend the money on your supermarket Christmas card.

The Christmas saver schemes

We’ve explained each of the main schemes and their deadlines below. But before you try this trick out yourself, do make sure you can spend the amount you save at that supermarket in the time given.

We are talking about small amounts of money unless you buy multiple cards. So it’s only worth the effort if you are shopping at those retailers anyway.

Asda Christmas Savings Card 2025

You can collect your card in-store, and then register it online.

The deadline to add funds onto an Asda Christmas Savings Card is 5pm Sunday, 9 November 2025. The bonus will be applied by 9am on Monday 11 November.

The bonus increases the more you save

  • £1 bonus when you save between £30 and £79
  • £3 bonus when you save between £80 and £129
  • £6 bonus when you save between £130 and £179
  • £9 bonus when you save between £180 and £229
  • £12 bonus when you save between £230 and £279
  • £15 bonus when you save £280 or more (max amount per card)

With this and all the other schemes, those savings are not cumulative. So put £80 on the card and you’ll only get £3, not £1 for the first £70 and another £3 for getting over the £80 threshold.

However, you don’t need to put the money down gradually – you can do it in lump sums. We’ve found that you can put up to £140 in at a time, so you can make two payments to get the full amount available.

The most effective way to do this is to keep your cash in a savings account, and then pay whatever you can afford by 9 November to earn the bonus.

With the highest level (£280) it’s the equivalent of 5.3% extra free. If you only save £79 it’s 1.25% extra.

There’s no limit to how many cards you can have. This could be useful if you’re short of hitting the bottom of a new level. For example, it’s better to have two £30 cards than one with £60.

Also you can use them all year round, not just in December.

BEST VALUE: £280 earns £15 = 5.3% bonus

Asda Rewards Cashpot 2025

Asda has an additional Christmas savings scheme for Asda Rewards members.

The Christmas Saver Cashpot is a feature in the Rewards app that works by allowing you to transfer money earned from your regular Asda Cashpot to the Christmas Saver Cashpot. The maximum amount you can transfer is £300 in total.

There are sometimes ways to get additional bonuses into your cashpot, you’ll find these on the homepage when they come along.

You can transfer money into your Christmas Saver Cashpot until 20 November 2025, and you can convert your Christmas Saver Cashpot into vouchers to spend at Asda, in-store or online, from 27 November until 31 December 2025, after which they will expire.

Co-op Saving Stamps 2025

You buy actual physical stamps with the Co-op scheme. Each stamp costs £1 and you put them in a booklet which you can use at the till whenever you want.

But to get a bonus (£2) you need to have filled a full book, which is 48 stamps. Hand this over at the till and you’ll get £50 knocked off your bill. That’s the equivalent of 4% extra. This bonus is only available in December, though you can use and buy the stamps every month of the year.

There’s no limit to the number of cards you can have, so you can have multiple cards to add stamps to. But make sure you don’t lose your cards as there’s no protection.

So the best option here is to buy 48 stamps just before you want to shop. Stick them all in, then hand it over. As with Morrisons, you will need to spend the full amount. So that’s a shop of £50 or more.

BEST VALUE: £48 earns £2 = 4% bonus

Iceland Bonus Card Christmas boost 2025

This scheme from Iceland runs all year so it isn’t technically a Christmas scheme. You get £1 for every £20 you add to your account, worth 5%. The bonus should be added within 48 hours.

However, once again this year, a Christmas bonus is available. If you hit the savings target of £100 by 11 November, you’ll get a £15 Christmas bonus on top of the standard bonus. You should receive your bonus by 22 November.

You can use the app or pick up a temporary card in Iceland stores, and will be posted a full card once you register online.

It’s a limit of one Bonus Card per customer and there’s a maximum of £1,000 that can be added to your card. Cards expire 24 months after you last use them.

BEST VALUE: £100 earns £15 = 15% bonus

Morrisons Christmas Savers 2025

The Morrisons Christmas card is linked to the Morrisons More app. Morrisons Christmas Saver stamps are purchased in-store by asking the cashier to add your chosen amount of digital stamps to your account. You will need to go online to monitor and manage your savings.

