what credit card - to be paid off every month?

[Turtle head]

Dave^ said:

I got a Tesco Clubcard one just over a year ago.... fking useless, I've had about £15 of points... I obviously need to spend more money...

I to have a tesco cerdit card, I use for every thing. Since oct 2012 I have saved around £150 in club car vouchers. I have a fuel card for my company car so I fill up at tesco and put the points on my credit card.

Cant grumble at that.

[NNH]

NiceCupOfTea said:

jon- said:

gregf40 said:

Definitely get an Amex Platinum Cashback card.

Can't fault Amex service and the cashback level is pretty high.

And the 3 places you can use them are great

That's my concern with Amex, I gather a lot of places don't accept them, especially abroad... All my cards have been visa before.

Amex is accepted at nearly all petrol station, supermarkets, travel sites, and department stores. I use it for 90% of my spending. I carry a Halifax Clarity Mastercard to fill in the gaps, and I also use it abroad because there's no exchange fee.

[RicksAlfas]

NNH said:

Amex is accepted at nearly all petrol station, supermarkets, travel sites, and department stores. I use it for 90% of my spending. I carry a Halifax Clarity Mastercard to fill in the gaps, and I also use it abroad because there's no exchange fee.

Amazon and Paypal both accept Amex too if you do a lot of online spending.

[rfisher]

Sooooooo ....

Airmiles.

£7000 a year spending.

Can I fly to the shops every week instead of getting the bus?

[GreatPretender]

NNH said:

Amex is accepted at nearly all petrol station, supermarkets, travel sites, and department stores. I use it for 90% of my spending. I carry a Halifax Clarity Mastercard to fill in the gaps, and I also use it abroad because there's no exchange fee.

This.

IME it's also the safest card for frequent travelers abroad; they're very vigilant against fraudulent activity and will deliver replacement cards etc to just about anywhere.

[bad company]

rfisher said:

How many airmiles would you get spending £7000 per year?

Not very many at that level.

[HenryJM]

I use Amex all the time and rarely have to switch to visa. That's UK and abroad although the USA and Australia are my usual destinations, may be worse in europe.

[NNH]

HenryJM said:

I use Amex all the time and rarely have to switch to visa. That's UK and abroad although the USA and Australia are my usual destinations, may be worse in europe.

I find coverage in Europe isn't great outside the tourist zones, but it seems to vary a lot by country: Benelux is bad; Hungary is good.

[ManFromDelmonte]

jon- said:

gregf40 said:

Definitely get an Amex Platinum Cashback card.

Can't fault Amex service and the cashback level is pretty high.

And the 3 places you can use them are great

As above I find Amex accepted almost everywhere but for the places that don't I have a Visa card linked to the same account and with the same PIN. I get twice the reward points for using Amex over the Visa so I only use it when I have to.

[Cotty]

I have a Sainsburys credit card. The idea was to double up my Nectar points on my weekly shop but keep forgetting to use it. I have about £100 of points now, I could have had £200

[LasseV]

NiceCupOfTea said:

That's my concern with Amex, I gather a lot of places don't accept them, especially abroad... All my cards have been visa before.

Well, thats not true. You can use amex everywhere where is a lot of tourism or busines people. I'm very pleased with amex and it makes travelling easy and safe. Travel online service is a top notch on and cs is too. Also travel insurance is one of the best.

I don't know is it a best card what is available, but i have been very pleased with it.

[jshell]

RBS Black credit card. Costs me about £18 a month.

Don't get miles, cashback or any of that, but I get:

Free travel insurance - I travel a LOT.
Free Greenflag roadside breakdown cover.
Free household emergency callouts for leaks, break-ins etc.
Free boiler care - used that a fair few times and saved a fortune.
Free mobile phone insurance for up to 5 phones a year.
and a loads of other less used stuff!

Depends what you need/want.

[Shaoxter]

I see the Luma cashback card hasn't been mentioned yet... 4% cashback up to £225 a month on groceries and fuel. We have 2 of them and it's an easy £18 a month. Only downside is that it's currently unavailable!

Also use Amex Platinum cashback and Barclaycard platinum cashback which is being discontinued this month (2% back on top 5 purchases a month).

Then I have the Halifax clarity for cash/purchases abroad. And a Tesco credit card. And the Lloyds Avios credit cards. And a Nationwide Select credit card. Reason I don't cancel old cards is because it's better for your credit rating!

[bad company]

jshell said:

RBS Black credit card. Costs me about £18 a month.

I just looked at that as I am thinking of cancelling my £450 a year Amex Platinum card. Trouble is RBS seem to have discontinued it:-

http://personal.rbs.co.uk/private/our-products/cre...

If anybody knows of any other alternatives to Amex I would love to hear? I need\want Priority Pass, Travel Insurance and any other benefits.

[Alex106]

After reading this it seems my Halifax Mastercard isnt doing a thing for me in terms of cashback. Its always cleared in full each month.

Although I do have a current account with Halifax, which means I get cashback offers from random places. This year I have saved about £22 using them.

Is it possible for me to have both the Halifax accounts and have a Santander current account and credit card?

[beeej]

amexlol

Understand that it's often not accepted at businesses, I guess they won't stomach the merchant costs involved. I find this is common at hotels, restaurants, rural areas with small businesses generally, and many places abroad. By abroad, what am I saying? Well if you holiday in Florida and Rome like all the Americans, your amex will work fine.

[okgo]

I've got an amex through work which is a dollar one, which basically means it has no chip and everything has to be signed which is a massive PITA - BUT there has only been 1 or 2 places that have not taken it so far. I've paid for stuff from all sorts of places on it, so I think its getting better.

[ManFromDelmonte]

Amex being accepted 'hardly anywhere' is simply not true.

The only places I regularly go that don't accept it are the post office and the Japanese place I have lunch in sometimes. For those I use my Visa.

It's really not a big deal to carry two cards and the benefits of Amex more than make up for this.

[GreatPretender]

beeej said:

amexlol

Understand that it's often not accepted at businesses, I guess they won't stomach the merchant costs involved. I find this is common at hotels, restaurants, rural areas with small businesses generally, and many places abroad. By abroad, what am I saying? Well if you holiday in Florida and Rome like all the Americans, your amex will work fine.

Drivel.

As I've said already (is this thing on etc.), I use my Amex almost exclusively for everything I spend. Currently racking up almost 100k Avios a year on it, which is a return flight for two to the US each year.

I think it's worth it.

[jon-]

GreatPretender said:

Drivel.

As I've said already (is this thing on etc.), I use my Amex almost exclusively for everything I spend. Currently racking up almost 100k Avios a year on it, which is a return flight for two to the US each year.

I think it's worth it.

What's that in monthly spend?