What should replace your Tandem Money credit card, which is being closed?
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Whilst it doesn’t offer any miles or points, we have recommended the Tandem Money cashback credit card on numerous occasions. It really had everything (apart from miles):
- no annual fee
- no foreign exchange fees
- 0.5% cashback on all spending
- operates as a Mastercard so widely accepted
Unsurprisingly, since I cannot imagine any scenario under which Tandem was making money from this product, it has been pulled to new applicants. The website also seems to imply that the clock is ticking for existing cardholders too.
You can find out more on the Tandem website here.
My preferred Visa / Mastercard cashback product is probably now the John Lewis / Waitrose one. This DOES have FX fees, but you also get 0.5% back on third party shopping and 1% back at John Lewis and Waitrose. There is no fee. All rewards are paid in shopping vouchers. There is currently a £30 sign-up bonus too.
The Aqua credit card also has 0.5% cashback – and paid in real cash – but capped at £100 per year. It DOES NOT have FX fees. I am not a fan of this product because it is aimed at people with credit defaults and is advertised as such. This means that you will get a low credit limit and it isn’t necessarily one to wave around in the pub. I know some HfP readers use it and are happy with it, however.
Want to earn more points from credit cards? – March 2023 update
If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.
In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.
SPECIAL OFFER: Successfully apply for either of the Barclaycard Avios credit cards by 2nd April 2023 and you will be entered into a free draw to win ONE MILLION AVIOS! Full details are on the application forms here (free) and here (paid). This competition is exclusive to Head for Points readers. T&C apply.
You qualify for the bonus on these cards even if you have a British Airways American Express card:
Barclaycard Avios Plus Mastercard
25,000 Avios for signing up and an upgrade voucher for spending £10,000 Read our full review
Barclaycard Avios Mastercard
5,000 Avios for signing up and an upgrade voucher for spending £20,000 Read our full review
You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.
British Airways American Express Premium Plus
25,000 Avios and the famous annual 2-4-1 voucher Read our full review
American Express Preferred Rewards Gold
Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review
The Platinum Card from American Express
30,000 points and unbeatable travel benefits – for a fee Read our full review
Virgin Atlantic Reward+ Mastercard
15,000 points bonus and 1.5 points for every £1 you spend Read our full review
Earning miles and points from small business cards
If you are a sole trader or run a small company, you may also want to check out these offers:
Until 30th March 2023, the sign up bonus on American Express Business Platinum is increased to 120,000 Membership Rewards points – click here. The bonus on American Express Business Gold is increased to 60,000 Membership Rewards points – click here. T&C apply, see the application forms for details.
American Express Business Platinum
Crazy 120,000 points bonus (to 30th March) and a £200 Amex Travel credit every year Read our full review
American Express Business Gold
60,000 points sign-up bonus (to 30th March) and free for a year Read our full review
British Airways Accelerating Business American Express
30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review
Capital On Tap Business Rewards Visa
Get a 10,000 points bonus plus an extra 500 points for our readers Read our full review
For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.
Barclaycard Select Cashback credit card
1% cashback (3% for 3 months if you apply by 31st March) and no annual fee Read our full review