Co-op cashback credit cards

Stuart_W

Now that everyone else has so drastically cut or ended their cash back credit cards, the two that have been available from the Co-op for years look fairly favourable for new non-Amex credit cards.
The smile credit card has always offered 0.25% cash back, never great in smile's hay-day 20 years ago but now not bad, with the added faff-free element of cash back being paid monthly off the next month's bill. No threshold to reach or anniversary pay date to wait for.
The Co-op members' card offers 0.5% on Co-op spend but a respectable 0.3% on all other spending. This is paid out twice yearly via Co-op members' divi payout - but you can set this to be a cash payment into any nominated bank account.
I suppose the only thing that prevents these two cards getting mentioned in the recommended guide is that these days to apply for either card you need a co-op or smile current account, but as many folk on here have one for the £5 monthly rewards these cards might be worth considering for some.
I seem to shop mainly in places that don't like Amex so have few better choices.

Malkytheheed

The UK offerings are so dire now that I've taken to using mostly foreign-transaction-free American rewards cards I have now, even at home in the UK and with an annual fee I come out significantly on top. It's just ridiculous. You need a US bank account to do this but that's easy to open in person in the US, even as a non resident. 

Interchange fee cap was one of the worst things to ever hit the consumer. Penalises those who look after their finnances and are finnancially responsible. 

ratechaser

Malkytheheed said:

The UK offerings are so dire now that I've taken to using mostly foreign-transaction-free American rewards cards I have now, even at home in the UK and with an annual fee I come out significantly on top. It's just ridiculous. You need a US bank account to do this but that's easy to open in person in the US, even as a non resident. 

Interchange fee cap was one of the worst things to ever hit the consumer. Penalises those who look after their finnances and are finnancially responsible. 

Once again, I lament the loss of the 2% CapitalOne MC. Even with its £120 fee, those were the days...

Leaving aside Amex (where you can still get a respectable 1.25%), my favourite remains the John Lewis MC - even with the recent cut, it's still giving out 0.25% across the board and 1.25% in Waitrose/JL, so at least matching Amex there. But the real bonus, when we start travelling again, is the cashback being applied to their bureau de change too...

Plus have to keep Nationwide for the fee free overseas spending, think they are still at 0.25% but not used it for a while (funny that...)

Interchange rules suck, although at least there are no more added costs for CC payments on personal cards - the cynic will say it's just been baked in to the price now, but getting hit for £200+ on an already expensive holiday used to irritate me. Psychology eh...

D3xt3r5L4b

The Amazon Platinum Card is good for Prime members.

0.25% spending elsewhere but 1.50% on Amazon spending.