Which cashback credit card to fill in the Amex gap?
Discussion
Currently have the AMEX everyday cashback card, so i can earn 1.5% back on most of my spending, but now im trying to plug the gap for places that dont take amex.
Also have a natwest current account which gives me 1% back on contactless transactions.
What other cards are you using to get that bit extra back?
Ive thought of cards offering avois points etc, but i tend to book package holidays, and im not sure i travel enough to really use the rewards enough for flights etc.
I spend around £450 on the amex a month and another 200 or so on a debit card. clearing the balance each month.
Also have a natwest current account which gives me 1% back on contactless transactions.
What other cards are you using to get that bit extra back?
Ive thought of cards offering avois points etc, but i tend to book package holidays, and im not sure i travel enough to really use the rewards enough for flights etc.
I spend around £450 on the amex a month and another 200 or so on a debit card. clearing the balance each month.
We have an AmEx (Nectar Points) for majority of things but use a Santander 123 for other items (especially fuel).
3% cashback on fuel/petrol stations and train tickets [Also works if you use a petrol garage for groceries which is good to remember if you "just need milk and bread" rather than going into the main store]
2% cashback in department stores [From memory M&S count as department store, not a supermarket]
1% cashback in supermarkets - But they all take AmEx so this is a bit worthless to us.
3% cashback on fuel/petrol stations and train tickets [Also works if you use a petrol garage for groceries which is good to remember if you "just need milk and bread" rather than going into the main store]
2% cashback in department stores [From memory M&S count as department store, not a supermarket]
1% cashback in supermarkets - But they all take AmEx so this is a bit worthless to us.
There is a new card called curve which is being released this month that allows you to recharge purchases to any card.
Curve is a 'prepaid mastercard' so you can use it where they don't accept amex but transactions are charged as purchases to any of your existing cards - you pick which one through an app. Even cash taken out on it is charged as a purchase which is unusual, plus foreign transactions are charged at 1% rather than the 3% that's typical.
I signed up, expect to get the card this month.
The card costs £35 but if you sign up via a referral you and the referrer get £10 each back.
Don't know if referrals are allowed, so PM me if you'd like to use my referrer code.
https://www.imaginecurve.com
Curve is a 'prepaid mastercard' so you can use it where they don't accept amex but transactions are charged as purchases to any of your existing cards - you pick which one through an app. Even cash taken out on it is charged as a purchase which is unusual, plus foreign transactions are charged at 1% rather than the 3% that's typical.
I signed up, expect to get the card this month.
The card costs £35 but if you sign up via a referral you and the referrer get £10 each back.
Don't know if referrals are allowed, so PM me if you'd like to use my referrer code.
https://www.imaginecurve.com
pteron said:
There is a new card called curve which is being released this month that allows you to recharge purchases to any card.
Curve is a 'prepaid mastercard' so you can use it where they don't accept amex but transactions are charged as purchases to any of your existing cards - you pick which one through an app. Even cash taken out on it is charged as a purchase which is unusual, plus foreign transactions are charged at 1% rather than the 3% that's typical.
I signed up, expect to get the card this month.
The card costs £35 but if you sign up via a referral you and the referrer get £10 each back.
Don't know if referrals are allowed, so PM me if you'd like to use my referrer code.
https://www.imaginecurve.com
That looks handy!Curve is a 'prepaid mastercard' so you can use it where they don't accept amex but transactions are charged as purchases to any of your existing cards - you pick which one through an app. Even cash taken out on it is charged as a purchase which is unusual, plus foreign transactions are charged at 1% rather than the 3% that's typical.
I signed up, expect to get the card this month.
The card costs £35 but if you sign up via a referral you and the referrer get £10 each back.
Don't know if referrals are allowed, so PM me if you'd like to use my referrer code.
https://www.imaginecurve.com
Do you know if you can mix personal and 2x company cards onto it?
That curve card looks interesting.
Now a quick question. Have the inadvertently made a card with a licence to print air miles? They say cash withdrawals are treated as purchases. So I take my curve card linked to my virgin airmiles card (2 miles for every £ spent) with its £10k limit, take the £10k out in cash over the month (I have a £1k per day withdrawal limit), pay the withdrawn cash into my bank and use it to pay off the credit card bill.
Free 20k airmiles a month?
Now a quick question. Have the inadvertently made a card with a licence to print air miles? They say cash withdrawals are treated as purchases. So I take my curve card linked to my virgin airmiles card (2 miles for every £ spent) with its £10k limit, take the £10k out in cash over the month (I have a £1k per day withdrawal limit), pay the withdrawn cash into my bank and use it to pay off the credit card bill.
Free 20k airmiles a month?
Nickbrapp said:
Currently have the AMEX everyday cashback card, so i can earn 1.5% back on most of my spending, but now im trying to plug the gap for places that dont take amex.
Also have a natwest current account which gives me 1% back on contactless transactions.
What other cards are you using to get that bit extra back?
