Best Cashback account (physical retailers not online)

WillowK

I'm in the process of reviewing all of our bank accounts - currently we are with Barclays for salary deposit and day to day spending and First Direct for household bills and direct debits.

I'm going to switch to Santander 123 Lite for our household bills as we have a mortgage with them and looking at our other outgoings I think we can get around £15 a month cashback.

For our day to day spending I want an account that offers decent cashback on retail purchases rather than online as well as travel / breakdown / phone insurance.

I have this through Barclays but it is getting ridiculously expensive plus the Blue Rewards for cashback are rubbish as while I get the monthly reward all of the purchase offers are online only and not as good as Top Cash Back.

I'm contemplating sticking with FD for the day to day spending but I'm not sure how good the Visa Rewards are in terms of physical retailers.

So can I get your recommendations for the best cashback accounts?

born_again

TBH. Santander have a similar thing on their accounts. You get offers at selected retailers. Also look at their All in One credit card which gives 0.5% cashback on all your purchases for a £3 month fee, so will depend on your spending.
I would not expect to get much via Visa rewards.

[Deleted User]

Visa rewards are hit and miss.

If you want consistency you’re better off going for Credit Card that offers cashback

Zero_Sum

Co-op gives you 5p per transaction plus £4 which is good for small bits & bobs
For larger purchases id be looking at a cashback credit card.

WillowK

Thank you everyone.

I'll have a look a credit cards - although that co-op reward looks ok - it's our local corner shop so we spend quite a bit there.

I've also been looking at the Club Lloyd's for the cinema tickets and my mother in law already has a Lloyds account so I can get the referral bonus

cloud_dog

Register your credit card on a QuidCo account for varying reward percentages in store.

colsten

WillowK wrote: »

my mother in law already has a Lloyds account so I can get the referral bonus

Please tell us more about the Lloyds referral bonus. You don't mean TSB, perhaps?

18cc

i recommend tandem credit card it gives you 0.5% cashback on everything

PRAISETHESUN

I'd recommend a cashback CC of some sort:
https://www.moneysavingexpert.com/credit-cards/best-credit-card-rewards/