Best everyday credit card for rewards?

Russinating

Russinating

Russinating

Soldato
Joined
27 Dec 2005
Posts
17,316
Location
Bristol
I've got a few Amex's which I use for spending where I can and I only use my debit for cash withdrawals. I'm looking for a new everyday credit card (so Mastercard or Visa) with some kind of reward be it cashback, vouchers or redeemable points.

My current one is the Lloyds Avios and I don't think I've ever used my Avios points.
 
Santander 123 cash back card offers up to 3% depending on where you're using it. It's not an awesome amount of cash back, depending on how much you use it obviously.
 
In the UK I use my Amex everywhere it is accepted, so roughly 90% of my spend goes through it. I have a Nationwide Select CC (Visa) as a backup which pays 0.5% cashback but also covers me for no fee and visa rate forex payments.
 
123 is nice enough for petrol and supermarkets, can't remember if there's a tie in with the 123 current account though.
 
I think you don't pay the £2 monthly fee (maybe for a year?) if you have a 123 current account.

Can't remember, i've had both for a while.
 
I currently use Tesco, surprising how much the vouchers build up, especially if you can fill up at one of their petrol stations.

Only recently did I spend £20 of vouchers, to then get another £6.50 through the letter box in their last lot of deliveries.

As Ash says above, it is great also if you can use the Boosts to your advantage also.
 
Depends how much you spend and where.

I've got a Halifax current account £5 reward for using it each month, and on top of that I have the Halifax Clarity Credit Card (free use abroad), and if you spend £300 a month you get another £5 reward.

Halifax also do a lot of cashback offers which you sign up to online. These vary based on where you shop and how much you spend, but for example I have Morrisons 10%, Body Shop 10%, Gourmet Burger Kitchen 10%, Hertz 15%, Hilton 10% and more.

I've also got the Santander 123 current account for the 3% savings and Direct Debit cashback. So there's no harm in taking advantage of a few banks deals. I personally don't find their credit card much value with the £24 a year cost of it, and that I don't spend that much on fuel and shopping.
 
Another vote for Tesco here, the vouchers alone are worth it, not to mention the money off petrol. :)
 
American Express Platinum Cashback Everyday Credit Card has netted me £170 cashback in 9 months, certainly not crazy levels of spending. There's no monthly fee and at a guess I spend roughly £500-600 a month on it, though I did make sure the opening bonus month coincided with some big purchases. It's accepted almost everywhere, just use my VISA credit card as a backup
 
I have the Tesco Clubcard CC which I use for everything and then pay off in full each month. That way I rack up nearly a £1000 worth of points each month and then the vouchers roll in. I exclusively use them for days out/meals so get 4x there value, which means I get a lot of returned value from my spending. :)
 
McBain said:
Santander 123 cash back card offers up to 3% depending on where you're using it. It's not an awesome amount of cash back, depending on how much you use it obviously.
Click to expand...

And 15 percent cashback from selected merchants now as part of their "My Offers" reward... places like Homebase etc. you click onto through their website to a bit like topcashback etc.
 
I use the Santander 123 for all my purchases now. Different % for different items. But makes me about £9 a month after the fee.

However if you already have a Santander 123 current account they refund the first years fee.

Also 23 months 0% on purchase.
 
J.T said:
Another vote for Tesco here, the vouchers alone are worth it, not to mention the money off petrol. :)
Click to expand...

Both myself and the gf have tesco cards, both assigned to the same Clubcard as well so vouchers come through all the time (also the tesco double voucher thing thats on!)

Also the 0% interest for 18 months is awesome :)

Managed to save £68 on a moto 360 because of it :)
 
I use Tesco for the points. Works out that I get about 50% off my four train journeys back up to my parents each year. Although I used them to get free any time delivery for shopping for a year. They build up quickly!
 
Anyone got a a Virgin Atlantic card? I don't want to pay for the 'black' one but I've got a big purchase coming up and you can get 10k points with it, plus 1pt for every £1 spent. I already have a decent amount of miles due to travelling with work but not actually used them yet...
 
You must log in or register to reply here.
Back
Top Bottom