Asking for cashback in supermarket on credit card

Pinklady_3

I have recently got an AMEX cash back credit card and know not to withdraw cash on it as I will pay interest even if the card is repaid in full. But my question is, if I say yes to cashback at for instance the supermarket when I do my weekly shop will this be classed as a cash withdrawal or as qualifying spend which I can earn cashback on?
Thanks in advance for anyone that can help.

Amy83

Things might have changed, but when I tried to get cashback from my credit card in a shop ( in my young and more foolish days) I was told you couldn't do it.

latecomer

As Amy83 said I believe you can only get cashback from switch/maestro type cards (possibly visa debits?)

normanmark

You can only get cashback on debit cards.

YorkshireBoy

normanmark wrote: »

You can only get cashback on debit cards.

...and on credit cards from the occasional small shopkeeper and pub landlord willing to break the rules of their merchant agreement.

NickX

YorkshireBoy wrote: »

...and on credit cards from the occasional small shopkeeper and pub landlord willing to break the rules of their merchant agreement.

Yep once of my local pubs gives me £50 cashback on my slow stooze card most weekends

LongTermLurker

NickX wrote: »

Yep once of my local pubs gives me £50 cashback on my slow stooze card most weekends

Ah that's how you put beer on it - I thought you ran up a tab every night or handed your card over for each pint

My local pubs would look at you daft if you asked to by a pint on a card

I was once offered cashback in ASDA and had to tell them they couldn't do that!

NickX

LongTermLurker wrote: »

Ah that's how you put beer on it - I thought you ran up a tab every night or handed your card over for each pint

My local pubs would look at you daft if you asked to by a pint on a card

LOL well yes it is quite good fun this stoozing beer funds. You just have to remember that it is a stooze pot and not a booze pot.

If its a larger round (say £10 or more) then I always pay by card. Fortunately my closest pub is also a restaurant so they are geared up to card payments.

However, if I came in alone and tried to put a single pint on the card then they probably would look at me a little strange.

LongTermLurker

NickX wrote: »

However, if I came in alone and tried to put a single pint on the card then they probably would look at me a little strange.

Indeed, it might even be reputation-generating

bunking_off

Perhaps I can bump this up the board?

I was in Morrisons yesterday and noticed that on the shelf under the PIN entry machines they had an advert saying they offered free cashback on a series of credit cards, including AMEX. Need to go & take a second look, because obviously your time to read the detail is a bit limited while paying at the tills with a queue behind.

Does anyone know if these go through as a single "groceries" transaction, or as two transactions (e.g. £10 for groceries, £50 cash)? If it is a single transaction, I'd be quids in as (from memory) I'm on 1.5% cashback from Amex...might as well get all my cash from there rather than the hole in the wall. At the extreme, it'd make sense to take the money out and go and pay it directly into the bank.

Too good to be true? Anyone know? Otherwise I'll have to go & ask at Morrisons (although I fear I'd get a blank look back).

nomoneytoday

bunking_off wrote: »

Perhaps I can bump this up the board?

I was in Morrisons yesterday and noticed that on the shelf under the PIN entry machines they had an advert saying they offered free cashback on a series of credit cards, including AMEX. Need to go & take a second look, because obviously your time to read the detail is a bit limited while paying at the tills with a queue behind.

Does anyone know if these go through as a single "groceries" transaction, or as two transactions (e.g. £10 for groceries, £50 cash)? If it is a single transaction, I'd be quids in as (from memory) I'm on 1.5% cashback from Amex...might as well get all my cash from there rather than the hole in the wall. At the extreme, it'd make sense to take the money out and go and pay it directly into the bank.

I reckon they would come off as cash withdrawals, and you would pay eleventy million % APR when it hits the bank, as the supermarket has to pay more the more you spend on a credit card, whereas a debit card has a flat rate fee...