what credit card - to be paid off every month?

what credit card - to be paid off every month?

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Discussion

NiceCupOfTea

Original Poster:

25,280 posts

250 months

Friday 1st August 2014
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As topic heading - looking for a joint day to day credit card to be paid off every month. All the comparison websites are all about balance transfers &c which I'm not interested in!

marctwo

3,666 posts

259 months

Friday 1st August 2014
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Get something with cashback if you always pay off the balance...

http://www.moneysavingexpert.com/credit-cards/cash...

plfrench

2,300 posts

267 months

Saturday 2nd August 2014
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I just got a Capital One Business Aspire for the purposes of cashback. As long as it's paid off in full every month, I couldn't see a downside.

No annual fee. 5% cashback (up to £100 back) in the first 3 months as an introductory bonus.

Then in any given year:
0.5% cashback on purchases up to £3000
1.0% (or might be 0.75%) purchases between £3000 and £7500 (or a similar number, I should really have dug the paperwork out before posting!)
1.25% above £7500 (or similar!)

They pay you every January, so a nice little bonus.


GCH

3,984 posts

201 months

Saturday 2nd August 2014
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Amex charge cards are paid in full every month

Dave^

7,324 posts

252 months

Saturday 2nd August 2014
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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... scratchchin

MajorProblem

4,700 posts

163 months

Saturday 2nd August 2014
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Just as a slightly different thing...

We've got a joint Tesco card which is interest free purchases for 18 months. We put everything on it and leave all the money to pile up in our accounts to which is offset against our mortgage.

We've been doing this now for the past 7 months and it's working well, we're saving around £100 a month in interest payments and have so many clubcard vouchers we don't know if we can spend them all. Especially if you boost them.

Obviously you need some discipline to pay it off when it hits the limit or the term comes to an end. When it does end I think we'll do it again.

GreatPretender

26,140 posts

213 months

Saturday 2nd August 2014
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If you fly a lot then the BA Amex card is excellent for accruing Avios points. I buy everything on mine, including all household bills, car etc.

The return is lots of free flights, or upgrades.

NNH

1,515 posts

131 months

Saturday 2nd August 2014
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Depends whether you like points or not.
Cashback: Amex and Santander both seem decent at the moment
Points: Any of the major supermarket banks will have a good points deal to get a lot more value back on your shopping, and often deals on petrol/etc thrown in
Travel points: I like the British Airways Amex which gives you miles as well as a 2-for-1 upgrade deal, if you like to travel fairly often at the front of the plane
Other travel:[blatant plug] The Halifax Clarity card offers free foreign transactions, so it's worth having even if you only really use it abroad [/blatant plug]

Source: I work in the industry

brickwall

5,192 posts

209 months

Saturday 2nd August 2014
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NNH said:
Depends whether you like points or not.
Cashback: Amex and Santander both seem decent at the moment
yes

I use both of these.

Amex for everyday transactions, as it gives 1.25% cash back.

Santander gives 1.00% cash back on most transactions, BUT
2.00% at major department stores
3.00% at major petrol stations and TfL. 3% off the monthly travelcard and fuel bill is worth having for me.

lukefreeman

1,492 posts

174 months

Monday 4th August 2014
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MajorProblem said:
Just as a slightly different thing...

We've got a joint Tesco card which is interest free purchases for 18 months. We put everything on it and leave all the money to pile up in our accounts to which is offset against our mortgage.

We've been doing this now for the past 7 months and it's working well, we're saving around £100 a month in interest payments and have so many clubcard vouchers we don't know if we can spend them all. Especially if you boost them.

Obviously you need some discipline to pay it off when it hits the limit or the term comes to an end. When it does end I think we'll do it again.
Regarding club card points, I amass that many, I use the club card boost to buy apple products through Tesco, and sell on as BNIB goods cash sale on various sites to get the cash back.

Tesco club card for us, pay for EVERYTHING on it. Max it every month, then pay it back end of month.

oyster

12,577 posts

247 months

Monday 4th August 2014
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lukefreeman said:
MajorProblem said:
Just as a slightly different thing...

We've got a joint Tesco card which is interest free purchases for 18 months. We put everything on it and leave all the money to pile up in our accounts to which is offset against our mortgage.

We've been doing this now for the past 7 months and it's working well, we're saving around £100 a month in interest payments and have so many clubcard vouchers we don't know if we can spend them all. Especially if you boost them.

Obviously you need some discipline to pay it off when it hits the limit or the term comes to an end. When it does end I think we'll do it again.
Regarding club card points, I amass that many, I use the club card boost to buy apple products through Tesco, and sell on as BNIB goods cash sale on various sites to get the cash back.

Tesco club card for us, pay for EVERYTHING on it. Max it every month, then pay it back end of month.
To buy an iPad using Tesco points you'd have to spend something like £140,000 on the credit card. Are you buying houses with it??

Jonny_

4,108 posts

206 months

Monday 4th August 2014
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I use a Santander 123 card, mostly for fuel as much of my fuel spend is claimed back as a business expense through my employer. I just pay it off in full every month, and get around £80 a year in cashback for doing nowt.

Little calculatory thing here may be useful: http://www.santander123.co.uk/

MajorProblem

4,700 posts

163 months

Monday 4th August 2014
quotequote all
oyster said:
To buy an iPad using Tesco points you'd have to spend something like £140,000 on the credit card. Are you buying houses with it??
It's £155 for an ipad - so therefor you need to spend £15500, which is easily done.

Rick101

6,959 posts

149 months

Monday 4th August 2014
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I have a Capital 1 too.

Never had any issues. Website is easy to access. I usually get about £150 credit every year.

lukefreeman

1,492 posts

174 months

Tuesday 5th August 2014
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oyster said:
To buy an iPad using Tesco points you'd have to spend something like £140,000 on the credit card. Are you buying houses with it??
We can rack up £2-4k a month on a credit cards easily, Food, fuel, car parts, holidays, bills, even buying stuff for mates, and getting cash off them later. T


iPad mini's are 22500 points, but we are just buying iPods and apple TV's

gregf40

1,114 posts

115 months

Tuesday 5th August 2014
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Definitely get an Amex Platinum Cashback card.

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

rfisher

5,024 posts

282 months

Tuesday 5th August 2014
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How many airmiles would you get spending £7000 per year?

CRB14

1,493 posts

151 months

Tuesday 5th August 2014
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Jonny_ said:
I use a Santander 123 card, mostly for fuel as much of my fuel spend is claimed back as a business expense through my employer. I just pay it off in full every month, and get around £80 a year in cashback for doing nowt.

Little calculatory thing here may be useful: http://www.santander123.co.uk/
Same, I think the max fuel cash back is based on £300 a month which I more than do so I get £9 a month back on fuel alone as well as collecting nectar points at BP stations.

jon-

16,497 posts

215 months

Tuesday 5th August 2014
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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 wink

NiceCupOfTea

Original Poster:

25,280 posts

250 months

Wednesday 6th August 2014
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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 wink
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.