Tastecard & Gourmet Society trials & offers

A Tastecard membership gives you 2-4-1 and up to 50% off meals and cinema tickets across the country

Tastecard, Gourmet Society, Dine Card and Hi-Life Dining are the leading restaurant discount schemes, which often also come with savings at the cinema. Here are the latest offers, as well as more about how the memberships work and whether they are any good.

The bulk of these offers are for digital memberships, which means you access your card via the app on your smartphone. However, at times there are a couple of deals which come with a physical card – but do check when you click through.

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.

Top Tastecard offers

Most Tastecard offers are 2 for 1 or 50% off food. For when there aren’t any free trials of Tastecard, it’s got a monthly membership option, which means you can still give it a go without paying for a full year.

Tastecard: 50% off & £20 Pizza Express voucher

There’s currently a low price offer through the link below where you can get a Tastecard membership for £29.99. Alongside this you get a £20 voucher for Pizza Express

Offer ends 23 November 2025.

Tastecard: Free 90 day trial with Lidl+

If you have the Lidl+ app then you can get a 90 day free trial of Tastecard. You’ll need to click through via the app. This is available until 19 January 2026.

Tastecard: 60 day free trial

There’s currently a free trial on offer through the link below where you can get a Tastecard membership free for 60 days. The membership will auto-renew at £29.99 at the end of the trial unless you cancel it, which you can do at any time.

Unfortunately we don’t know when this offer is ending.

Tastecard: £2.99 per month

If you want to give Tastecard a go without committing to a full year, then you can opt for the monthly membership for £2.99 per month, but remember to cancel it if you don’t use it.

Tastecard: One year for £29.99

Here’s a reduced option for a whole year if you know you’ll want it for a full 12 months. Sometimes there are offers to lower this further.

Tastecard: Free with Totum student card

If you’re a student, or if you’ve ever had a Totum card from NUS or graduated in the last three years, you can buy an NUS Totum card which now comes with a free Tastecard. You’ll also get discounts at Apple, Co-op and more.

Top Gourmet Society offers

On the surface, Gourmet Society looks like a similar offering. But the deals can be different. For a start, it tends to offer 25% off the full bill including drinks, which could work out as a bigger saving for you. So do check the restaurants and deals before deciding which is best for you.

Gourmet Society: 60-days free membership

This free trial will get you 60 days. When the deal ends it will auto-renew at £5.99 a month.

Gourmet Society: Free with Club Lloyds current account

You can get a year of Gourmet Society membership as a ‘Lifestyle Benefit’ via the Club Lloyds bank account. However, you might be better off choosing free cinema tickets or a magazine subscription. More details here on the account and the different benefits.

Other dining club deals

These are similar, if not the same, as Tastecard and might represent better value depending on where you live and places you eat at.

Meerkat Meals: One year for £1(ish)

If you buy a one-day travel insurance product via Compare the Market you get access to both Meerkat Movies and the new Meerkat Meals. It’s more restrictive than Tastecard and Gourmet Soc, but it’s not a bad deal when paired with the movie offer. We’ve written more in detail about what you get with Meerkat Meals and how it compares.

What is Tastecard?

Tastecard restaurant offers

Tastecard is a membership scheme primarily offering money off at restaurants in the UK.

There are thousands of restaurants listed on Tastecard, from your local Indian to chains such as Pizza Express and Prezzo. They offer up to 50% off or 2 for 1 discounts. Do look for exclusions such as weekends or the number of people you can use the membership for on a table.

The membership is digital only, which you access via the Tastecard app. You simply show the card in the participating restaurant, normally before you order and certainly before you ask for the bill. Some restaurants require you to book in advance and to tell them you are using Tastecard. If this is the case, it will be listed on the specific restaurant tile on the app.

Tastecard + cheap movie rentals

A recent addition to Tastecard is the ability to get £1 off e-vouchers to use on movie rental site Rakuten. 

Tastecard + cinema deals

You can get discounted tickets at Showcase, Odeon, Vue, Picturehouse and Cineworld. Though do compare the discounted price with the box office price – it’s not always cheaper!

Gourmet Society and other schemes

Gourmet Society, High Life and Meerkat Meals are all run by the same company as Tastecard, and have a lot of similar deals. But each offers a slightly different discount and a few different restaurants, so it’s worth comparing them all to see which is best for you. Read our comparison of Tastecard, Gourmet Society, High Life and Meerkat Meals.

