Tuck

winkowinko

Anyone use it or a similar cashback app?

I've never used a cashback gift card, but I've spent a bit of time looking at the Tuck app recently, and have learned that you can load a gift card for everyday grocery shopping,, Sainsbury's, Waitrose, etc and get somewhere in the region of 3 to 4.5% cashback. Also available for other places like Wickes and B&Q, where I buy things for the house now and then.

I'd never really considered doing this previously, but I've done the maths, and it looks like I could save/earn a few hundred quid a year just by doing my normal shop.

Slinky

Never heard of Tuck, but I use the everup app which gives cashback on giftcards. I try and look at the app before purchasing almost anything to see if a giftcard is available.

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82145320#Comment_82145320

Tuck is much like Everup, worth checking them both since there can be 0.5-2% difference on same giftcard's cashback. Use them both with no problems for ~£100/wk shops.

Everup does allow payment by credit card for extra cashback, can't persuade Tuck to do same, needs payment by bank connection, Everup also allows spend of cashback earned on next gift card.

Used to use Airtime but that seems to have given up on the main supermarkets.

winkowinko

Thanks @Slinky. So you buy the card and receive the cashback immediately, before you've even bought anything? Do you top it up just before payment, or load it with a set amount and use it until it's empty before reloading?

Ideally i'm looking for an app that covers both Aldi and Waitrose, as they are the two main shops I buy my food from.

flaneurs_lobster

Ideally i'm looking for an app that covers both Aldi and Waitrose, as they are the two main shops I buy my food from.

Neither Tuck nor Everup offer cashback at Aldi, suspect this will be true of Lidl too (not checked).

You are incentivised to spend the cashback within the apps, there's a minimum amount that must be 'earned' before it can be returned as cash.

I buy one-off cards just before spending, don't want to be holding inherently insecure card balances for any longer than necessary. Also a problem if Tesco goes bust while you're holding…..

winkowinko

https://forums.moneysavingexpert.com/discussion/comment/82145360#Comment_82145360

So you just buy the gift card for the exact amount at the till once you know what your total spend is?

grumpy_codger

https://forums.moneysavingexpert.com/discussion/comment/82145360#Comment_82145360

Neither Tuck nor Everup offer cashback at Aldi

What does "Get up to 3.60% cashback every time you shop at Aldi" mean then? And why is it UP TO for every their cashback %?

winkowinko

https://forums.moneysavingexpert.com/discussion/comment/82145388#Comment_82145388

I'm guessing the 'up to' part applies to all brands which have at some stage received up to x% cashback.

In the case of Aldi, it looks like you can receive a scratch card reward instead, which I really can't be arsed with. I also notice that the voucher can't be used on self-service checkouts, which immediately rules it out for my lunchtime purchases. Have you seen the queues for the staffed checkout tills?

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82145387#Comment_82145387

Have done this (easy with self-scan running total), but I know pretty much that my shop will be somewhere north of £100 so I usually buy a £100 or £120 gift card while sat in the supermarket car park. Settle the balance with a card.

friolento

Am I missing something or is there zero account security in Tuck?

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82145577#Comment_82145577

Now you mention it, none whatsoever.

I've got it in the Secure Folder of my Samsung - but another reason why you don't want gift cards hanging around for longer than absolutly necessary.