How many bank / credit / reward cards do you normally use day-to-day?

TheMod1

WillPS said:

Vitality Amex + Santander Edge cover most spend

Nectar Amex + Barclaycard Avios for when I've reached the cap on either of the above (rare)

Pluxee where the offered reward trumps a gift card

Natwest Reward - rare, but if I'm in a supermarket spending less than £1 I'll use it, get 1p cashback and normally the 'small balance writedown' offers me whatever it was I bought for nowt.

What's the Natwest Small Balance Writedown?

jbrassy

Amex Platinum cashback for most transactions. Trading 212 where Amex is not accepted. Sometimes use a legacy Capital One cashback credit card where Amex is not accepted.

When abroad, it's Barclaycard Rewards for spending and Starling for ATM withdrawals.

WillPS

TheMod1 said:

WillPS said:

Vitality Amex + Santander Edge cover most spend

Nectar Amex + Barclaycard Avios for when I've reached the cap on either of the above (rare)

Pluxee where the offered reward trumps a gift card

Natwest Reward - rare, but if I'm in a supermarket spending less than £1 I'll use it, get 1p cashback and normally the 'small balance writedown' offers me whatever it was I bought for nowt.

What's the Natwest Small Balance Writedown?

If your statement balance is under £1, they don't bother collecting it and instead write it off - basically.

Same is true for RBS credit cards and Tesco Bank too.

TheMod1

WillPS said:

TheMod1 said:

WillPS said:

Vitality Amex + Santander Edge cover most spend

Nectar Amex + Barclaycard Avios for when I've reached the cap on either of the above (rare)

Pluxee where the offered reward trumps a gift card

Natwest Reward - rare, but if I'm in a supermarket spending less than £1 I'll use it, get 1p cashback and normally the 'small balance writedown' offers me whatever it was I bought for nowt.

What's the Natwest Small Balance Writedown?

If your statement balance is under £1, they don't bother collecting it and instead write it off - basically.

Same is true for RBS credit cards and Tesco Bank too.

Oh never knew that, is this just for the banks you've mentioned or do all banks do this?

WillPS

TheMod1 said:

WillPS said:

TheMod1 said:

WillPS said:

Vitality Amex + Santander Edge cover most spend

Nectar Amex + Barclaycard Avios for when I've reached the cap on either of the above (rare)

Pluxee where the offered reward trumps a gift card

Natwest Reward - rare, but if I'm in a supermarket spending less than £1 I'll use it, get 1p cashback and normally the 'small balance writedown' offers me whatever it was I bought for nowt.

What's the Natwest Small Balance Writedown?

If your statement balance is under £1, they don't bother collecting it and instead write it off - basically.

Same is true for RBS credit cards and Tesco Bank too.

Oh never knew that, is this just for the banks you've mentioned or do all banks do this?

It's just a quirk of the RBS credit card system, a variant of which Tesco Bank still use from their early days as a JV operation with RBS. Ulster Bank will be the same - I'm sure there's another somebody previously mentioned, possibly The One Account or another former RBS venture.

TheMod1

WillPS said:

TheMod1 said:

WillPS said:

TheMod1 said:

WillPS said:

Vitality Amex + Santander Edge cover most spend

Nectar Amex + Barclaycard Avios for when I've reached the cap on either of the above (rare)

Pluxee where the offered reward trumps a gift card

Natwest Reward - rare, but if I'm in a supermarket spending less than £1 I'll use it, get 1p cashback and normally the 'small balance writedown' offers me whatever it was I bought for nowt.

What's the Natwest Small Balance Writedown?

If your statement balance is under £1, they don't bother collecting it and instead write it off - basically.

Same is true for RBS credit cards and Tesco Bank too.

Oh never knew that, is this just for the banks you've mentioned or do all banks do this?

It's just a quirk of the RBS credit card system, a variant of which Tesco Bank still use from their early days as a JV operation with RBS. Ulster Bank will be the same - I'm sure there's another somebody previously mentioned, possibly The One Account or another former RBS venture.

I guess Natwest as they are part of the same group?

Sorry for so many questions is that on all their credit cards or just specific cards?

Fingerbobs

Virtually all day-to-day spending on Barclaycard for 0.5% cashback. I would never use any other payment method by choice. 
Some online spending on Santander Zero, for no ForEx fees. 
Other cards are only rarely used for specific purposes. 
I still carry a small quantity of cash as a fallback, but it rarely gets spent. 

JacJac1

Amex BA card for absolutely everything I can, even if it's £1. Then a Barclays Avios Mastercard for everywhere that doesn't accept Amex. I have another fee free card/account that I use solely when travelling. . 

WillPS

TheMod1 said:

WillPS said:

TheMod1 said:

WillPS said:

TheMod1 said:

WillPS said:

Vitality Amex + Santander Edge cover most spend

Nectar Amex + Barclaycard Avios for when I've reached the cap on either of the above (rare)

Pluxee where the offered reward trumps a gift card

Natwest Reward - rare, but if I'm in a supermarket spending less than £1 I'll use it, get 1p cashback and normally the 'small balance writedown' offers me whatever it was I bought for nowt.

What's the Natwest Small Balance Writedown?

If your statement balance is under £1, they don't bother collecting it and instead write it off - basically.

Same is true for RBS credit cards and Tesco Bank too.

Oh never knew that, is this just for the banks you've mentioned or do all banks do this?

It's just a quirk of the RBS credit card system, a variant of which Tesco Bank still use from their early days as a JV operation with RBS. Ulster Bank will be the same - I'm sure there's another somebody previously mentioned, possibly The One Account or another former RBS venture.

I guess Natwest as they are part of the same group?

Sorry for so many questions is that on all their credit cards or just specific cards?

It is now Natwest Group. Natwest being the one you originally quoted

kimwp

Discount card through employer for groceries, credit card for other purchases, with back up credit card from another bank in case of bank technical issues (also for spending abroad).