John Lewis credit card - rewards reducing

Grumpy_chap

WillPS said:

You'd be better off buying JL giftcards using your Amazon Barclaycard. (Presuming you're OK with relying on JL customer service and not having to resort to Section 75...)

The practical way to manage this is to buy the discounted gift cards to cover the bulk of the purchase and use the CC for the final balance.
For example, say the new purchase is £489.  Buy £480, or whatever the nearest multiple of gift card can get to as gift card and then pay the final £9 on CC.

WillPS

Grumpy_chap said:

WillPS said:

You'd be better off buying JL giftcards using your Amazon Barclaycard. (Presuming you're OK with relying on JL customer service and not having to resort to Section 75...)

The practical way to manage this is to buy the discounted gift cards to cover the bulk of the purchase and use the CC for the final balance.
For example, say the new purchase is £489.  Buy £480, or whatever the nearest multiple of gift card can get to as gift card and then pay the final £9 on CC.

Yep, you're in the 'possible need to argue the toss to get your issuer to play ball' territory, but you're right that should be sufficient.

WindfallWendy

I am still using it alongside an Amazon Barclaycard. I can't find a credit card with anything much better and I definitely will use and appreciate the rewards I get for both (I had air miles for a while and transferred them into a bunch of pointless things I didn't appreciate). And I spend £500+ a month on it so rewards are accumulating, just rather slower than I'd like 😄

mta999

wouldn't even a 0.25% cashback card be better for non-JL spend ?

WindfallWendy

https://forums.moneysavingexpert.com/discussion/comment/81859014#Comment_81859014

Maybe. But I'm a sucker for a voucher.

Maegi

https://forums.moneysavingexpert.com/discussion/comment/81858068#Comment_81858068

Based on what you've said, would you not be better ditching the JL card completely and use the Amazon card everywhere?

WindfallWendy

https://forums.moneysavingexpert.com/discussion/comment/81863855#Comment_81863855

Maybe. But it gets complicated then as 'everything' is household spend as well as my own personal spending and I don't like mixing them up as then I'd need to keep tabs on which current account should be paying for what.

Maegi

https://forums.moneysavingexpert.com/discussion/comment/81864089#Comment_81864089

My mother uses her credit cards for household and her personal debit for personal spending.

I use credit cards for everything and usually just withdraw cash for personal items.