Time to become a CASHBACK king
(or queen - but it doesn't alliterate as well)

- New. 1% on debit card spending year after year
- £200 FREE from a bank account
- Up to 3% cashback on your bills
- Extra cashback at many retailers
- Up to 12% off mobile bills
And you can combine these to gain £1,000s

Chase Bank launched its current account in Sept 2021, and has long been our top-pick cashback card, giving 1% cashback on  spending for the first year. It's now changing its rules so you can keep getting cashback even after the 12 months is up (with some T&Cs). So that made us think, how can you take the cashback crown, in every possible way...?

The Chase* app-based bank is a best or near best-buy in a good few categories. You don't need to switch to it to get the perks, and it only does an ID check on application, so won't affect your ability to get credit later. This makes it a great option to use alongside your normal bank account. It gives:

• 1% cashback on normal debit card spending for a year. This is unlimited for 12 months if you sign up before 1 May, but sign up after that and it's capped at £15/month. It does exclude cashback for buying cars, art, gambling and a few others - see the full list.
• New. Cashback continues after a year. For new and existing customers, the cashback will now continue, though after 1 April those who have had the account over a year will see cashback capped at £15/month (£1,500 of spending). Plus you'll need to pay in £500+/month to the current account, so set up a standing order. 
• 3% AER easy-access linked savings (max £500k) - near best buy.
• 5% 'round-up' savings pot on spare change from purchases.
• 1% interest on current account balances. From 1 April.
• Top card for spending overseas. Gives near-perfect rates (and 1% cashback on overseas spending too). See top cards abroad.

PS: Chase also just announced it'll put data on your credit file. As it doesn't have any debt products, such as overdrafts, credit cards or loans, this will likely have a positive impact on customers' credit scores.

You needn't use Chase as your main bank so you're able to combine it with your normal bank account. And right now, as four banks currently offer new switchers free cash. So unless you love your current current-account, why not get paid to ditch and switch?

Switching is easy: use the banks' seven-working-day switching service, and they move all money, direct debits and standing orders for you, forward all payments to the new account and close your old account. Full help and options in top bank accounts but in brief, here are our two top picks...

• Free £200 and £3/month cashback. The Reward account from sister banks NatWest* & RBS* pays switchers £200 and while there's a £2 monthly fee, you get £5 cashback, so you're £3/month up. To qualify for all this you need to pay in £1,250/month, log in to the mobile app each month, and have two direct debits set up.
  
  
• Free £175, top service, £250 0% overdraft, 7% regular savings, £30 Amazon voucher. New switchers to First Direct's 1st Account who apply via this uSwitch link* can get a free £175 from First Direct, plus claim a £30 Amazon voucher on top. You'll need to pay in £1,000+ once within three months to get the £175. 
  
  First Direct comes top or near-top of most customer service polls we do, with 90% rating it 'great' in the most recent. You usually get an ongoing 0% overdraft of £250, and can put up to £300/month in its linked 7% regular saver. If you're not interested in the £30 Amazon voucher, you can apply direct*. See full details, including how to claim the voucher, in Best bank accounts.

Bank switching can be done multiple times - some have made £1,000s over the years. MoneySaver Helen's quite new to it, but emailed us this: "I've switched 3 times in 12 months, netting a cool £450 + rewards! Also opened Chase to get the 1% cashback and used it abroad (no fees)... love being as savvy as I can after discovering MSE! Thanks for all you do."

For more info on how to get FREE cash regularly just from doing this, see our detailed how to keep switching bank for cash guide.

This is tougher to make work alongside the switching and cashback options above, unless you have a joint bills account (separate from your own account), in which case this is a great addition. With the Santander Edge* account, for £3/month (plus a £500/month deposit and 2+ direct debits) you get: 

• 1% back on household bills, such as energy, council tax and broadband (max £10/mth) 
• 1% back on supermarket + transport spending (max £10/mth)

You can then use this to pay bills and Chase for everyday spending.

There's a way to earn far more spending cashback than with Chase, but it's only for 3 months - though if you've a planned big-spend period coming, grab it. You use a reward credit card paid off IN FULL each month (or the interest cost dwarfs the cashback gain), and, as it's a credit card, you get Section 75 protection that you don't get with Chase. 

The Amex Platinum Cashback Everyday* card (best to first check your odds of being accepted) pays 5% cashback for the first 3 months (max £100), then an ongoing 0.5% to 1% cashback. Yet you have to spend £3,000+/year on it to get any cashback. Yet make sure you repay IN FULL every month or it charges 28.1% rep APR interest, which dwarfs the cashback gain.

If you'll spend over £10,000 a year, also check out the different Amex Platinum Cashback card. It can also be useful for those big spenders who have had Chase for over a year, and will soon face the £1,500 spending cashback cap. So you could use this for spending above that.

Cashback sites get paid by retailers when you spend through them, and to get you to do that, they give you some of what they get paid as cashback. So if there's something you need and you've checked where it's cheapest, then buy it from that store through a cashback website such as Quidco or Topcashback.

Some people make £100s a year from this - see our full cashback website pros & cons guide for more. And all this works ON TOP of the 1% Chase or reward credit card cashback.

Do bear in mind, earnings from cashback sites aren't guaranteed until they're in your account, so see them as a nice bonus, not a certainty.

This last one is the icing on the cake, as you can get it as well as the Chase cashback, and the cashback from cashback sites.

Link any Visa or Mastercard bank accounts you have (works with all UK banks, won't work with Amex) to minimal effort cashback app Airtime Rewards and it automatically tracks spending at 100+ retailers, such as Argos, Boots and Greggs. It then pays 1% to 12% cashback, redeemable as credit against your mobile bill (for the major networks such as Vodafone and EE but not Sky Mobile, Voxi, Tesco Mobile and so on).