Top Cashback Cards Discussion Area

gunjin

As I dont own a car and do travel overseas I am leaning towards an MBNA airmiles card. I have never had an MBNA card. Are they any good? Customer service OK? Credit limits reasonable?
The no fee, Visa-based Virgin Atlantic card offers a 10k Virgin airmiles bonus (which would cost you around £140 to buy directly - not that anyone would!) for spending £1k in 90 days and thereafter is 1 mile per £2 spend on everything. Possibly worth it for the 10k bonus.
NB I already have an Amex. I am looking for a supplementary Visa/MC card to replace my Cap 1 card.

Be_Happy

gunjin wrote: »

I read somewhere that the Asda card had low credit limits. Is this the case?

Not sure what the limits go up to, but I was given £4000 immediately on taking out card.

Only problem I've found so far is trying to get through on Customer Service phone line, but they do respond to e-mail quickly.

gunjin

Thanks Be Happy.

gunjin

Warning on the Asda cashback card, the starting credit limit is laughable (£300)...

eagle

Out of curiosity what do all MSErs here think is best?

The 'new' Amex Cashback Credit Cards (even the one with the fee) or the old style tierd Platinum Cashback Card which pays 'up to' 1.5%?

I'm probably spending around £10K every year plus, so it could be better to switch to the new one.

Nonetheless I'm aslo thinking of going on to a Gold Charge Card for the travel and points benefits which could equally be good for me.

Thoughts?

derelyth

river_bank wrote: »

I was looking at the Shell card, earlier today, I use Shell 80% of the time, so would be great for me, and was thinking of applying.

What Shell card is that? As far as I know She'll haven't offered a credit card in the UK for quite a few years?

guesswho2000

derelyth wrote: »

What Shell card is that? As far as I know She'll haven't offered a credit card in the UK for quite a few years?

Their location says Alabama, and Shell still offer a card in the U.S., which is entirely irrelevant on a UK forum!

You're quite right though, no UK card for some years now, used to be issued by Citibank iirc, who offer no cards in the UK market now.

Be_Happy

gunjin wrote: »

Warning on the Asda cashback card, the starting credit limit is laughable (£300)...

Obviously depends on your credit rating. My starting credit limit was £4000 and I'm certainly not a high earner.

disney_cjd

As CapitalOne have canned my 1% cashback card form June 1 I am looking around. The Barclays offer for their existing customers of the dual card Amex/Visa deal seems best but does anyone know when this is going to be opened for everyone?

Thanks

gunjin

Be_Happy wrote: »

Obviously depends on your credit rating. My starting credit limit was £4000 and I'm certainly not a high earner.

Credit rating and history is clean and all the right boxes ticked in the application to suggest a large credit limit. Maybe they disincentivise clean credit history applicants with low limits?