cashback / airmiles / points credit card what is the best?

asandwhen

I have a halifax card that I use for my purchases every month ( roughly £700 per month) I pay this off in full. I currently get nothing for doing this so fancy getting a card that pays me back. My halifax card has a 59 day interest free turn around but I can go less than this as I pay once per month.

Can anyone recommend the best one for me please as it all looks a little confusing :huh: - I would rather not get an american express as my council tax bill doesnt accept these.

any help would be appreciated.

asandwhen

So far the best for me would be asda - because I get free home delivery - and 2p off a litre of petrol every time I fill up - it also says I get points but cant work out how much for each spend.

CLAPTON

essentially it will depend upon your circumstances and shopping habits

airmiles will not be very attractive to those that dont fly

asda points wont be very attractive to people who dont live near an asda

some people like tescos CC because of the deals but if you dont use them etc.

personally i like a straight cashback card ... its easy to use it anywhere a CC can be used and you get cash and not coupons....

nomoneytoday

I use Shell - 1% off petrol is £7 a month

asandwhen

What is the best cashback card then? I have looked at egg money but the 50 day interest free worries me - at the moment with halifax my bill runs on or around 8th of each month ( say 8th may ) then I will spend on this car up untill the next bill ( 8th June ) and the bill wont have to be paid untill 8th July. It is up to 59 days - What cashback card is the most similar to this as we have got ourselves into a routine with this halifax card and would like to carry on a similar routine.

CopperPlate_2

You can set the Egg Money statement date yourself so you know when the bill is due roughly on the same date give or take a day the following month, e.g. my bill is produced on the 2nd (ish) of each month and payment is taken by direct debit in full on or around the 21st/22nd of the following month. Albeit it is a shorter period than the 59 days you're currently getting you can still have some influence as to when the payment is taken from you and work around that. Egg Money are paying 1% cashback at the moment so it seems, in comparison to the Halifax which is probably paying at most 0.25% (if even that), to be the better option despite the reduced 'interest free' period each month.

Can't speak for the other cashback cards - there seems to be a shortage of them now that Capital One is not on the go.

The alternative is the likes of the Shell MasterCard by Citicards which offers up to 53 days interest free, etc each month. It gives 1% back on all spending outside Shell, and 3% on Shell spending (conditions apply though - see http://www.citibank.co.uk/personal/cards/shell/cards_shell.htm?type=cards&merchant=citi&offer=A154 for more details).