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20 October 2020

Save money as you pay for Black Friday deals

Our experts explain all the ways you can earn cash back on your Black Friday purchases and bag yourself an even bigger bargain.
Ellie Simmonds

Black Friday promises fantastic offers on all sorts of products, but you could save, and even earn, money by carefully selecting how you pay.

Here's how you can earn money through cash back credit cards and get serious discounts courtesy of cash back websites.

Use cash back credit cards on Black Friday

With a cash back credit card, you get a small percentage of everything you spend on the card, which is then paid back on to your card as credit. 

The key to making the most of these credit cards is to pay off your balance in full at the end of the month, otherwise any rewards earned will almost certainly be cancelled out by interest charges.  

Some retailers, including John Lewis, M&S, Tesco and Waitrose, offer reward credit cards. These reward spending with points that can then be exchanged for vouchers. 

With these cards, you'll usually be given extra points when shopping with the associated retailer, so this may be a good option for you if you often shop at that store. However, once again, it's essential that you pay off your balance in full every month to avoid hefty interest charges.  

Our credit card comparison tables have details on hundreds of credit cards, covering quality of service as well as interest rates and rewards, so you can choose the best deal for you.

Cut the cost of Black Friday shopping using cash back websites

You can get serious discounts on your online shopping by using cash back websites such as Quidco or Topcashback.

If you navigate to an online retailer via the link provided on a cash back site and complete a purchase, you'll get a cash reward transferred into your account.

There are hundreds of major retailers registered with Quidco and TopCashback, so there should be plenty of opportunities to get a discount on your online Black Friday purchases. 

Remember to delete your internet cookies before clicking through to the retailer, as this increases the chances of a cash back tracking properly.   

For tips on earning even more cash, take a look at our guide to .

Loyalty cards and Black Friday

If you scan a retailer's loyalty card at the till before making a purchase, you can build up points that can be exchanged for money-off vouchers. The rewards typically aren't as much as those offered by cash back credit cards, however.

See which loyalty cards are worth using with our loyalty cards guide.

Make the most of Black Friday deals

Before Black Friday, make sure you do your research so you know which products are worth buying. After all, there's no point getting a great discount if you end up with a product that's not right for you. 

Our expert independent tests will make sure you know what to buy and what to avoid, so read our reviews online to make an informed choice. We've listed the most popular Black Friday product categories below:

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