MBNA Cash Back Credit Card

nqsenile

I had an A&L cash back card which was transfered to MBNA in October 2010. I 've just received an annual summary & saw no "Cash back". Wanting to find T&Cs I looked on MBNA web site but could not find a cash back card. I phoned & was told that cash back is not paid until the cash back sum is £10 or more in a year. So with a cash back rate of 0.5% you'll need to spend at least £2,000 to get any cash back. Not a "Best Buy". If you have less than £10 in the cash back fund there's no carry forward to the next year.
Do any other cards have minimum spend? And if so how much?

molerat

£166 per month is hardly a big spend (possibly £200 as they round the cashback down to the whole pound on each transaction)

Gromitt

AA (MBNA) doesn't seem to have a minimum spend and does count fractional expenditure by the looks of it (my last statement said "507.4 points earned").

The only downsides is that if you request cash you only get 50% of what you earned (100% for highstreet vouchers), and if your not an AA member, you lose another 50% on collecting points (1 point every £2 - so 0.5%).