The cut-off point to buy stamps is 31 October 2025. The total saved and bonus added will be converted into a voucher to use in-store or online. You have to select on your My Morrisons account how you’d like to get the voucher.

You also can’t get change from a voucher. So if you have a £100 voucher you need to spend £100 or more in a single transaction at the till.

The maximum bonus you can get is £6. It’s calculated as follows

  • £1 bonus when you save between £49 and £96
  • £3 bonus when you save between £97 and £145
  • £4 bonus when you save between £146 and £193
  • £6 bonus when you save £194

The biggest return is £3 when you spend £97 or £6 when you add £194, gaining you 3%. I’d be wary of adding too much to this card as you need to spend your voucher in a single transaction, and there’s the end of the year deadline to spend it.

BEST VALUE: £97 earns £3 = 3% bonus

Sainsbury’s Christmas Club 2025 (including Argos)

The money you save on the Sainsbury’s Christmas Club card can be used online and in-store at Sainsbury’s and Argos. The bonus is worth 5% on every £50 you save.

The deadline for this one is 1 November 2025. Whatever you have on the card by 11:59 pm that evening will be used to calculate the bonus. There’s a minimum of £50 and a maximum of £500. Here’s how much you’ll get:

Card balanceBonus Value
£0.00 – £49.99£0.00
£50 – £99.99£2.50
£100 – £149.99£5.00
£150 – £199.99£7.50
£200 – £249.99£10.00
£250 – £299.99£12.50
£300 – £349.99£15.00
£350 – £399.99£17.50
£400 – £449.99£20.00
£450-£499.99£22.50
£500 and over£25.00

You can only add money to the card in a Sainsbury’s store, both at a normal and self-service checkout.

The bonus will be added to your card by the end of November and you’ll have until the date printed on the card to use it.

BEST VALUE: every £50 earns £2.50 = 5% bonus

Tesco Christmas Saver 2025

The Tesco Christmas Saver 2025 is live so you can start saving now. Here’s how it works.

You’ll need to opt in to switch your usual Clubcard vouchers for Christmas vouchers before 16 October 2025. 

To earn a Christmas bonus, you can top-up your Clubcard with money throughout the year via the Tesco app or Clubcard website, up to £360. Just click on the Christmas Savers banner on the app or website and select ‘Top up now’. Bonuses are calculated as follows:

  • £1.50 bonus when you save between £25 and £49
  • £3 bonus when you save between £50 and £99
  • £6 bonus when you save between £100 and £199
  • £12 bonus when you save £200 to £360

You get the top-ups and any bonuses sent as vouchers in your November Clubcard statement, alongside any Clubcard vouchers you’ve earned. You can then spend them in Tesco online, in-store or on petrol. You can’t boost them with Clubcard partners.

Clubcard vouchers and top-up vouchers are valid for 2 years, and the bonus vouchers are valid for 3 months.

BEST VALUE: £100 earns £6 or £200 earns £12 = 6% bonus

Saver scheme deadlines

To make sure you don’t miss out, here are the last dates to add money to the schemes for 2025:

SupermarketLast date to add moneyMaximum bonus
Tesco16 October 20256%
Morrisons31 October 20253%
Sainsbury’s1 November 20255%
Asda9 November 20255.3%
Iceland11 November 202515%
Co-op31 December 20254%

Are Christmas Saver Schemes worth it?

Christmas savings schemes can be a pretty good way of earning an extra boost on your money, as well as spreading the cost of Christmas a little. However, with the best earning 6%, except Iceland’s 20% for select people, are there better ways to save for Christmas?

One way could be by getting discounted gift cards using an app like JamDoughnut, HyperJar or Airtime or a cashback site like TopCashback. Right now, some of the above supermarkets let you earn up to 5% with JamDoughnut. Of course, some schemes can get you pretty good returns, but only if you save above a certain amount. You could have additional flexibility using discounted gift cards. Plus, if you haven’t used these before, there are additional welcome bonuses available, including £20 from TopCashback or £4 from JamDoughnut.