Cheddar

Cheddar is a UK-based financial technology company that builds rewards and payments infrastructure. Its core offering centres on the Cheddar app, a platform for purchasing gift cards that provide instant cashback, functioning like debit cards at checkout. Users can earn up to 10% cashback before they shop, with access to a network of over 200 UK retailers.

The company operates across the retail, payments, rewards and financial services sectors. Its technical capabilities span open banking technology and purchase behaviour data analysis. Additional product offerings include savings performance tracking and debit scoring capabilities.

Cheddar is authorised and regulated by the UK Financial Conduct Authority. The company won Best Newcomer at the British Bank Awards 2024.