Coffee cashback UK - how to save at Costa, Starbucks, Caffe Nero and Greggs
By Olivia Lignac · Published · Last updated
As Customer Insight Executive at tuck., I work closely with users every day on all things cashback and savings, giving me a genuine, ground-level understanding of how people can make their money go further.
Compare cashback on Costa, Starbucks, Caffe Nero and Greggs and find out how to earn up to 11% back on your coffee run with tuck.
If you buy a coffee most days, coffee cashback UK deals are one of the easiest ways to claw a bit of that spend back without changing your order. With tuck., you can earn real cashback at Costa, Starbucks, Caffe Nero and Greggs, on top of any points or stamps those brands already give you. Rather than waiting for a loyalty card to fill up, you buy a cashback card through the app and the savings land the moment you pay. Here’s how each brand compares, and how to make the most of it.
Which coffee shops offer cashback with tuck.?
Coffee is one of the best-covered categories on tuck., with four of the UK’s biggest chains all offering cashback through the app.
Brand | Cashback rate | Where it works |
|---|---|---|
Costa | Up to 10% | In-store only |
Starbucks | Up to 11% | In-store and online |
Caffe Nero | Up to 10.50% | In-store only |
Greggs | Up to 8.25% | In-store only |
How the rates compare
Starbucks currently sits at the top of the table, helped by working both online and in-store. Caffe Nero and Costa are close behind, both strong choices if you mostly pay in person. Greggs has the lowest rate of the four, but it also tends to have the smallest bill, so the actual cashback per visit is not far off the others.
How to activate cashback at your coffee shop of choice
The process is the same for every brand on tuck., so once you’ve done it for one coffee shop, you’ve done it for all of them.
- Download tuck. and search for your coffee shop of choice.
- Enter the amount you want to spend.
- Pay securely with Apple Pay, Google Pay or Instant Bank Payment.
- Your cashback card appears in the app within seconds, ready to add to Apple Wallet or Google Wallet.
- Use it at the till like any other card. Your cashback has already landed.
What it actually looks like on a £50 order
Brand | You spend | Cashback |
|---|---|---|
Costa | £50 | £5 |
Starbucks | £50 | £6 |
Greggs | £50 | £4 |
Rates are shown as "up to" figures because they can move, so it is always worth checking the live rate in the app before you buy.
Costa vs Starbucks vs Caffe Nero vs Greggs - which saves you most?
There isn’t a single winner here, because it depends on where you actually shop. If you order online as well as in-store, Starbucks' brand page has the edge. If you’re always in-store, Costa and Caffe Nero, both run close to each other. And if a bakery run is more your thing than a sit-down coffee, Greggs still puts a decent amount back for very little effort.
Does it stack with their own loyalty schemes?
For Costa, Starbucks and Greggs, yes: tuck. cashback is designed to work independently of each brand’s own points scheme, so you can keep collecting Costa Club stamps, Starbucks Rewards points or Greggs Rewards on the same purchase while also earning cashback through tuck.
Money-saving tips for your coffee run
Buy one card for the whole group
Getting coffee for the office or a group of friends? Generate one cashback card for the full order rather than several small ones. The cashback still applies to the whole amount, so there’s no reason to split it up.
Check for deals and set menus first
If your coffee shop is running a seasonal offer, meal deal or discount code, use it first, then pay the reduced total with your cashback card. You’ll earn cashback on top of whatever you’ve already saved, rather than on the full price.
A useful tip for September
September brings Macmillan Coffee Morning, the UK’s biggest coffee-and-cake fundraiser, which falls on Friday 25 September this year. If you’re contributing to one at home or work, buying one cashback card for the group order rather than several small ones means the cashback applies to the whole amount in one go, so you make a little back while everyone else tucks into the cake.