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  • FIRST POST
    • TheLondoner
    • By TheLondoner 7th Oct 16, 3:28 PM
    • 55Posts
    • 10Thanks
    TheLondoner
    Best credit card for cash back/rewards?
    • #1
    • 7th Oct 16, 3:28 PM
    Best credit card for cash back/rewards? 7th Oct 16 at 3:28 PM
    hi guys,

    I'm going to be spending around £1200-1500 over the next few months and I wanted to get a new credit card to earn some points/vouchers. Both items will probably be purchased from John Lewis, so I was thinking of getting the partnership card and get 1 point for every £1 spent. However they only pay half the rate for non John Lewis shopping.

    I was wondering whether anyone knows any other credit cards that offer better rewards? (overall - including on
    non-John Lewis shopping)

    NB: I'm usually a low spender and these will be one off extravagant purchases so I'm not after one of those cards where you have to spend £2k a year or £500 a month etc, as quite a few of them seem to be.

    Any advice, as always, greatly appreciated
    Last edited by TheLondoner; 07-10-2016 at 3:58 PM.
Page 1
    • MallyGirl
    • By MallyGirl 7th Oct 16, 3:44 PM
    • 1,568 Posts
    • 3,775 Thanks
    MallyGirl
    • #2
    • 7th Oct 16, 3:44 PM
    • #2
    • 7th Oct 16, 3:44 PM
    I have better cashback from Amex but it required a minimum spend that wouldn't work for you. I would try for partnership since it is a JL purchase.
    • TheLondoner
    • By TheLondoner 7th Oct 16, 4:00 PM
    • 55 Posts
    • 10 Thanks
    TheLondoner
    • #3
    • 7th Oct 16, 4:00 PM
    • #3
    • 7th Oct 16, 4:00 PM
    I have better cashback from Amex but it required a minimum spend that wouldn't work for you. I would try for partnership since it is a JL purchase.
    Originally posted by MallyGirl
    Just out of interest - which Amex card do you have?
    Last edited by TheLondoner; 07-10-2016 at 9:07 PM.
    • MallyGirl
    • By MallyGirl 7th Oct 16, 4:39 PM
    • 1,568 Posts
    • 3,775 Thanks
    MallyGirl
    • #4
    • 7th Oct 16, 4:39 PM
    • #4
    • 7th Oct 16, 4:39 PM
    Platinum Cashback - currently gives me 1.25% on all purchases but I had to spend £7k (I think) to reach that earning rate and they have dropped it to 1% for new customers

    0% on purchases for 21 months too
    • TheLondoner
    • By TheLondoner 7th Oct 16, 4:46 PM
    • 55 Posts
    • 10 Thanks
    TheLondoner
    • #5
    • 7th Oct 16, 4:46 PM
    • #5
    • 7th Oct 16, 4:46 PM
    I found this on MSE credit card pages - seems pretty good: http://www.moneysavingexpert.com/credit-cards/credit-card-special-offers

    The American express rewards card. £50 off voucher if I spend £1000, and £1 per point. The only drawback I guess is that if I spend £10,000, I'll only get £50 back, which is £5 per £1000, which is paltry! I guess it is on par with John Lewis, but the initial £50 vouchers makes it worthwhile I suppose.

    What do you guys reckon?
    • JJG
    • By JJG 7th Oct 16, 5:12 PM
    • 197 Posts
    • 229 Thanks
    JJG
    • #6
    • 7th Oct 16, 5:12 PM
    • #6
    • 7th Oct 16, 5:12 PM
    I found this on MSE credit card pages - seems pretty good: http://www.moneysavingexpert.com/credit-cards/credit-card-special-offers

    The American express rewards card. £50 off voucher if I spend £1000, and £1 per point. The only drawback I guess is that if I spend £10,000, I'll only get £50 back, which is £5 per £1000, which is paltry! I guess it is on par with John Lewis, but the initial £50 vouchers makes it worthwhile I suppose.

