Ooof, imagine discovering you’ve missed out on £400 just because you’ve not left £100 in a 6.5% interest account which can be opened in seconds…
Yeah, not having home start / rescue / whatever they call it is a big limitation.
Price comparison sites offer “excess” policies, with all the extras like home start and national relay, for (iirc) £20-40/year + a £40 excess per call out. I’m sure these policies would be much better value for money for most people than the standard products available direct from AA, RAC, Green Flag, etc.
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I don’t think the Chase breakdown cover covers European travel either, it’s just UK only. It’s too limited for our situation. Wife WFH but also occasionally has to travel some distances and would need in the unfortunate situation of a breakdown, the vehicle being delivered directly to a dealership for diagnosis/repair (car is only 10 months old and under warranty), so being dumped at the nearest garage is absolutely not an option. Chase hooking up with the AA but not offering National recovery to the home address, is lame, but I guess that’s why they can offer it cheaper in the package.
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I’m annoyed with Chase purely because I can’t find one person to open the account 
worth remembering that neither Chase nor Nationwide actually offer first party repairs on their mobile insurance btw and will ask you potentially to ship the phone to their partner based solely on postcode lottery.
Chase have pushed out an email announcing changes to their everyday cashback offer. Customers can now earn 2 percent cashback up to £20 a month on the proviso that a total balance of £1000 or more across Chase saver accounts for every day of the month, or, make at least 15 payments a month on your debit card, credit card or via direct debit.
Chase UK hasn’t at time of posting, updated their website announcing this.
From a personal perspective, makes zero difference to me. I no longer have a salary paid into the account, I maintain a balance of around 20 quid a month. I just use the account now for abroad purchases, topping up the account as and when needed. My love for Chase has slowly but surely waned. They still won’t implement dark mode, which really grinds my gears, and they of course offer new customers the best savings rates. Good job I’m on a boosted rate with T212.
The text of the email. I’ve got about £1000 in savings there, so shall probably leave it be. Obviously 1% of a limited range of shopping with no minimum balance requirement isn’t doing it for Chase. Their gaff, their rules. I’m wondering when I will read the inevitable “FURY AS CHASE MOVE GOALPOSTS ETC ETC” as I have done this week with Lidl changing it’s loyalty scheme.
If this doesn’t work, maybe they will abolish cashback completely?
Cashback is changing
Dear Richard,
We’re making some changes to our Everyday Cashback Terms and Conditions from 1 July 2026. The changes affect your current cashback offer – including how to qualify for cashback. We’ve outlined a summary of all the changes below.
How much cashback you can earn
Starting from 1 July 2026, you’ll be able to earn 2% cashback – up to £20 a month – on eligible GBP sterling debit card and credit card payments made in the UK and the Channel Islands (Bailiwicks of Jersey and Guernsey).
How to qualify for cashback
We’ve updated our cashback qualification criteria. To earn cashback in any given month, you’ll need to have met the qualification criteria in the previous calendar month. This means that to earn cashback from 1 July 2026 onwards, you’ll need to start meeting the updated criteria from 1 June 2026. From that date, you’ll need to:
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keep a total balance of £1,000 or more across Chase saver accounts for every day of the month
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make at least 15 payments each month with your debit card, credit card or via Direct Debit
What you can earn cashback on
With the updated offer, you’ll be able to earn cashback when you pay with your Chase debit card or Chase credit card for:
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groceries
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restaurants
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cafes
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takeaways
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everyday transport
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fuel, and
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public electric vehicle charging points
Just so you know – sometimes purchases might seem eligible for cashback, but aren’t because of their Merchant Category Code (MCC). The MCC is a specific code given to merchants based on the type of things they sell. We don’t assign or decide a merchant’s MCC – but we use their code to work out whether you can earn cashback on a purchase.
Here’s more info on what you can earn cashback on.
Name of the offer
We’ve updated the name of your offer from ‘Everyday Cashback’ to ‘Cashback’.
When these changes will apply
We’ll apply the changes listed above from 1 July 2026. You have the right to opt out of cashback and other rewards at any time. You can opt out by heading to ‘Rewards’ in the app.
On your phone?
You can see a full summary of the changes we’ve made to the Everyday Cashback Terms and Conditions here or download a copy for your records.
On your computer?
To see a full summary of the updates, open the Chase app on your phone, tap the profile icon and go to ‘Legal’. You also have the option to download and print the summary for your own records.
From 19 May 2026, you’ll be able to download the updated Cashback Terms and Conditions. You can also contact us via ‘Support’ in the app to request a copy. Please note that your current Everyday Cashback Terms and Conditions will continue to apply until 30 June.
Yours sincerely,
The Chase team
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It’s £1000 in savings AND 15 payments, not “or” 15 payments.
Trash offer really. You lose money off the bat having to save with awful rates
They obviously sussed out there were people just using the account for cashback and nothing else, and keeping effectively a small or zero balance. Probably inevitable. So soon after such a massive ad campaign with Rob Brydon as well
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About £2 a month in lost interest? Could still be worthwhile some people, not for me though.
I think anyone that it could be worth it for would gain more value from an AmEx. Also worth remembering there are other places that offer a level of cashback across a wider range of categories, that don’t have these requirements.
The 15 card transactions would be a pain. Thought of Amazon top-up, but their minimum is now £5 rather than £1.
You don’t meet the 15 transactions a month in their newly expanded category of payments?
Not with normal transactions I don’t think. I’d have somewhere between five and ten I think. I don’t shop much 
Fuel is also included and so is electric car charging
Petrol twice a month, Sainsbury’s four times a month, top-up supermarket three or four times a month, which I guess is about ten. Hmmm. Might be doable, but then I’d only get the 2% on the first £1000.
I took it that those 15 transactions could be in any category
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DD or debit card, but I’ve just stopped using it for DDs.
Credit card purchases count too.
The 15 payments a month are to qualify for the cashback next month, and they can be any payments by debit card, credit card, or direct debit. They don’t have to be ones which you’d earn cashback on because, of course, you don’t earn any cashback on direct debits. The newly expanded category of payments is those on which you earn the cashback.