chase uk

Chase UK vs Monzo Cashback in 2026: Which Debit Card Actually Pays You More on Everyday Spending?

Chase UK's flat 1% paid me £15 a month on £1,800 of spending; Monzo Perks paid £8.90. Chase wins for brainless cashback on general spending, but Monzo overtakes it at Sainsbury's, Greggs, Deliveroo and Uber. The honest move is to keep both cards and route each purchase to whichever pays more.