Ive thought of cards offering avois points etc, but i tend to book package holidays, and im not sure i travel enough to really use the rewards enough for flights etc.
I spend around £450 on the amex a month and another 200 or so on a debit card. clearing the balance each month.
I've got an AMEX BA card which I put all my monthly and ad-hoc spending on (it's not much though, approx £450/£500 a month). Got it with the idea of building up the BA/AVIOS points for a good holiday somewhere in a few years time. With a 4 year old soon to start school though, it probably wouldn't be used for flights anyway as if we go abroad it will be a package deal. Anyway. me and the OH went to London a few weeks ago to see The Who at Wembley Arena. In the end I used the AVIOS points I'd built up to book a night in a hotel right next to the Arena, which given the short lead up time to knowing we were going would have cost me over £150 for the night and I got it for 13,000 AVIOS. I know it wasn't the most cost effective way of spending the AVIOS points, but in the end, it didn't cost me anything for a night in a decent hotel right next to the gig and 9,000 of those points were a bonus for spending £1,000 in the first 3 months of having the card anyway. You can also spend AVIOS on things like the London Eye too, so again, they maybe not the most cost effective way of spending them, but when you're gaining the points for your normal day to spending anyway, it's better than getting nothing back at all is my view. Also have a natwest current account which gives me 1% back on contactless transactions.
What other cards are you using to get that bit extra back?
Ive thought of cards offering avois points etc, but i tend to book package holidays, and im not sure i travel enough to really use the rewards enough for flights etc.
I spend around £450 on the amex a month and another 200 or so on a debit card. clearing the balance each month.
towser44 said:
Nickbrapp said:
Currently have the AMEX everyday cashback card, so i can earn 1.5% back on most of my spending, but now im trying to plug the gap for places that dont take amex.
Also have a natwest current account which gives me 1% back on contactless transactions.
What other cards are you using to get that bit extra back?
Ive thought of cards offering avois points etc, but i tend to book package holidays, and im not sure i travel enough to really use the rewards enough for flights etc.
I spend around £450 on the amex a month and another 200 or so on a debit card. clearing the balance each month.
I've got an AMEX BA card which I put all my monthly and ad-hoc spending on (it's not much though, approx £450/£500 a month). Got it with the idea of building up the BA/AVIOS points for a good holiday somewhere in a few years time. With a 4 year old soon to start school though, it probably wouldn't be used for flights anyway as if we go abroad it will be a package deal. Anyway. me and the OH went to London a few weeks ago to see The Who at Wembley Arena. In the end I used the AVIOS points I'd built up to book a night in a hotel right next to the Arena, which given the short lead up time to knowing we were going would have cost me over £150 for the night and I got it for 13,000 AVIOS. I know it wasn't the most cost effective way of spending the AVIOS points, but in the end, it didn't cost me anything for a night in a decent hotel right next to the gig and 9,000 of those points were a bonus for spending £1,000 in the first 3 months of having the card anyway. You can also spend AVIOS on things like the London Eye too, so again, they maybe not the most cost effective way of spending them, but when you're gaining the points for your normal day to spending anyway, it's better than getting nothing back at all is my view. Also have a natwest current account which gives me 1% back on contactless transactions.
What other cards are you using to get that bit extra back?
Ive thought of cards offering avois points etc, but i tend to book package holidays, and im not sure i travel enough to really use the rewards enough for flights etc.
I spend around £450 on the amex a month and another 200 or so on a debit card. clearing the balance each month.
LordHaveMurci said:
I've now linked my AmEx card to my Paypal account meaning I get 1.5% cashback on all Paypal purchases 
Although I understand that you lose any protection from the card company if you insert someone like Paypal into the payment chain, and you are then relying on Paypal's protection.PF62 said:
LordHaveMurci said:
I've now linked my AmEx card to my Paypal account meaning I get 1.5% cashback on all Paypal purchases
Although I understand that you lose any protection from the card company if you insert someone like Paypal into the payment chain, and you are then relying on Paypal's protection.PF62 said:
LordHaveMurci said:
I've now linked my AmEx card to my Paypal account meaning I get 1.5% cashback on all Paypal purchases
Although I understand that you lose any protection from the card company if you insert someone like Paypal into the payment chain, and you are then relying on Paypal's protection.LordHaveMurci said:
Guess Paypal protection is pretty good so hopefully should be ok.
I only mentioned it as I have found Amex to be superb with dealing with any issues, plus some Amex cards come with additional protection over and above the statutory protection (Purchase Protection and Refund Protection).I've got a Halifax Clarity card to supplement my Amex. No rewards as such, but no foreign transaction fees and a good exchange rate anywhere in the world.
Unless it was a particularly large amount I could never be bothered providing my employer with evidence of foreign charges so I could expense them. The Halifax card 'saves' me quite a lot as a result.
Unless it was a particularly large amount I could never be bothered providing my employer with evidence of foreign charges so I could expense them. The Halifax card 'saves' me quite a lot as a result.
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