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Whilst not the usual HfP fodder, it’s worth not being blinkered into thinking that points are always the best option.
Platinum Cashback Everyday Credit Card – Free
-Receive 0.5% cashback on spend up to £10,000
-Receive 1% cashback on spend above £10,000Platinum Cashback Credit Card – £25 annual fee
-Receive 0.75% cashback on spend up to £10,000
-Receive 1.25% cashback on spend above £10,000Lloyds Bank Cashback credit card – Free
– Earn 0.25% cashback on your first £4,000 of purchases per calendar year.
– Earn 0.5% cashback on further purchases once you’ve made over £4,000 of purchases per calendar year.Chase Debit Card – Free
Get 1% cashback on your everyday spending- This topic was modified 55 years, 4 months ago by .
You should add a note that the Chase debit card cashback is only available for your first 12 months.
Santander is 0.5% cash back but £3 per month.
You have Vitality as well but need to have a policy with them to qualify for the card.
Barclaycard Rewards also pays 0.25%.
For those who spend on behalf of a business, there are a few cards that offer 1% cashback – Barclaycard Select Cashback, Capital on Tap and Santander. Jeeves also worth a look – fintech firm offering up to 4%.
1.25% on the Amex cashback very often beats points.
You’ve missed a few other cards:
RBS
Santander
PayPal Business
Barclaycard RewardsAlmost-cashback:
John Lewis
Sainsbury
TescoI think there’s also some Amazon cashback cards.
You should add a note that the Chase debit card cashback is only available for your first 12 months.
If there was an edit button I would…
As Rob has noted the BA (or even better the BAPP) Avios converted to Nectar points is as good as cash (sainsburys, Argos or Ebay ) and beats most of the above
The Chase card also has 3% cash back on Amazon between now and the end of the year – quite worrying how much it turns out we spend at Amazon when it all gets aggregated together!
Yes but there are still places that don’t take Amex, so a good non Amex in the wallet is always a good idea.
Not so much, some of us like our cash to work at more than a handful of retailers.
At best the BAPP is 1.2% cashback, but then you’ve got to pay £250 for the card.
For NHS Staff or members of a Union, there’s also the Ode/Spree card.
7% Argos, 2.5% Asda, 5% Boots, 5% John Lewis, 3% M&S, 4.5% Primark, 3% Sainsbury, 3% Waitrose, 6% Waterstones, 5% Wilko
Just have to be careful to use the right card at the right time as often you may be better off using an MBNA Card that’s registered with Airtime.
Speaking of MBNA, the Horizon cards, 0.5% (1% until end Dec) cashback and no fees for anything (pretty much).
I know these aren’t available to new applicants, but a lot of people presumably still have them.
As Rob has noted the BA (or even better the BAPP) Avios converted to Nectar points is as good as cash (sainsburys, Argos or Ebay ) and beats most of the above
Why would you ever use a 1.2% Amex when you can use a 1.25% Amex?
As Rob has noted the BA (or even better the BAPP) Avios converted to Nectar points is as good as cash (sainsburys, Argos or Ebay ) and beats most of the above
Why would you ever use a 1.2% Amex when you can use a 1.25% Amex?
And save £225 in annual fees.
For the 241 voucher no? Isn’t that the whole point of the BAPP card? The earning rate is only the cherry on top. However yes, if you’re not planning to earn the voucher and use your Avios for it then there’s no point getting the BAPP.
- This reply was modified 55 years, 4 months ago by .
A question regarding the Amex cashback cards, does holding one mean it voids a ‘2-year’ break for bonus points offers?
Yes, but except for BAPP or Amex Platinum, which have their own specific 24 month break conditions (no BA card / no MR earning card, respectively)
I might as well add that the controversial comment that crypto.com visa card offers cashback (paid in CRO currency) of varying levels, for example 2% when you stake £300 in CRO for 6 months.
I’ve switched my points earning card to a cashback earning card. The majority of the time I was not getting much more than 1.25% return using points and they are heavily restricted on use and availability.
Its not exciting but with travel restrictions, marriott going to an revenue based scheme and IHG card going by the wayside the good use of points is getting more and more difficult
I might as well add that the controversial comment that crypto.com visa card offers cashback (paid in CRO currency) of varying levels, for example 2% when you stake £300 in CRO for 6 months.
Still quite undecided about this to be honest. If you can earn £300 back then I guess it is fine. Is it possible to use with H+L top ups for example or is it as restrictive as the chase card?
I might as well add that the controversial comment that crypto.com visa card offers cashback (paid in CRO currency) of varying levels, for example 2% when you stake £300 in CRO for 6 months.
Still quite undecided about this to be honest. If you can earn £300 back then I guess it is fine. Is it possible to use with H+L top ups for example or is it as restrictive as the chase card?
You also get a free monthly Spotify subscription
I might as well add that the controversial comment that crypto.com visa card offers cashback (paid in CRO currency) of varying levels, for example 2% when you stake £300 in CRO for 6 months.
Still quite undecided about this to be honest. If you can earn £300 back then I guess it is fine. Is it possible to use with H+L top ups for example or is it as restrictive as the chase card?
There’s a full list of MCC codes for which you don’t get cashback here https://help.crypto.com/en/articles/4597450-restriction-of-cro-rewards-program
I signed up about a month ago and my £300 stake has gone down by about £90 which isn’t great. Who knows where we’ll be in another five months. I bought near the current ATH. I’d give you a referral link if I’m allowed to if you want to give it a go. I’d be be more comfortable buying in now at a lower price than at the point where I did, but it’s crypto and anything can happen.
3 years on from the last post… what’s the best non-Amex cashback credit card available at the moment?
It appears to be the Amazon Barclaycard. Gives you get a £30 Amazon voucher on signup, and 0.5% cashback for the first year – dropping to 0.25% after that.
Thoughts?
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