Best rewards when spending £2k per month on credit card?

shaun2113

Hi there,


I run an online business, and every month I spend between £2,000 and £3,000 on PPC advertising. I used to do this from my debit card, but as the expenditure is in the US, I incurred charges on each transaction, so I switched to a zero transaction cost credit card, which is paid off in full every month.


I realise now that I am missing out on a lot of credit card rewards.


Does anyone have any recommendations as to what credit card it might be best for me to use? Cash back would be good, but I think I'd prefer air miles as that would force me to enjoy them, rather than just saving the cashback. Which card would you recommend?


I'm sure my monthly expenditure is a drop in the ocean to some people, but if I spend £30,000 per year on my credit card, that seems like I might be able to earn some decent air miles -- does anyone know roughly how far that might get me? It all just feels too good to be true, though, so am I missing the catch somewhere?!


Thanks

[Deleted User]

If it!!!8217;s for business purposes you need a business credit card.

Not many of these offer rewards/incentives compared to a personal use card

shaun2113

That is a shame. I am a sole trader, so I don't have a business credit card. I'm not sure if that changes anything?

Potbellypig

Not sure you need a business credit card, to be honest. Have a look here anyway... https://www.moneysavingexpert.com/credit-cards/airline-credit-cards/

Marchitiello

Amex obviously have business versions of their rewards card. Amex rewards can be exchanged for most airlines miles.

Be aware however that cards with rewards may on the other hand charge you fees for forex transactions. A good option would have been the Lloyds Avios (no longer available) with a good earning rate and no forex fees.

Also, I believe you can get away with using your personal credit card if you threat these business transactions as temporary !!!8220;director!!!8217;s!!!8221; advances and claim them back from the business as expenses.

If BA/Iberia/Air Lingus are you most likely used airlines, the best option would be the BA Amex Premium, which carry!!!8217;s an annua fee but with that level of spending, would be easily justified.

The_Urbanite

I think Curve may be the choice for you - https://www.imaginecurve.com/

Jlawson118

Providing where you spend this money accepts AMEX, then I would recommend AMEX Gold, you'd earn double membership points too as they're in a foreign currency. There's a £140 yearly fee but it's often free for the first year, and if you spend so much then you'll more than likely earn more than £140 in points. But before committing, make sure the places you make the transactions accept AMEX.

I've got a referral code as well if you ever decided to go ahead with it where you'll earn a tonne of points