We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Best Cashback or Avios Card ?
AlisonGray
Posts: 43 Forumite
Just Looking for a bit of advice really. I have the following Cards:
Barclays Cashback Amex / Visa (1% Amex & 0.5% Visa).
NatWest Black Mastercard (1% Supermarkets and 0.5% Elsewhere).
Lloyd's Premier Amex/Mastercard (1.5 Avios per £1 Amex, 1.5 Avios per £5 Mastercard.
I have tried Various calculators etc. but I cannot work out which is better value !. I know that Lloyds and NatWest cards normally have a annual fee but these are waived for me.
Just wondered if anyone who knew these cards could say which represented the best in value for a average user (About £2k - £3k month spend, always cleared in full).
Of the 3 Lloyd's is the Oldest and the Highest Limit.
Barclays Cashback Amex / Visa (1% Amex & 0.5% Visa).
NatWest Black Mastercard (1% Supermarkets and 0.5% Elsewhere).
Lloyd's Premier Amex/Mastercard (1.5 Avios per £1 Amex, 1.5 Avios per £5 Mastercard.
I have tried Various calculators etc. but I cannot work out which is better value !. I know that Lloyds and NatWest cards normally have a annual fee but these are waived for me.
Just wondered if anyone who knew these cards could say which represented the best in value for a average user (About £2k - £3k month spend, always cleared in full).
Of the 3 Lloyd's is the Oldest and the Highest Limit.
0
Comments
-
I'd be looking at spending £10k on the BA AMEX Premium Plus card. £150 annual fee but the Avios redemption companion voucher could have real value.
http://www.headforpoints.com/best-uk-avios-airline-hotel-credit-cards/0 -
2-3k per month is above a average spending. If you were a frequent flyer and makes use of avios points, got for the avios points collection. As Peaceful said there are better cards out there with better avios points collection perks (bonuses, extras) if you really spend that much per year.
Save 12K in 2020 # 38 £0/£20,0000 -
Another possible way to earn additional Avios points (if you shop at Tesco frequently) could be to convert your Clubcard points into them.
£2.50 worth of vouchers converts to 600 Avios; so could potentially boost your rewards further?It's not your credit score that counts, it's your credit history. Any replies are my own personal opinion and not a representation of my employer.0 -
Why not? https://secure.tesco.com/clubcard/boost/avios/UK-000236.prd says it is....£2.50 for 600 Avios points? That can't be right!?!0 -
Hi, To be honest I dont fly, although that may change in the future, and the other things you can use avios for such as holidays in the UK is probably the best I could go for (Every 10,000 Avios gives you £50 off a holiday).
I dont really want to open up more Credit Cards, so that narrows it to Either the Barclays or NatWest Cashback cards, so if we exclude Avios cards, which of those 2 cards would I be better using ?.
Unless still using the Lloyds card would still be better value in the long run from the cashback cards ?.
Thanks0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.2K Spending & Discounts
- 247K Work, Benefits & Business
- 603.6K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards