Credit card with good online interface

the_philosopher

Asking for recommendations with a difference...

I'm not interested in credit cards with good perks, interest rates, balance transfers etc...

All I want is to find a credit card with an easy online login procedure (preferably no OTP sent by text message as the mobile signal is very poor in my house...), and capability to download statements in a form that's readable by my personal accounting software, i.e. CSV or (better) QIF.

I pay off everything on my card every month by direct debit, and mainly use a credit card as a way of putting transactions all in one 'bucket' which I pay off all together, so as to make my main bank account statement simpler, and of course to help build a positive credit score.

This sort of recommendation is hard to find with just a Google search, so does anyone happen to know?

Thanks in advance.

NoodleDoodleMan

We've had Amex card for a few years - very happy with online experience and excellent customer services.

MattMattMattUK

Nearly every financial service has, or is switching over to 2FA and/or biometric login, at best you might be able to avoid it for another year at most.

steffangl

Barclaycard let you export as CSV, OFX, QIF and OFC.  And either a PDF of the transaction list, or a full PDF of what the printed paper statement would look like.

When you log in you can use the 3 digits from the back of the card instead of SMS (at least after you've logged on from that PC before and don't run an ad-blocker or cookie blocker to prevent them remembering your PC).  This may change as Matt says as security increases.  Wifi calling if your phone / network support it may help with being able to receive texts at home.

The Barclaycard Rewards card also gives 0.25% cashback on purchases and no transaction fees for foreign currency purchases, so might be worth a look.

the_philosopher

Thanks for these. I don't mind 2-factor authentication if it's something sensible like an authentication app, an email or a yubikey, but text messages are a pain! I've long been intrigued by Amex, but there are so many places that don't accept them... Do you need a Barclays current account to have a Barclaycard?

dr_adidas01

the_philosopher said:

Thanks for these. I don't mind 2-factor authentication if it's something sensible like an authentication app, an email or a yubikey, but text messages are a pain! I've long been intrigued by Amex, but there are so many places that don't accept them... Do you need a Barclays current account to have a Barclaycard?

Lots of places accept Amex, the list of places that don’t is getting smaller. 

Nope you don’t have to have a Barclays Bank account to have a Barclaycard. 

blue.peter

Nationwide offers a choice of second-factor authentication. You can either (a) get an OTP by text message or (b) use your card and a cardreader to generate an access code. Transactions can be downloaded in CSV or OFX format.

The Nationwide credit card (Visa) is only offered to members of Nationwide, which means that you'd have to have one of:

• a current account;
  
• mortgage; or
• savings account

with them. Now, I don't know whether you already qualify, or would be willing to do so by opening one of those. FWIW, I have one of their current accounts, and am happy with it.

Is that acceptable?

SiliconChip

blue.peter said:

Nationwide offers a choice of second-factor authentication. You can either (a) get an OTP by text message or (b) use your card and a cardreader to generate an access code. Transactions can be downloaded in CSV or OFX format.

The Nationwide credit card (Visa) is only offered to members of Nationwide, which means that you'd have to have one of:

• a current account;
  
• mortgage; or
• savings account

with them. Now, I don't know whether you already qualify, or would be willing to do so by opening one of those. FWIW, I have one of their current accounts, and am happy with it.

Is that acceptable?

I've had a Nationwide credit card since 2003 and I'll be keeping it because of that, but I couldn't recommend it to anyone as an only card. While the online interface isn't bad, and the app allows access by fingerprint if the OP has a suitable smartphone, ruling out the OTP option means enforced use of the cardreader for website access, which is a faff compared to other security methods. Of my other credit cards I'd probably rate the Amazon Mastercard as the best to access without OTP, with the added advantage of earning points to receive amazon vouchers.

Alex9384

Amex and Barclaycard. I've got both.

Amex has the simplest log in process ever.

blue.peter

SiliconChip said:

I've had a Nationwide credit card since 2003 and I'll be keeping it because of that, but I couldn't recommend it to anyone as an only card. While the online interface isn't bad, and the app allows access by fingerprint if the OP has a suitable smartphone, ruling out the OTP option means enforced use of the cardreader for website access, which is a faff compared to other security methods. Of my other credit cards I'd probably rate the Amazon Mastercard as the best to access without OTP, with the added advantage of earning points to receive amazon vouchers.

All perfectly true, but:

1. The OP has said that he/she has a poor mobile signal at home, so use of a phone app isn't really a solution.
2. Yes, the Amazon card web site is certainly easy to access without OTP. But for how long? AIUI, the FCA is pushing providers to institute two-factor authentication. We can't expect NewDay to leave the present access arrangement unchanged indefinitely. They're bound to move to 2FA in the not-too-distant future. I wouldn't mind betting that it'll take the form of OTP by text message. If I'm right on that, it would send the OP back to square one. Whilst use of a cardreader is a faff, at least it looks like a long-term option for the OP.
   

SiliconChip

blue.peter said:

SiliconChip said:

I've had a Nationwide credit card since 2003 and I'll be keeping it because of that, but I couldn't recommend it to anyone as an only card. While the online interface isn't bad, and the app allows access by fingerprint if the OP has a suitable smartphone, ruling out the OTP option means enforced use of the cardreader for website access, which is a faff compared to other security methods. Of my other credit cards I'd probably rate the Amazon Mastercard as the best to access without OTP, with the added advantage of earning points to receive amazon vouchers.

All perfectly true, but:

1. The OP has said that he/she has a poor mobile signal at home, so use of a phone app isn't really a solution.
2. Yes, the Amazon card web site is certainly easy to access without OTP. But for how long? AIUI, the FCA is pushing providers to institute two-factor authentication. We can't expect NewDay to leave the present access arrangement unchanged indefinitely. They're bound to move to 2FA in the not-too-distant future. I wouldn't mind betting that it'll take the form of OTP by text message. If I'm right on that, it would send the OP back to square one. Whilst use of a cardreader is a faff, at least it looks like a long-term option for the OP.
   

I. The OP hasn't said that wifi isn't available at home, and on the assumption that it is then a phone app is absolutely a viable solution.

2. Yes, this may well happen, and OTP is quite likely to be the chosen 2FA option. In which case the OP might be best to choose a card that allows the OTP to be sent to a home number, assuming a land line is available. I have at least one financial organisation that offers this although I can't remember which it is, or if it's a credit card, as I've never needed to use it.