Credit Card Recommendations
- Thread starter AndyCr15
- Start date
Thats normal - we all have that issue
If you can use your personal card for expenses, flying BA long haul...get the fee card. Companion voucher in no time on 10k spend and sounds like you will already have a lot of Avios.
Key difference being fee paying card companion voucher is any cabin redemption! We did Business return to Tokyo in 2016, c130k avois and £1300 in tax - bargin for business long haul for 2.
Soldato
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This x1000.
Especially from the other side as a merchant, they're excellent compared to other companies.
It'll just be a debit card with perks. Revolut aren't authorised to issue credit in the UK (or anywhere IIRC). They weren't technically a bank until recently.
Soldato
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Waste of time. I stupidly got a metal curve card for a few months. It’s cool but realistically it’s just a waste of time unless you must have a metal card.
Amex every day is free
Caporegime
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Amex has several tier.
Free - Cash back, airmiles
£130 odd per year - Gold card, get Amex points, some hotel perks, free airport lounge entry.
£450 odd per year - Platnium - more and better lounge access, more hotel perks (free upgrade), car hire tier perks.
Black card - Invitation only.
There are some in between and different country’s Amex gets different perks too.
Soldato
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Are you better off with an Amex reward or cash back card? I've got the cash back one and get about £150 back a year. Am I better off with a reward card?
Soldato
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Not sure you've got that right, we've got a platinum one and it's only about 120 a year. Oh mines the cashback one though so might be different, I'd say the perks are more like the gold ones though.
Caporegime
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That’s a different card.
If you Google Amex Platnium, that one.
Platinum Card | AMEX UK
Experience a great range of premium travel and lifestyle benefits with Amex Platinum. From airport lounges to hotel upgrades and more with The Platinum Card®.
You are thinking of this one
Platinum Cashback Credit Card | AMEX UK
Get cashback on your purchases with the Amex Platinum Cashback Credit Card. Reward yourself with a great range of benefits from our travel and retail partners.
Revolut is a bank, its a bank account managed online (app only, dont think can be done via browser).
I have a physical card but not the metal version.
The real nice thing about Revolut is you get disposable virtual card's useful for any site you dont trust the security on.
You can also apply restrictions on a whim for your physical card.
The virtual cards are prepay spec (some say on their community they full debit, but I couldnt make payments to my credit card), however the physical card is a full debit.
you want to see the freebies with the Amex Platinum at the moment, you'd be daft not to (and bin it after 7 months for a cost of 300 ish and goodies worth well into 4 figures)
PT is 575 but can be cancelled pro rata but loads more then you list
worked properly
60k (65 with referral ) avios/virgin miles or other options
£100 free at Harvey Nics
£300 UK restaurant credit and 300 abroad
£200 hotel credit
10 a month at addison lee (ok this one is crap)
free travel insurance
free car hire insurance
gold status at hilton/marriot/melia and more
airport lounge access
other stuff too and you can cancel any time and get a pro rata refund
oh and its a lovely metal shiny card too
AMEX generally has the best deals on cashback with the credit cards or points with the charge cards. Can always have a fee free visa or master card that collects points under some other scheme for other purchases.
The platinum credit card is cheap enough (£25) and offers a good cashback deal.
The Gold charge card can usually be had for free for the first year, usually some offer where you get bonus points if you spend X amount in the first 3 months, you get a couple of lounge passes too, can just cancel at the end of the year.
The following year perhaps get say the BA AMEX card (there is an annual fee if you go with the premium charge card option here though it does have a very, very sweet offer in the form of the companion voucher for a flight).
There is some time limit before you can sign up for another gold card and get a free year and points deal but you can cycle these cards a bit... like get the BA one year when you're planning a big holiday and fancy using your points etc.. get the gold card the next then the platinum credit card the next etc..
^^^ that one used to attract the posers/Essex wide boy types etc. a few years back you'd get self-employed people putting as many business purchases through their platinum card as possible to get the 100k or so spending requirement... I think they've wisened up to that now and have ramped up the requirements + the annual fee.
There are still the consultants/salesmen/account manager types who manage to slip through the net though, unlike the self-employed wide boy types who are easily rumbled these guys do travel a lot and entertain clients etc.. and so are putting through exactly the sort of spending AMEX looks favorably on... only they're not actually paying for it but submitting expenses to their company. It used to wind up the travel secretary at one place I worked at, it's her job to book flights/hotels but some guys would insist on doing it themselves and if they're putting through last-minute business class tickets regularly + good hotels etc.. then their spending can be pretty high.
The slightly sadder thing is the highstreet banks copying it - you can get a "NatWest" or whatever "black card" now... which just seems a bit too try hard.
Soldato
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Yes, bit confusing they use the same name even though different "levels".That’s a different card.
If you Google Amex Platnium, that one.
Platinum Card | AMEX UK
Experience a great range of premium travel and lifestyle benefits with Amex Platinum. From airport lounges to hotel upgrades and more with The Platinum Card®.www.americanexpress.com
You are thinking of this one
Platinum Cashback Credit Card | AMEX UK
Get cashback on your purchases with the Amex Platinum Cashback Credit Card. Reward yourself with a great range of benefits from our travel and retail partners.
Caporegime
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Use the compare feature on the site, the Gold get a lot more benefits than the cashback platnium. The regular Platnium is a much higher tier card, with a fee and also APR to boot. People who get that should NEVER pay interest on their spending, i mean you shouldn't anyway but that one is ridiculous at 439% APR.
Oh thats annoying.
I've been using my Amazon CC several years it's great, obv just pay it in full and get the Amazon vouchers.
Have to look for an alternative then if it stops working like this.
Caporegime
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Amazon Business Credit Cards I American Express UK
With the Amazon Business Credit Card and the Amazon Business Prime Credit Card you can choose between Amazon Rewards or extending payment terms.
www.americanexpress.com