Are dining membership cards worth the money?

At full price (£79) I don’t think a Tastecard is worth the money, but around £30 isn’t a bad price as you’ll be even after a couple of meals out. Then the savings start. I’d definitely try a trial offer first just to see whether you’re likely to use it.

Before buying, check the Tastecard site to see what restaurants are included near you. If that looks good, take advantage of the offers below and go grab it!

For more details check out my comparison of all the different restaurant cards.

Cancelling your Tastecard

In the past, there have been issues with people forgetting to cancel before their free trial or annual membership ends.

Tastecard auto-renews your membership but you can cancel at any time in the app. To be safe, do it more than four days before your renewal date.

The best debit and credit cards to use abroad

Trading 212, Monzo, Starling, Chase, Halifax Clarity and more travel cards compared for overseas spending

If you’re heading out of the UK, using the wrong card for spending and cash withdrawals will mean you’re hit with extra fees on every transaction.

The good news is there are a decent number of debit and credit cards which offer near-perfect exchange rates. Here’s our guide to the top specialist travel cards.

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.

Our top travel debit cards

The cheapest cards are usually specialist debit cards that come via specific current accounts. You don’t have to switch banks to get these – you can simply open up a brand new extra account, and many won’t perform hard checks on your credit report either.

If this is an extra account you get just for holidays, it’s easy to transfer money across, whether as a lump sum or as you go along, using your online or app banking. Or of course, it could be your main current account where your salary is paid each month.

A benefit of debit cards over credit cards is you won’t get charged interest to take cash out of an ATM, though as you’ll see a couple do have monthly limits on your fee-free spending or withdrawals.

It used to be there were only a handful, but there are quite a few to choose from. However, since Chase ended the cashback on overseas spending, there’s not really much to choose between the bulk of them. Here are our top picks.

Top pick: PayPal+

The new PayPal debit card offers 1% back at home and abroad with no limits or fees, making it out top pick. You can also withdraw money for free.

PayPal+ debit card summary

Spending overseasFee-free (Mastercard rate)
Cash withdrawals overseasFree
Other benefits1%
Card delivery chargeNone

Top pick: Trading 212 card

The Trading 212 debit card pays 0.5% cashback on purchases at home and abroad, but this is often increased to 1.5% if you auto-invest your cashback. When this is runningit has the edge over PayPal.

Trading 212 debit card summary

Spending overseasFee-free (Mastercard rate)
Cash withdrawals overseasFree, but contactless only
Other benefits0.5% to 1.5% cashback on all spending (capped at £15 a month)
Card delivery charge£4.95
Welcome offerFree fractional share worth up to £100

BankFree spending?Free cash withdrawals?Credit checkExtra infoReviewsSmart Money People customer score
Top for cashback
PayPal+YesYesNoPayPal+ review
Trading 212Yes, interbank rate£340 a day (if the ATM is contactless)Soft0.5% cashback (increased to 1.5% until 30 November)

£4.95 charge for physical card
Trading 212 card review4.91 out of 5
Top picks for specific countries
ChaseYes, Mastercard rate£500 a day and £1,500 a calendar monthSoftNo charges at Chase machines in USAChase Bank review4.94 out of 5
Santander EdgeYes, Mastercard rate£300 a dayHardNo extra charges on Santander machinesour Santander Edge review3.73 out of 5*
Decent options
First DirectYes, Mastercard rate£500 daily limitHardour First Direct review4.68 out of 5
Halifax RewardYes, Mastercard rate£800 daily limitHard4.35 out of 5
HyperJar (prepaid card)Yes, Mastercard rateNo cash withdrawalsSoftNot a current account, so no FSCS protectionNot yet reviewed4.87 out of 5
KrooYes, Visa rate£200 limit per monthSoftATM charges will apply from 30 April 2025our Kroo review4.89 out of 5
Club LloydsYes, Mastercard rate£800 daily limitHardour Club Lloyds review4.39 out of 5
MonzoYes, Mastercard rate£400 (Europe) / £200 elsewhere every 30 rolling days / Unlimited if Monzo is your ‘main bank’Softour Monzo review4.92 out of 5
StarlingYes, Mastercard rate£300 daily daySoftour Starling review4.94 out of 5
Virgin Money M PlusYes, Mastercard rate£500 daily limit HardCan be opened and managed in-branch or via the phoneour Virgin Money M Plus review4.15 out of 5
*whole bank score

The following are also fee-free but only worth considering if you’re an existing customer or looking for extras like rewards and travel insurance.

