Top Cashback Cards Discussion Area

the-mango

I was just wondering where I would search to find a cashback card with a low income, I'm a student with a part-time job. I am very sensible with my money so would make sure I work it properly but a lot of the cards have a minimum income level which I don't reach.

lolagail

Recently retired, so now interested in saving money. I worked for John Lewis, so I get 25% discount in their stores, plus 15% in Waitrose. I have their partnership card, I earn 1 point for every £1 spent in Waitrose and JL and 1 point for every £2 spent anywhere else. 500 points equals £5. I put everything on this card and always pay it off in full. I have tried to work out if this is the best deal for me. I feel it must be, but I have no idea how to do the maths - it makes my head hurt! I cannot claim discount on any other credit card, only theirs. Newbie, so be nice.

Mr_Tea

Sorry if this has been mentioned before but a few weeks ago I got an American Express Platinum Cashback card off the back of the recommendation on MSE for their 5% introductory cashback rate for the first 3 months.
When I viewed my account online (and did some tapping on my calculator) I discovered that I am only getting 4.25% cashback instead of 5%.
Since raising this issue with them their customer service has been very poor and I have had to repeatedly press them for updates and information.
They have now informed me many of their "cardmembers" have the same issue, that it is "due to an unanticipated technical error" and that it "may take about two months for this error to get rectified". Two months to change the cashback rate from 4.25% to 5%!! I've never heard anything so ridiculous.
I do not recommend anybody getting one of these cards.

jackdaw3

For a couple of years now my partner and i have put ALL our monthly spending on an amazon credit card and every £2000 spent gives me £10 amazon gift voucher, we of course pay off in full every month so it works out as quite a nice little treat every other month to recieve a gift voucher.

coffeelover65

jackdaw3 wrote: »

For a couple of years now my partner and i have put ALL our monthly spending on an amazon credit card and every £2000 spent gives me £10 amazon gift voucher, we of course pay off in full every month so it works out as quite a nice little treat every other month to recieve a gift voucher.

I buy quite a lot off of Amazon so have been looking at this card. Is it possible to setup a direct debit to pay in full for this particular card? The website only says you'll receive an email each month asking you to pay.

Doc_N

coffeelover65 wrote: »

I buy quite a lot off of Amazon so have been looking at this card. Is it possible to setup a direct debit to pay in full for this particular card? The website only says you'll receive an email each month asking you to pay.

Yes - no problem at all doing that.

coffeelover65

Doc_N wrote: »

Yes - no problem at all doing that.

I've ordered an Amazon cashback card, bit worried about it been contactless due to the recent channel 4 news story about "skimming" so I guess I'll keep the card at home and just use it for online purchases.

Gromitt

coffeelover65 wrote: »

I've ordered an Amazon cashback card, bit worried about it been contactless due to the recent channel 4 news story about "skimming" so I guess I'll keep the card at home and just use it for online purchases.

You have several options: Buy a RFID-blocking wallet, wrap your card in tin foil or keep more than 1 contactless in your wallet (both will reply and 'corrupt' the communication).

coffeelover65

Gromitt wrote: »

You have several options: Buy a RFID-blocking wallet, wrap your card in tin foil or keep more than 1 contactless in your wallet (both will reply and 'corrupt' the communication).

I've decided to not bother with using any of those methods and just keep the card at home for online purchases. I worked out "outside" spending would be around £10/£15 a year at most, and prefer knowing there's no chance of the details getting skimmed.

Thank you everyone who replied.

Sugo

Hi All,

I've read the article an decided to go for the capital one card due to its higher acceptance in stores.

However, I've recently moved home (away from parents) and I'm not sure whether using my new address will reflect badly on my credit score.

I have a good credit rating and have had a loan before, now paid in full, but I have nothing registered at my new address, everything is sent to my family address and probably will be that way for a while - I travel back to my family home each week.

I notice on the application form, they ask for the amount of rent payed - I pay more rent at my current address, so I imagine this is beneficial for my application, as well as being able to state that I don't 'live with parents'.

Does anybody have any pointers as to which address I should use?

Thanks for your time,

Sugo