Top Cashback Cards Discussion Area

dazza.mk

Diggle123 wrote: »

Re Santander 123
It's amazing that they don't offer any cashback for on-line traders (Amazon, Play, 7DayShop, Argos, MAplin, PCWorld, Currys) Almost wish I'd stayed with my old Egg (now Barclaycard), at least that offered 1% on EVERYThing that you brought with it.
Maybe their TV add should be modified to include ("but we only actually offer cashbach though a minimal number of outlets)

1% Supermarkets
2% Department Stores
3% Petrol Stations.

I think its pretty clear Amazon etal don't fit into any classification.

Mikeeuropa

Hi,
Any advice please, this is such a long thread!

I have a bill to pay that is about £3000 and I'm trying to work out the best cash-back I could get. The payment could be split over several payments and therefore also over more than 1 card.

It seems to me that the obvious option would be to go for the Capital One card and clear £2000 on there to get the 5%/£100 cashback but not sure where the last £1000 should go. Amex isn't accepted unfortunately and the bill isn't for Fuel, Dept store or Supermarket.

Are there any other introductory rate cards available at the moment?

Richo122

Hi,

Similar to the above poster I too am interested in a card with a good introductory interest rate for a large purchase.

My question is more towards the use and payment of the cashback with the Capital One card after the purchases. If I was to spend say £2000 in the first 3 months and then not use the card again (pay it off and leave with a zero balance), would I still get the £100 or could I be stung for not continuing to use the card?

Would I also have to wait the full year for payment in January or at a long shot could I close the account and be paid what was already accrued?

I use and am happy with a different rewards card for everyday use.

Thanks!

currs

If I have read this correctly then it has got to be the longest interest free period currently, although the the transfer fee is 3.2%. As a new user I am not able to post the address. However go to the Barclaycard .co.uk site and add this to the end of the URL:-

/personal/credit-cards/2-year

Am I missing something or is this the current longest interest free period?

Fruit_and_Nut_Case

currs wrote: »

If I have read this correctly then it has got to be the longest interest free period currently, although the the transfer fee is 3.2%. As a new user I am not able to post the address. However go to the Barclaycard .co.uk site and add this to the end of the URL:-

/personal/credit-cards/2-year

Am I missing something or is this the current longest interest free period?

Here you go...
http://www.barclaycard.co.uk/personal/credit-cards/2-year

I can't see anything about Cashback, though.

murphydavid

I have a cashback card and every now and then check here to see if there is anything better.
I'm a little puzzled that in a quick read through the article I did not find the Capital One and Barclaycard (recently Egg) cashback cards because for me they seem to provide a better alternative with 1% cash back and for me a somewhat cleaner set of rules and I would like to have seen a professional comparison made. The time spent picking through the cards rules and customer service can also be an important factor. Maybe I did not look hard enough.
In passing: a comment on one that is there. At the moment the word Santander makes me cringe.
I have about 10 Santanter savings accounts with £1.00 in each of them having followed best interest rate bonuses, now expired, and then had a time consuming job trying to close them. In the end I gave up leaving a dormant £10 pound or so as cheapest way out. So I would never take out a fee paying account with them, which their 123 credit card is, because I have no doubt the benefits will soon decrease and knowing what they are like I don't want the difficulties I predict will be involved in getting away from the fee. Before I would open I would need to know how they react to a request to close the account? If its anything near what they do with savings then no way.

Anyway am I missing something? Is there a review of the two I mention above? If not how about including them. Not a complaint as I love the work you do.

Thanks

Oh and if anyone knows of an easy way to close a Santander savings account then be sure to let me know. No I don't want to spend 10 minutes on a call centre phone to put on an appointment to visit a branch and discus why I want to close an account that has no interest and only had a pound in it for the last year or so.

lisyloo

because for me they seem to provide a better alternative with 1% cash back and for me a somewhat cleaner set of rules and I would like to have seen a professional comparison made

Are you sure these cards are currently available?

I could be wrong but I think you are talking about old deals.
BTW - Barclaycard customer service is dire.

Stuart_W

Mikeeuropa wrote: »

Are there any other introductory rate cards available at the moment?

The Co-op Members' Credit Card offers a clean 0.5% cashback (or 1% in Co-op Group foodstores) and has 6 months interest free introductory rate at the moment for purchases and balance transfers.

You need to be a member of the Co-op, but you can join online just before signing up for the card.

This card was previously mentioned in the MSE article, but seems to have dropped off at the last update. You get paid a cash dividend from the Co-op in June and November direct into your bank account.

premierfella

murphydavid wrote: »

...Oh and if anyone knows of an easy way to close a Santander savings account then be sure to let me know..

Apologies for this being off-topic!
I too have a few dormant accounts with them (mainly ex-regular savings accounts) and an active current account. I don't know whether it was a problem with the old online system but on the current online system I have been able to clear all the dormant balances to zero rather than £1 via transfers online.

ianfabris

Every week I see Capital One's World Masterclass listed at the top of the cashback card list because of the high returns and no fee ... I would like to object to that last point. It may be advertised as no fee, but as Martin has pointed out on a few occasions ... that don't actually have to offer you that even if they advertised it.

I joined Cap One a couple of years ago, thinking I was getting it fee free, but found after I signed up that there was an £18 fee being charged. I tolerated it for a couple years but decided to complain this renewal time, only to be told .... "thats for new card holders, and not what you signed up to".

I am no longer a Cap One customer ... but if you do sign up with them ... CHECK THE SMALL PRINT