  • Cumberland Building Society: fully fee-free but requires a £750 a month deposit to the account. Hard credit search
  • Halifax Ultimate Reward: a packaged account with travel, breakdown and gadget cover that’s got free spending
  • Santander (other accounts): you won’t be charged for cash withdrawals only if you use a Santander machine outside the UK, but you will pay for spending
  • TSB Spend & Save Plus: fee-free spending and the potential to earn £5 cashback a month, but has £3 monthly fee

Andy’s Top Tips

When you’re using one of these top travel cards, you’re often best paying in the local currency. If you pay in sterling, it’ll be swapped over at an exchange rate of the local bank’s choosing – which won’t necessarily be in your favour!

Also, though many of the cards we’ve mentioned are fee-free to use in ATMs, that doesn’t mean the local bank won’t add its own fee. So you’ll need to research for any that don’t do this in your destination, or plan ahead by making as few withdrawals as possible.

Our top travel credit cards

Specialist credit cards can be great for overseas spending as long as you pay off the debt before any interest is charged.

Credit cards are particularly handy for things like hiring a car or putting deposits down on hotel rooms. The money can be held on these without leaving your account. You’ll also get Section 75 consumer rights protection.

With all credit card applications, make sure you check your eligibility first if you can. And remember to clear the balance completely every month to avoid interest charges.

Top pick: Lloyds Ultra

This Visa card from Lloyds is our top pick for credit cards. It offers fee-free spending and, unusually, ATM withdrawals – and there’s no interest on cash you take out. However, it’s still better for your credit report to use a debit card for cash.

There’s also 1% cashback on purchases at home and abroad in the first year, decreasing to 0.25% afterwards. That’s great for holiday spending but there are better alternatives for spending in the UK.

You can read our full Lloyds Ultra credit card review for more details

Lloyds Ultra credit card summary

Spending overseasFee-free (Visa rate)
Cash withdrawals overseasFree, though will show on credit file
Other benefits1% cashback on all spending in year one
0.25% cashback on all spending from year two onwards
Card delivery chargeFree delivery

Runner up: Barclaycard Reward

This card from Barclaycard is very similar, just without the higher 1% rate for the first year.

However, if you do get this you won’t be able to get another Barclaycard, such as the Avios earning options.

Barclaycard Rewards credit card summary

Spending overseasFee-free (Visa rate)
Cash withdrawals overseasFree, though will show on credit file
Other benefits0.25% cashback on all spending
Card delivery chargeFree delivery

Other fee-free credit cards

CardFree spending?Free cash withdrawals?Credit checkExtra infoReviewsSmart Money People customer score
Best for cashback
Lloyds UltraYes, Visa rateYesHard1% cashback in year one, then 0.25%Lloyds Ultra credit card review
Barclaycard RewardsYes, Visa rateYesHard0.25% cashback
Other cards for cashback
Virgin Money Everyday Cashback credit cardYes, Mastercard rateNo (avoid)HardEarn 0.25% per £1, capped at £15 a month3.8 out of 5
Santander Edge credit cardYes, Mastercard rateNo (avoid)Hard2% cashback in first year, then 1%

Requires Santander current account

£3 monthly fee
Santander Edge credit card review3.75 out of 5*
Natwest Travel credit cardYes, Mastercard rateNo (avoid)Hard1% cashback on hotels, planes and other travel4.84 out of 5*
Virgin Atlantic Reward credit cardIn Europe, Mastercard rateNo (avoid)HardEarn 0.75% Virgin points per £13.8 out of 5
Yonder credit card (free version)Yes, Mastercard rateYes, up to £150 a day (but it’ll still show on credit report)Hard, but uses open banking tooEarn points that can be used to redeem rewards4.95 out of 5
Other fee-free cards
Halifax Clarity credit cardYes, Mastercard rateYes, but interest is addedHard4.11 out of 5
*whole bank score

Best smart travel spending cards

These cards aren’t normal debit cards, though they work just like one when you’re spending. You actually connect your existing current account or card to them via open banking. The conversion is made by the smart card at their exchange rate, which then takes the money from the underlying bank in pounds.

This makes it cheaper to spend overseas through other bank accounts that would normally be very expensive. They can be a great backup card, or even your primary travel spending card if you really can’t be bothered to go through the hassle of opening new accounts. There’s also no credit check.

