Better cashback from Halifax or NatWest?

Legacy_user

I have both the Halifax and NatWest reward accounts for different reasons (£5 a month and 3% direct debit cashback), both have different cashback offers and I can't decide which is better

I haven't been in the Halifax long but they give me 10% cashback offers when i use my debit card but only on the places I don't usually shop, but I tend to buy little and often and don't like driving out of my way or paying for parking for a supermarket that doesn't sell the long life bread that tescos does and is 10-15 minutes away

NatWest on the other hand will give 1%, but at least its on the places I actually shop

Has anyone experienced Halifax giving cashback for the places they usually shop? Esp tescos?

Btw because I only usually buy tesco value food and no meat I find it cheaper than the 'discounters', and I wouldn't trust myself with a credit card

cheesetoast

The whole point of the Halifax offers are to entice you to shop in places you don't normally.

For example, Waitrose might offer 10% off to people who usually spend in Asda, or Just Eat might target Hungry House customers.

System

I was just thinking for every transaction
£1 on Halifax just to get offers
Rest on NatWest for the 1% cashback

PeacefulWaters

Retain both accounts and use whichever card gives you the best benefit for a specific transaction.

System

Peaceful- the difference is the Halifax don't give you direct cashback on that particular transaction but the offer of super cashback on another one in the future

I've read that they can withdraw it if its abused, I suppose using the Halifax card for £1 of every transaction just to get offers would be seen that way, not sure what the minimum spend is that wouldn't raise that suspicion

System

I get offers for Waitrose fairly regularly but shop there.

I'm all for saving money but you need to live a little too - Sainsburys Basics and Waitrose essentials are much better quality than Tesco Value.

cheesetoast wrote: »

The whole point of the Halifax offers are to entice you to shop in places you don't normally.

System

Reading further into it both schemes only work for certain partners

Thinking about it, delivery could be a way to avoid going out of our way

I've always had quite a numb taste pallet and don't notice the difference a lot in what I do eat, though I do like the more expensive yoghurts as a treat sometimes (despite liking the value ones)

System

PeacefulWaters

MatthewAinsworth wrote: »

Peaceful- the difference is the Halifax don't give you direct cashback on that particular transaction but the offer of super cashback on another one in the future

I've read that they can withdraw it if its abused, I suppose using the Halifax card for £1 of every transaction just to get offers would be seen that way, not sure what the minimum spend is that wouldn't raise that suspicion

I think you've rather misinterpreted what I meant.

System

I just mean you're having to gamble a small guaranteed cashback for a super one next time that may or may not be somewhere you're going to buy from

Its hard to calulculate which is best overall because its not a direct comparison and depends on the odds of being offered a supermarket over say Robert dyas or body shop, and whether your shops are big enough to travel to / have delivery from these supermarkets to make it worth it

Paul_1977

Halifax: The people that give you nothing.