    What do you guys reckon?
    Originally posted by TheLondoner
    It depends entirely on how much you will be spending on the card. If you will be spending £10,000 a year then that card is not the optimum one. If at you said in your initial post you plan an spending £1,200 to £1,500 then this card is the best. You're effectively getting 5% cashback for the first £1000.
    • TheLondoner
    • By TheLondoner 7th Oct 16, 8:22 PM
    • 55 Posts
    • 10 Thanks
    TheLondoner
    • #7
    • 7th Oct 16, 8:22 PM
    • #7
    • 7th Oct 16, 8:22 PM
    It depends entirely on how much you will be spending on the card. If you will be spending £10,000 a year then that card is not the optimum one. If at you said in your initial post you plan an spending £1,200 to £1,500 then this card is the best. You're effectively getting 5% cashback for the first £1000.
    Originally posted by JJG
    It's a tricky one because in the long run JL is better: £5 for every £500 spent in John Lewis vs. £5 for every £1000 with Amex. However as you say I'd get up to £50 worth of vouchers with Amex for my £1000 spend.

    I guess the ideal scenario would be to use card, cash in vouchers, ditch card, and get the partnership card! haha!

    Remains to be seen whether I can actually be bothered to do that!
    Last edited by TheLondoner; 07-10-2016 at 9:05 PM.
    • Biggles
    • By Biggles 7th Oct 16, 9:48 PM
    • 6,968 Posts
    • 4,409 Thanks
    Biggles
    • #8
    • 7th Oct 16, 9:48 PM
    • #8
    • 7th Oct 16, 9:48 PM
    Platinum Cashback - currently gives me 1.25% on all purchases but I had to spend £7k (I think) to reach that earning rate and they have dropped it to 1% for new customers
    Originally posted by MallyGirl
    1% for existing customers, too, from 8 Nov.
    • TheLondoner
    • By TheLondoner 7th Oct 16, 10:00 PM
    • 55 Posts
    • 10 Thanks
    TheLondoner
    • #9
    • 7th Oct 16, 10:00 PM
    • #9
    • 7th Oct 16, 10:00 PM
    1% for existing customers, too, from 8 Nov.
    Originally posted by Biggles
    It's almost becoming a joke isn't it? Almost no incentive to use credit cards these days - might just end up closing them all and sticking to debit cards!
    • PeacefulWaters
    • By PeacefulWaters 7th Oct 16, 10:04 PM
    • 5,071 Posts
    • 6,092 Thanks
    PeacefulWaters
    BA Amex card will get you a return flight from London to Europe for spending £1,000 within three months. Get one for you and one for your other half and go to Prague or Paris.

    Hilton card will get you a free hotel stay for spending £750 within three months.
    • Nasqueron
    • By Nasqueron 8th Oct 16, 11:44 AM
    • 2,979 Posts
    • 1,614 Thanks
    Nasqueron
    It's almost becoming a joke isn't it? Almost no incentive to use credit cards these days - might just end up closing them all and sticking to debit cards!
    Originally posted by TheLondoner
    Losing the S75 protection is a good reason not to, plus the interest free period, even 1% is better than nothing
    • Dan83
    • By Dan83 8th Oct 16, 2:52 PM
    • 635 Posts
    • 256 Thanks
    Dan83
    I use an Asda credit card, 1% cash back on everything bought in Asda (inc George & fuel). 0.5% cash back everywhere else.
    • Helvetica Van Buren
    • By Helvetica Van Buren 9th Oct 16, 5:48 PM
    • 209 Posts
    • 292 Thanks
    Helvetica Van Buren
    I've currently got a few things going on:

    TSB Classic account - 5% cashback on contactless transactions totaling £100 in the month
    TSB Platnum Crecit Card - 1% cashback on all credit card spends up to £500 in a month
    ASDA credit card - 1% at ASDA & 0.5% cashback as advised by others.
    • TheLondoner
    • By TheLondoner 10th Oct 16, 9:24 AM
    • 55 Posts
    • 10 Thanks
    TheLondoner
    I got fed up with waiting. Amex e-mailed me advising me that it'd take them up to 10 days to get back to me, and a further 5-7 days to get the card delivered! If only I had the foresight to plan ahead a bit more and get the card sorted out mid september! gah!

    I've got the halifax clarity and mbna everyday card - both with 0% on transactions abroad. Don't think I really need two so will probably cancel the mbna amex and replace it with a card that gives some cashback as opposed to none. This is longer term thinking though...

    Have a good week y'all!
    • MallyGirl
    • By MallyGirl 10th Oct 16, 11:29 AM
    • 1,568 Posts
    • 3,775 Thanks
    MallyGirl
    1% for existing customers, too, from 8 Nov.
    Originally posted by Biggles
    I am in my first year so I think I have up to another year of 1.25%
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