Sadly, changes to Curve, our previous top pick, means it’s really not worth it. However, you can still get these features from Currensea.

Top pick: Currensea

With Currensea there are three options, but the free “essential” tier has a no extra fees on top of the exchange rates on your first £500 a month. You can take out £200 a month from ATMs for free.

The big issue could be the limits on which banks it works with. Right now that list is only the bigger banks:

  • Barclays
  • Bank of Scotland
  • Couts
  • First Direct
  • Halifax
  • HSBC
  • Lloyds
  • Nationwide
  • Natwest
  • RBS
  • Santander
  • TSB
  • Ulster Bank
  • Virgin Money

You’ll also need to pay £4.95 to get the card delivered.

When you sign up via this link you’ll be eligible for a £10 welcome bonus – however you’ll need to spend £150 in a foreign currency in the first six months to get the cashback.

Currensea smart debit card summary

Spending overseasInterbank/Mastercard rate on first £500 each month, then 1% FX fee on top
Cash withdrawals overseasFree up to £200 a month, then 2% FX fee on top
Card delivery fee£4.95
FSCS protection?Yes (on connected bank)

Best multi-currency cards to lock in a rate

The cards mentioned above will convert fee-free, but only on or just after the day you make the transaction. This means you’re not in total control of your budget when you’re away. If the pound were to fall against where you’re spending, you’ll ultimately spend more cash.

But there are options where you can pay fee-free on cards where you’ve already converted your pounds into another currency. Though of course, this could mean you miss out if the rate changes in your favour.

There’s usually a slight markup on the ‘interbank’ or ‘mid-market’ rates. This tends to be lower than the Mastercard or Visa rates, so even with the fee they’re often comparable.

When you spend with them, you’ll spend in the local currency. If you don’t have the local currency, most will let you pay fee-free and convert at the current rate.

However, there are usually quite strict limits on cash withdrawals, so you’ll likely want another card on your trip. Plus most of these will charge you for a physical debit card, so you’ll be relying on virtual cards added to your phone’s wallet if you want to avoid this fee.

The following are ones worth considering:

ProvderRateFree cash withdrawals?Card chargeExtra infoSmart Money People customer score
Revolut StandardInterbank (+ 1% on weekends)£200 limit per rolling month / max 5 withdrawals per rolling month£4.99Capped at £1,000 exchange per month4.92 out of 5
Trading 212Interbank + 0.15%£200 limit per month£4.954.92 out of 5
WiseInterbank + min of 0.33% (varies by currency)£200 limit a month / max 2 withdrawals a month£74.71 out of 5

Tech, appliances and electronics deals

From headphones to TVs, washing machines to fridges

If I spot special offers on any technology, appliances and electronics I’ll share them here.

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.

Discount vouchers

Curry’s Trash for Cash: free £10 voucher

Take old electric items to Currys for recycling and you’ll get a voucher for at least £10 off (with a minimum spend of £50). You can provide anything powered by battery or mains, working or not. It doesn’t have to be bought from Currys originally.

Usually, you only get a £5 voucher, but it’s currently £10 for a limited time, although there’s no end date at the moment.

The voucher will be valid until 30 December 2025, and they can’t be used on Apple products, consoles or gift cards.

Expired deals

Google: 20% off devices (ended)

Until Sunday 19 May 2024 you can use the code SPRINGTREATGB to save 20% on Google products. This includes already discounted items (though do shop around first incase you can beat the price).

It includes Chromecast, Pixel and Nest.

John Lewis: Free Google Nest Hub when you spend £75 (expired)

Spend £75 on selected home, furniture and electrical items at John Lewis and you’ll be able to add a Google Nest Hub (currently priced at £49.99) your basket. Then use the code MYJLGOOGLENEST at checkout to get it for free.

You do need to be a MyJohn Lewis member, which is free. Ends 8 June 2022, though previously offers like this have finished early if all the stock as gone.

Amazon device sale (expired)

Amazon is once again discounting the price of its Echo speakers, Kindles and more. But you don’t have to buy from Amazon direct as loads of retailers are price matching (eg Currys).

Here’s a selection:

Fire TV

Echo speakers

Kindle

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.

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 switching deal
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  • 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 within 30 days of opening the account

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)

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.

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

Episodes every Thursday.

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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.