Chase UK Cashback Alternatives: Maximise Your Rewards
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Chase Cashback Slashed – What’s Happened?
Chase UK has announced a major cut to its popular 1% cashback offer, reducing its appeal as a go-to rewards card. Previously, users could earn unlimited cashback on everyday spending, but as of 7 April 2025, the cashback benefit will be significantly reduced. If you've relied on Chase for cashback, it’s time to explore alternative options to keep earning rewards on your spending.
*You can still earn 1% cashback with Chase on UK groceries, transport, and fuel services.
Best Alternatives to Chase Cashback
1) iFast Bank – 2% Cashback
iFast Bank is offering 2% cashback on all debit card purchases (up to £40 monthly) — making it a solid option for anyone looking to passively earn money on their everyday spending.
Cashback Rate: 2%
More Info: iFast Bank Cashback Offer
*You can earn £5 for free when you sign up to iFast here.
What is iFast Bank?
iFast Bank is a new digital bank gaining traction in the UK thanks to its clean app interface and simple cashback offering. Once your account is verified, you’ll receive 2% cashback on all your spending with no minimums or categories — just use your card as normal.
2) Uphold Card – 1% Cashback
The Uphold Card offers 1% cashback on purchases in the UK, making it one of the closest replacements for Chase.
Cashback Rate: 1%
More Info: Uphold Card UK
What is Uphold?
Uphold is a multi-asset digital wallet and trading platform that allows users to buy, hold, and convert between various currencies, including cryptocurrencies, fiat money, and precious metals. In the UK, Uphold offers a debit card that gives 1% cashback in GBP on purchases.
3) Trading 212 Card – 0.5% Cashback
Trading 212 recently launched its own cashback card, rewarding users with up to 0.5% cashback.
Cashback Rate: 0.5%
More Info: Trading 212
*You can earn £40 for free when you sign up to Trading 212 here.
What is Trading 212?
Trading 212 is a commission-free investing and trading platform that allows users to buy and sell stocks, ETFs, and CFDs. It also offers a cashback card that gives up to 0.5% cashback on purchases.
4) Zilch – 0.5% on Everything / Up to 5% at Selected Retailers
Zilch offers 0.5% cashback on all purchases, with selected retailers offering up to 5% back.
Cashback Rate: 0.5% standard, up to 5% at select stores
More Info: Zilch UK
Explore how Zilch works here.
*You can earn £5 for free when you sign up to Zilch here.
What is Zilch?
Zilch is a buy now, pay later (BNPL) service that allows users to spread the cost of their purchases over six weeks with zero interest. It also offers a rewards program where users can earn cashback (up to 5%) on purchases when they pay in full, which can be used for future shopping.
Stacking Method: Earn 2.5% Cashback on Almost Everything with iFast + Zilch
Looking to make your money go further? By combining iFast with other tools like Zilch and Curve, savvy users are earning up to 2.5% cashback on nearly all their spending.
Here’s how it works:
iFast gives 2% cashback on all card spending (up to £40/month). Zilch adds 0.5% on top when used correctly.
Step-by-Step Guide to Stacking:
Sign up for iFast – Get a digital multi-currency card and earn 2% cashback on every purchase, up to £40/month.
Add your iFast card to Curve – Curve consolidates all your cards and makes stacking simpler.
Link Curve to Zilch – Set Zilch to charge Curve, which in turn charges iFast.
Spend via your Zilch debit card – This adds an extra 0.5% cashback on top of iFast’s 2%.
Zilch bills Curve → Curve bills iFast → You get 2.5% total cashback
Example:
Spend £100 using the Zilch card
Zilch gives you £0.50 cashback
iFast gives you £2.00 cashback
Total earned: £2.50
Tip: Keep an eye on Zilch partner retailers — they often offer extra cashback, on top of this stack!
Stacking Method: How to Earn 1.5%+ on Almost Everything
For those looking to maximise cashback, stacking multiple cards is the best strategy. Users in our community have successfully combined Uphold, Curve, and Zilch to earn 1.5% cashback on nearly every purchase. Here’s how to do it:
Step-by-Step Guide to Stacking:
Add your Uphold Card to Curve – This allows you to earn 1% cashback.
Link Curve to Zilch – This ensures that when you spend using Zilch, Curve is the actual payment method being charged.
Use the Zilch debit card for purchases – You’ll earn 0.5% cashback from Zilch, while Uphold still gives you 1% cashback through.
Essentially Zilch bill Curve who bill Uphold. Providing you have cash in your Uphold account the payment will come out.
*Uphold card not connecting to Curve? It may not be 3D activated yet, feel free to contact Uphold via live chat to get this sorted.
Total Cashback Earned: 1.5% on all general purchases, with potential for even higher rates at Zilch partner retailers.
Why Curve?
Curve itself doesn’t offer cashback (except during occasional promotions), but it acts as a middle layer, enabling the stacking method. Since Zilch treats Curve as a debit card, you can keep earning Uphold’s cashback without issues.
Final Thoughts
While Chase’s cashback reduction is disappointing, these alternatives can help you keep earning rewards. By using the stacking strategy outlined above, you can maximise cashback beyond what Chase previously offered.
