Which of these three credit cards will give me the most cash back?

david999999

My wife and I have at present 3 credit cards that we use between us.
My wife uses a Tesco credit card for our shopping, spending about £500 a month, mostly in Tesco, giving her points
I have a Nationwide select credit card that I use for petrol and paying for holidays. Without holidays I spend usually £50 - £100 a month. I did have a holiday booked of £3500 but I got a refund and my cash back was clawed back.
Then I have an Amazon credit card with an average spend a month of £100 which gives me Amazon points but that will probably reduce as we finish buying things for our house.
If we combined all our spending to one credit card which would give us the most cashback/points?
As far as I can tell there does not seem to be much difference in the cashback/points. 
I would of course keep the other 2 credit cards in case of emergency or going over the credit limit of the one card we decide to use.  

PRAISETHESUN

I think last time I ran the maths on this a Tesco CC can be considered a 0.25% cashback on Tesco spending (1p/£4 spent, up to 0.75% if you opt to redeem for select club card rewards) and 0.125% elsewhere (1p/£8 spent, up to 0.375% if you opt to redeem for select club card rewards). This ignores the usual 1p/£1 spend you already get from using your club card as you get this no matter which payment card you use. Amazon points are effective 0.75% on Amazon spending (0.75p/£1 spent) or 0.25% elsewhere. Not sure about the value of your other card, but it's likely to be in the same ballpark. I leave it to you to decide what works best for you, but it's all pretty meager. 

Sandtree

You need to think more about what you buy from who as certain cards have promotional rates with certain companies or categories of companies.

Also need to consider what you prefer to get back... if you holiday a lot and always fly BA without fail then it may be worth considering a BA card... if you would never fly BA if you life depended on it then clearly not the card for you. I personally cannot get too excited about 0.5% cashback but do like the ability to book higher grade flights and only pay the taxes/fuel surcharge... it becomes difficult to compare how much "its worth" though because I would never have paid £10,000 for a first class airline ticket which I got for £5 using credit card airmiles but it was worth more than the c£700 for an economy flight that we'd otherwise have bought.

david999999

Sandtree said:

You need to think more about what you buy from who as certain cards have promotional rates with certain companies or categories of companies.

Also need to consider what you prefer to get back... if you holiday a lot and always fly BA without fail then it may be worth considering a BA card... if you would never fly BA if you life depended on it then clearly not the card for you. I personally cannot get too excited about 0.5% cashback but do like the ability to book higher grade flights and only pay the taxes/fuel surcharge... it becomes difficult to compare how much "its worth" though because I would never have paid £10,000 for a first class airline ticket which I got for £5 using credit card airmiles but it was worth more than the c£700 for an economy flight that we'd otherwise have bought.

I want to compare the three cards I have, not to get another credit card.

dr_adidas01

david999999 said:

Sandtree said:

You need to think more about what you buy from who as certain cards have promotional rates with certain companies or categories of companies.

Also need to consider what you prefer to get back... if you holiday a lot and always fly BA without fail then it may be worth considering a BA card... if you would never fly BA if you life depended on it then clearly not the card for you. I personally cannot get too excited about 0.5% cashback but do like the ability to book higher grade flights and only pay the taxes/fuel surcharge... it becomes difficult to compare how much "its worth" though because I would never have paid £10,000 for a first class airline ticket which I got for £5 using credit card airmiles but it was worth more than the c£700 for an economy flight that we'd otherwise have bought.

I want to compare the three cards I have, not to get another credit card.

Then why are you not comparing them yourself and seeing which is better for you and making a decision? What you consider the best cash back card others may think is a poor offering. 

Sandtree

david999999 said:
I want to compare the three cards I have, not to get another credit card.

That makes life easier... still need to do the same thing I suggested but only consider the 3 cards...  Clubcard points can be worth triple value with certain "partners" but only you know if you already use any of these companies to see if the uplift is applicable to you or not.

D3xt3r5L4b

Use a cashback calculator to check for yourself 

https://www.which.co.uk/money/credit-cards-and-loans/credit-card-calculators/cashback-reward-calculator-a9fzl3u1lbuu

Grumpy_chap

Amex card tends to offer the highest cashback, but not always widely accepted.