Cashbacks

flaneurs_lobster

northwalesd said:

I'm pretty sure at least one person has tried @s71hj, but it didn't work (as in excluded from cashback).

Indeed, if anyone had found a way to do this then it would have been all over this board in a flash. The Chase exclusions are pretty broad, just realised that insurance premiums are excluded and my car needs doing next week, any cards that let these through for cashback?

s71hj

flaneurs_lobster said:

northwalesd said:

I'm pretty sure at least one person has tried @s71hj, but it didn't work (as in excluded from cashback).

Indeed, if anyone had found a way to do this then it would have been all over this board in a flash. The Chase exclusions are pretty broad, just realised that insurance premiums are excluded and my car needs doing next week, any cards that let these through for cashback?

Thanks and to the previous responder too. I'm constantly on the lookout for new openings of this sort, but I'm not sure I'm looking in all the right places so wondered if I'd missed this one, as it works for the TSB debit card offers.

pochisoldi

s71hj said:

pochisoldi said:

If you have a mortgage with NatWest and a cashback credit card, you could do worse than make a monthly payment to your mortgage using your credit card on the day after your credit card statement is issued.
The payment is treated by NWB Mortgages as a purchase, not a "cash like" transaction.
You get upto 56 days 0% on the amount paid off, plus the cashback.

This has worked for me with my Barclaycard Rewards credit card (0.5% cashback).
Not doing it at the moment as I paid off a large lump sum using a 0% on purchases card (no cashback, but 17 months 0% was too good to knock back).

This is not for you if you don't have the cash available to you, or if it would cause you to deplete your "emergency fund".

I would recommend that you do a "trial" transaction to make ensure your credit card provider pays the rewards, and /or doesn't treat the transaction as "cash like".

For the record the Chase UK debit card won't pay cashback on this type of transaction (and even if they did, for me 56 days 0% plus 0.5% cashback on the credit card pays more than zero days 0% plus 1%CB on Chase)

Just wondering is it possible to use the Chase debit card to eg pay into a building society account you can pay into by debit card, or Starling bank, Zing or anywhere else you can effectively "pay" yourself and get the cashback from Chase in the same way you would if you eg used the debit card in a supermarket?

Chase are all over that kind of thing like a rash - obvious routes like paying off loans, making payments into savings accounts, investments are blocked, and aren't even worth trying.

Chase also don't want you paying for one off big ticket items, which explains a lot of other blocked merchant categories.

I use the Chase card for normal spending for about 10 days a month, when (1% cashback) > (0.5% cashback + 0% interest) on my credit card.

Note that any "normal spending" excludes anything which involves a merchant taking out an authorisation on the card (e.g. pay at pump fuel, hotel/car hire check-in) - those things can lockup "your money" when using a debit card. They also lockup part of your credit card limit - but with a healthy limit, that doesn't get in the way or cost me anything.

flaneurs_lobster

s71hj said:

flaneurs_lobster said:

northwalesd said:

I'm pretty sure at least one person has tried @s71hj, but it didn't work (as in excluded from cashback).

Indeed, if anyone had found a way to do this then it would have been all over this board in a flash. The Chase exclusions are pretty broad, just realised that insurance premiums are excluded and my car needs doing next week, any cards that let these through for cashback?

Thanks and to the previous responder too. I'm constantly on the lookout for new openings of this sort, but I'm not sure I'm looking in all the right places so wondered if I'd missed this one, as it works for the TSB debit card offers.

It's the subtle difference between card use to qualify for a reward and cashback on specific spend. Sometimes the same thing - often not.

friolento

flaneurs_lobster said:

northwalesd said:

I'm pretty sure at least one person has tried @s71hj, but it didn't work (as in excluded from cashback).

Indeed, if anyone had found a way to do this then it would have been all over this board in a flash. The Chase exclusions are pretty broad, just realised that insurance premiums are excluded and my car needs doing next week, any cards that let these through for cashback?

Do you have the Chase credit card? 0% on purchases for 12 months. There are some others with similar deals - First Direct and Natwest/RBS, I think

flaneurs_lobster

friolento said:

flaneurs_lobster said:

northwalesd said:

I'm pretty sure at least one person has tried @s71hj, but it didn't work (as in excluded from cashback).

Indeed, if anyone had found a way to do this then it would have been all over this board in a flash. The Chase exclusions are pretty broad, just realised that insurance premiums are excluded and my car needs doing next week, any cards that let these through for cashback?

Do you have the Chase credit card? 0% on purchases for 12 months. There are some others with similar deals - First Direct and Natwest/RBS, I think

Thanks but it's not the zero interest on credit I was hoping to blag, more a percentage of cashback on the purchase.

s71hj

flaneurs_lobster said:

friolento said:

flaneurs_lobster said:

northwalesd said:

I'm pretty sure at least one person has tried @s71hj, but it didn't work (as in excluded from cashback).

Indeed, if anyone had found a way to do this then it would have been all over this board in a flash. The Chase exclusions are pretty broad, just realised that insurance premiums are excluded and my car needs doing next week, any cards that let these through for cashback?

Do you have the Chase credit card? 0% on purchases for 12 months. There are some others with similar deals - First Direct and Natwest/RBS, I think

Thanks but it's not the zero interest on credit I was hoping to blag, more a percentage of cashback on the purchase.

Is there a particular  board anyone  can recommend on the forum that covers stuff that falls into this sort of category?