Can I use Trumf and cashback at the same time?

Often yes, since they are two independent schemes. Whether they can be combined depends on the shop and how points are earned there.

Is cashback better than points?

It depends on what you prefer. Cashback gives real kroner to your bank account that you can spend freely. Points often give predictable value with chains you shop with regularly anyway. Both are genuine benefits, just in different ways.

Why do I get money rather than points with cashback?

Because cashback is built around the shop paying a commission for customers who arrive via the click, and that commission is shared back to you as kroner instead of through an internal points system.

Does it cost anything to use cashback?

No. You pay the same price in the shop as you otherwise would. Cashback comes on top, funded by the commission the shop pays for marketing regardless.

Cashback versus Trumf and points: what is the difference?

Two different ways of getting something back

When you shop, several schemes will give you something in return. Points programmes such as Trumf collect points when you shop with the chains attached to the programme, and those points can later be used as payment in the same shops. Cashback works differently: you click through to the online shop via a service like Sparebørsen, shop as normal, and get a share of the purchase sum paid out as ordinary kroner to your bank account.

Neither costs you anything extra. You pay the same price in the shop either way; the difference lies in what you are left with afterwards, and how freely you can spend it.

Points are tied to a place, kroner are not

Trumf points and similar schemes are valuable precisely because they are predictable within their own sphere: you know what you get and where you can spend it. But the value is usually bound to the chains in the programme. Shop somewhere else and you get no points, and the points you have collected cannot be spent just anywhere.

Cashback paid out in kroner is not bound to one shop or chain. The money lands in your bank account and can be spent just like the rest of your wages: on bills, on savings, or on your next purchase somewhere entirely different from where you originally shopped.

How the money comes from the same place

Both models are ultimately funded by the shop setting aside part of its marketing budget to reward customers who buy through a particular channel. With Trumf it is the membership and the chain affiliation that trigger the points. With cashback it is the click via a service like Sparebørsen that tells the shop where the customer came from, and it pays a commission that is shared back to you.

That makes the two models different tools for different needs, rather than competitors in any real sense. Plenty of people in fact use both at once: the loyalty card in the shop and the cashback click as well, wherever the two can be combined.

Which should you choose?

If you shop a lot and loyally with the same chains, points programmes can give good value over time, especially if you were going to spend the points there anyway. If you want something that is not tied to one place, and that you can use entirely as you please, cashback in kroner is a simple addition that does not ask you to change your shopping habits.

One does not rule out the other. The point is to know what you actually get: points you can spend in one place, or kroner you can spend anywhere.