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Cashback card vs 0% 12 month Purchase Card?

humfer
humfer Posts: 1,779 Forumite
Considering going for one of the latest cashback cards as recommended in Martin's recent article for my wife. She only spends about £300 a month on the card, but it is mainly on petrol. Just wondering if going for, say the GE Money card paying 3% cashback would be better than merely spending on a Sainsburys card 0% for 12 months and putting the spare cash that would have been paying of the balance each month into a savings account. Anyone have any recommendations?

Comments

  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    'Profit'...
    Sainsbury's - £57
    GE Money - £108


    Assumptions:

    Sainsbury's...
    Stooz pot interest rate is 4.75%
    Basic rate tax-payer
    Min payments made from stooz pot

    GE Money...
    All the £300/month is spent on food/petrol
  • humfer
    humfer Posts: 1,779 Forumite
    'Profit'...
    Sainsbury's - £57
    GE Money - £108


    Assumptions:

    Sainsbury's...
    Stooz pot interest rate is 4.75%
    Basic rate tax-payer
    Min payments made from stooz pot

    GE Money...
    All the £300/month is spent on food/petrol

    God thats quite a difference, GE Money card it is then...
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