Best Cashback/ Points Card?

doleawg

Been with Tesco for years but they just treated me like crap so moving cards. Been reading everything here and am confused as to best options. Spend on average £4k per month on a card but pay off in full every month.

Wants
Cash or points (have a nectar account)

Dont Want
Amex
Air Miles

eskbanker

https://www.moneysavingexpert.com/credit-cards/cashback-credit-cards/ summarises the best options for cashback and also includes links to the other articles about Nectar, etc....

doleawg

eskbanker wrote: »

https://www.moneysavingexpert.com/credit-cards/cashback-credit-cards/ summarises the best options for cashback and also includes links to the other articles about Nectar, etc....

Thanks I had read all that but it separates cash and points, I'm interested in others experiences of (Amex aside) which delivers the most return. Cheers

stevenhp1987

Why not an Amex? They will undoubtedly give you the highest rate of return.

Perhaps an Amex as a main card alongside a cashback/miles earning Visa/Mastercard for the minority of places that don't take it?

doleawg

stevenhp1987 wrote: »

Why not an Amex? They will undoubtedly give you the highest rate of return.

Perhaps an Amex as a main card alongside a cashback/miles earning Visa/Mastercard for the minority of places that don't take it?

Its a PITA budgeting and managing spending with Amex as it is surprising how many places don't accept them, however one gripe was pay pal which does now accept them?

Lets see what others say. I may be tempted! Tescos really pee'd me off, hide a new change in terms, billed me £55 and said they didn't care about my long term history so simple thing to do is move.

msallen

doleawg wrote: »

Its a PITA budgeting and managing spending with Amex as it is surprising how many places don't accept them

Really? What do you spend on. I can't remember the last place I was unable to use an Amex.

[Deleted User]

An AMEX Nectar card then?

doleawg

msallen wrote: »

Really? What do you spend on. I can't remember the last place I was unable to use an Amex.

I have a work Amex and its quite regular in smaller places that they don't accept. 3 places in Glasgow 2 weeks ago. Its quite annoying at times but my annoyance with Tesco is such that I may suffer to prove a point.

doleawg

msallen wrote: »

Really? What do you spend on. I can't remember the last place I was unable to use an Amex.

Moved now from Tesco to Amex cashback. It is an issue how many retailers don't accept Amex and some large ones too. B&Q, Dunelm are 2 in the last week, still will persevere but will monitor this site for new Mastercard or Visa offers.

PixelPound

Well a lot more take it now than did several years ago. B&Q don't take contactless payments, or apple pay or google pay, so saying they don't take Amex is no real surprise.

terafarma

doleawg wrote: »

Moved now from Tesco to Amex cashback. It is an issue how many retailers don't accept Amex and some large ones too. B&Q, Dunelm are 2 in the last week, still will persevere but will monitor this site for new Mastercard or Visa offers.

Why not give Tandem Mastercard Cashback credit card a try? It gives 0.5% cashback on all purchases both home and abroad. No venture, no gain as the saying goes.