Cash back credit card

dickyseville · 15 March 2013 at 9:28AM

Hi all, in the next couple of weeks I finish a 2 year deal on Ford Options for a car. I need to pay approx £5800 for the current car. I have the cash to pay for it however I thought I may as well try to take advantage of a cash back credit card. I've already got a Barclaycard and have had a AMEX card with cash back. Can anyone please suggest if there's anything out there to maximise cash back that I can pay with.

Many thanks,
Richard.

[Deleted User] · 15 March 2013 at 9:35AM

First things first - will they charge you a fee for paying with a credit card?

dickyseville · 15 March 2013 at 10:30AM

They charge 1.44% for credit card transactions. They do not accept AMEX cards.

lawstudent · 15 March 2013 at 10:57AM

You won't get a limit anywhere near big enough on the Aqua card so I think your best bet is to go for the Barclaycard Cashback and make 14 other purchases in that month. If you're on the standard 2% you will make £32.48 after the credit card surcharge, If you're on the higher introductory rate its more complicated but you will make at least £120 but probably a lot more.

JakeGreen · 15 March 2013 at 11:50AM

Capital One Aspire cards offer 5% cashback for the first 3 months. You need a clean credit history to get one, Aspire World should give you at least a 5k limit, up to a max of 10k. Aspire Elite comes with a £120 annual fee, but has an automatic 12k limit.