Best Credit Card for rewards

Xeorix

I'm after a credit card/bank account that I will be using to put my expenses on.

It doesn't really matter too much about the card as any late payment costs will be reimbursed, however I'd like something that has a linked bank account as thats where the expenses will be going to.

I was really thinking it'd probably be beneficial for me to get a card which offers the best rewards since it will always be paid off.

Can anyone recomend me any CC's that have a linked bank account with good rewards?

Note: By linked, I mean like Natwest Current Account has my Natwest Credit Card linked to it.

[Deleted User]

You can set up a DD from whichever account the expenses are going into, to pay off the card each month, so that shouldn't be a concern.

Bit concerned about your view on late payments though - even if your employer reimburses you, your credit file will still be impacted.

As far as rewards go, you need to establish what you value - eg cashback is good if you like cash, something like Tesco's can be better value if you shop in Tescos, Airmiles if you travel, Nectar points are good if you like cheap tat from Argos, and so on.

Gromitt

Read the T&Cs before you sign up. For example, if you got an Aqua card for the 3% cashback and made a late payment, you would get a £12 fee, trashed credit record, and forfeit all cashback earned.

So you can't really afford to just get the late payment fees reimbursed.

Xeorix

Deleted_User wrote: »

You can set up a DD from whichever account the expenses are going into, to pay off the card each month, so that shouldn't be a concern.

Bit concerned about your view on late payments though - even if your employer reimburses you, your credit file will still be impacted.

As far as rewards go, you need to establish what you value - eg cashback is good if you like cash, something like Tesco's can be better value if you shop in Tescos, Airmiles if you travel, Nectar points are good if you like cheap tat from Argos, and so on.

Well the view on late payments, yes it will affect me but its will affect me regardless. So far its only affected me once as I'm using expenses on my one credit card and debit account. If I'm using one account soley for expenses then I wont have my personal outgoing to deal with. Wasn't so much a "I dont care about me not paying on time" attitude, as I always pay my personal CC off in full.

I don't buy food shopping so Tesco isn't really that big of a deal, so same applies to Argos.

My travel mainly includes a lot of filling up with fuel and stays in random hotels (not many chain hotels)
Sounding like maybe a cash back card would be best here? It'll have about £1500 a month on it

lisyloo

yes it will affect me but its will affect me regardless

Well not if you somehow get the payments covered.
Two obvious choices spring to mind.
1) Your own savings
2) A 0% cash advance from your employer.
I have the latter as I'm not prepared to bank roll my employer.

as I always pay my personal CC off in full.

From other lenders point of view, your expenses card IS a personal CC and any late payments will affect their view of YOUR ability to get credit.
If your not happy with this ask for a company card or a cash advance.

Your other alternative to cashback is to get a card withe the longest interest free period.