Cashback Stack Calculator
Stacking means earning compatible rewards on the same spending. A portal and a cashback card can work together, but gift-card payments may be excluded. Select only the layers your purchase qualifies for, then compare the return after caps and fees. See our UK Cashback Guide for current examples and qualification steps.
Use spending eligible for every selected layer. Exclude delivery, VAT or other amounts when the offer requires it. The starting rates are illustrations, not live offers.
| Layer | Rate | Per year |
|---|---|---|
| % | £0 | |
| % | £0 | |
| % | £0 |
Gift-card cashback assumes you pay face value and earn a reward on that purchase. It does not model an upfront discount or a cashback-withdrawal uplift. Compare bank and card payment rates separately; turn off any layer excluded by the payment method.
For an annual fee, divide it by 12. Include only fees you want this cashback to cover.
Each layer is spend × rate, limited by its monthly reward cap; fees are then subtracted. The annual figure assumes 12 identical months, so use ongoing rates, not a short introductory promotion. It excludes joining bonuses, interest, tax, per-transaction rounding and investment movements. Pending cashback is not money ready to withdraw.Portal tracking conditionsand your card's payment exclusions still apply.
Start stacking
- TopCashback and Quidco — compare rates and use one portal for each purchase
- JamDoughnut — cashback when buying eligible gift cards; compare the payment-method rates
- Curve — selected-retailer cashback on paid plans, subject to caps and underlying-card eligibility. American Express is not supported.
- All cashback referral codes →