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How many bank / credit / reward cards do you normally use day-to-day?
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Constantly changes depending on what deals are currently on what cards. At the moment.
Marbles, Nat West and Capital one using long term 0% on purchases
Chase for 1% cashback on supermarket and fuel.
Coop for 10 small transactions a month to satisfy the switch cashback offer.
Barclaycard Rewards for everything else.0 -
Amex Nectar for most spending. Everywhere that it is accepted.
Tesco credit card (longest held) and Barclaycard Rewards (travel), small spend most months to keep live.
Chase and Nationwide debit cards are on my phone in case I'm out and need to buy something but forgot my cards. Only both in use because Chase used to offer cashback and Nationwide requires Fairer Sharer spends at certain times.
Debt Free: 01/01/2020
Mortgage: 11/09/20240 -
For small spending, I tend to use my chase card. Larger transactions will be done by whatever CC stooze I have on the go. Then I also have Barclaycard cashback CC that gets used when im not building a stooze pot (and also wife has it as an additional named holder so uses it now & then)
I also have the 3 x Halifax reward accounts so do the £500 transaction which is normally paying money into isa or paying down stooze debt etc.0 -
3 currently.
A 0.5% cashback CC, Chase for 1% cashback where that is available and NatWest for the roundups where the small transaction value makes that worthwhile.
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I have 2 cashback cards: Amex and Aqua. I'm currently stoozing though so have a variety of 0% spending and bal tfr cards on the go. I generally use a 0% spending card for most of my day to day spending.0
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I use Apple pay for most things. Joint account bank debit card with DH for most everyday bills etc like groceries, meals out, fuel, car costs etc, Sole account bank debit card for personal items like clothes, toiletries, beauty treatments, hobbies etc. Credit card (choice of 2) for larger usually online purchases. John Lewis gives me vouchers but none of my other cards give any rewards/cashback.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£391.55
Save £12k in 2025 #1 £12000/£120000 -
Trading 212 @ 1.5% cashback for as much as I can until it ends. It's the default on my Google Wallet and my preferred card on PayPal. I just have to make sure I transfer money across to the account.Co-operative Bank Member Credit Card @ 0.3% (0.5% if shopping at the Co-op) for my regular payments/bills that are not direct debts, and for when I'm in a pinch and don't have time / can't be bothered to transfer money across to my Trading 212 account.Barclaycard Rewards Card @ 0.25% for anything to do with travel spending, including actual use abroad, as its helpful for budgeting to keep all of that completely separate.I no longer check the forums as regularly as I used to. If you wish to catch my attention please remember to tag me (@ircE) so I get a notification.0
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