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Best ways to pay for Boxing Day and January sales

Many retailers beginning sales early

You could earn cashback on sales purchases by paying with a cashback credit card 

Which? explains how to secure even bigger discounts at Boxing Day and January sales. 

Many retailers have already launched their post-Christmas sales online, but it’s possible to cut an even bigger chunk off your purchases.

Here we explain how to make the most of cash back credit cards, cashback sites and loyalty cards. 

Find out more: January sales hub – find the best deals with Which? 

Make the most of cash back credit cards in the January sales

Use a cashback credit card in the sales and you can earn a small percentage of your overall spend paid back onto your card as credit.  

Make sure you pay off your balance in full at the end of the month, otherwise any cashback earned is likely to be cancelled out by interest charges.

Some retailers, including the likes of M&S, Tesco, John Lewis and Waitrose, have their own brand of credit cards, which reward spending with points that can be exchanged for vouchers. 

The Which? Money Compare credit card tables let you search hundreds of cards from providers large and small to choose a great deal based on quality of service as well as cost and benefits.

Which Money Compare table: cash back credit cards – dozens of cards compared  

Get an even bigger discount by using cashback websites

If you’re perusing the January sales online, you can cut an extra chunk off your purchases by using cashback websites, such as Quidco or TopCashback.

Just navigate to an online retailer using the link provided by a cashback website and complete your purchase to get a cash reward transferred into your account.

Hundreds of retailers are registered on cashback websites, so you should be able to find plenty of opportunities to get an extra discount on your purchases.   

It’s advisable to delete your internet cookies before navigating to the retailer to increase the chances of your cashback deal tracking properly.   

Find out more: cashback sites: what to watch out for – don’t get caught out by these stings

Scan your loyalty cards for reward points 

Scan a retailer’s loyalty card at the till before making any purchase, so you can build up points that can be exchanged for discount vouchers.

Loyalty cards don’t typically offer rewards as substantial as those offered by cash back credit cards, but are still worth using if you regularly shop at a particular store. 

Find out more: loyalty cards – we compare the most popular cards

Get the best products using our expert reviews

Don’t make an impulse buy just because an item is in the sales. Find out which products are worth purchasing first.

Our expert, independent tests will make sure you know what to buy and what to avoid. All of these products were popular last year.

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Which? Limited is an Introducer Appointed Representative of Which? Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited.

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