Best credit card for main spending
Discussion
Hey All
In short, we spend about 25k a year on our credit card, this is because we use it for everything. The main reason originally for this is just because if the account was to ever be the victim of fraud, it is much easier to resolve with a Credit Card than if someone steals money out of your bank!
We clear the balance every month so there is never any interest or debt.
At this level of spending, what would be the best Credit Card to use for rewards/cash back etc? Currently on an MBNA platinum.
Thanks
In short, we spend about 25k a year on our credit card, this is because we use it for everything. The main reason originally for this is just because if the account was to ever be the victim of fraud, it is much easier to resolve with a Credit Card than if someone steals money out of your bank!
We clear the balance every month so there is never any interest or debt.
At this level of spending, what would be the best Credit Card to use for rewards/cash back etc? Currently on an MBNA platinum.
Thanks
I suppose it depends on what, if any, "rewards" you want, and how much of a yearly fee, if any, you are willing to pay.
I have a BA Amex card for main use so that I can collect BA Avios etc for future flights with wife, works well for us. Being retired and therefore flexible on dates helps with getting seats.
Had the Amex card since 1980.
R.
I have a BA Amex card for main use so that I can collect BA Avios etc for future flights with wife, works well for us. Being retired and therefore flexible on dates helps with getting seats.
Had the Amex card since 1980.
R.
I've got a Barclaycard Cashback card that's currently giving 0.5% cashback on all spending. This is much simpler for me to understand than something that gives you points with some random intermediate exchange rates against things you may or may not want to buy. I'm not sure this card is still available for new customers, but they seem to do a 0.25% one.
AMEX Gold.
Had 4 business class flights for free on Emirates for 2 people over the last 6 months from a 2-3 years expenditure and got another 160k points still to use.
If you refer your wife after 3 months so you both have one you'd get a load of referral points too, then just switch one of them to a free AMEX for the 2nd year so you're only paying £160 per annum on one card.
It's been well worth it with the shop small discounts, airport lounge passes, £10 off deliveroo a month etc.
Had 4 business class flights for free on Emirates for 2 people over the last 6 months from a 2-3 years expenditure and got another 160k points still to use.
If you refer your wife after 3 months so you both have one you'd get a load of referral points too, then just switch one of them to a free AMEX for the 2nd year so you're only paying £160 per annum on one card.
It's been well worth it with the shop small discounts, airport lounge passes, £10 off deliveroo a month etc.
I’ve had cashback credit cards for years but the rewards have been getting worse every year. The last good one was Tandem that stopped about 2 years ago, since then I’ve used a John Lewis card but that isn’t as good now as when I got it.
I’m currently using a Chase debit card as that gives 1% back but it’s not a credit card so I have to load the account if I’m about to make any big purchases.
I’m currently using a Chase debit card as that gives 1% back but it’s not a credit card so I have to load the account if I’m about to make any big purchases.
Dave350 said:
AMEX Gold.
Had 4 business class flights for free on Emirates for 2 people over the last 6 months from a 2-3 years expenditure and got another 160k points still to use.
If you refer your wife after 3 months so you both have one you'd get a load of referral points too, then just switch one of them to a free AMEX for the 2nd year so you're only paying £160 per annum on one card.
It's been well worth it with the shop small discounts, airport lounge passes, £10 off deliveroo a month etc.
I have been Amex since 99 and not Paid for flights to USA for years, four seats a year at least PE and this summer UC. Back this Xmas on points and enough points for the next 8 seats. ! But I do put everything on it, check out “shops away “. . Up to six points per £. Had 4 business class flights for free on Emirates for 2 people over the last 6 months from a 2-3 years expenditure and got another 160k points still to use.
If you refer your wife after 3 months so you both have one you'd get a load of referral points too, then just switch one of them to a free AMEX for the 2nd year so you're only paying £160 per annum on one card.
It's been well worth it with the shop small discounts, airport lounge passes, £10 off deliveroo a month etc.
This year got coming 8 chauffeured car to Heathrow from home .
The Leaper said:
I suppose it depends on what, if any, "rewards" you want, and how much of a yearly fee, if any, you are willing to pay.
I have a BA Amex card for main use so that I can collect BA Avios etc for future flights with wife, works well for us. Being retired and therefore flexible on dates helps with getting seats.
Had the Amex card since 1980.
R.
Forgot to add that with the BA Amex card you can get lots of additional Avios by buying through BA's Gate 365 online facility, assuming the company you are buying from participates. I've had some amazing deals on Avios in the past via this facility.I have a BA Amex card for main use so that I can collect BA Avios etc for future flights with wife, works well for us. Being retired and therefore flexible on dates helps with getting seats.
Had the Amex card since 1980.
R.
R.
We have a Tesco card and put all spending on it.
We get around £200 a year in clubcard vouchers.
Whilst some of the deals aren’t as good as they used to be, got my sons xbox for free a few years back.
They still triple them up for some things. It cost us less than £10 to take to cars to Le Mans on the Chunnel and £7 for our next road trip.
We’ll still have £100 left for Christmas / New year shopping.
We get around £200 a year in clubcard vouchers.
Whilst some of the deals aren’t as good as they used to be, got my sons xbox for free a few years back.
They still triple them up for some things. It cost us less than £10 to take to cars to Le Mans on the Chunnel and £7 for our next road trip.
We’ll still have £100 left for Christmas / New year shopping.
David Beer said:
I have been Amex since 99 and not Paid for flights to USA for years, four seats a year at least PE and this summer UC. Back this Xmas on points and enough points for the next 8 seats. ! But I do put everything on it, check out “shops away “. . Up to six points per £.
This year got coming 8 chauffeured car to Heathrow from home .
Just to set some expectations in case the OP is dreaming of 4 seats a year in Premium Economy, a £2k a month spend on Amex might just stretch to two off-peak economy seats in the first year if he takes advantage of the sign-up bonus and ongoing promotions.This year got coming 8 chauffeured car to Heathrow from home .
QuartzDad said:
David Beer said:
I have been Amex since 99 and not Paid for flights to USA for years, four seats a year at least PE and this summer UC. Back this Xmas on points and enough points for the next 8 seats. ! But I do put everything on it, check out “shops away “. . Up to six points per £.
This year got coming 8 chauffeured car to Heathrow from home .
Just to set some expectations in case the OP is dreaming of 4 seats a year in Premium Economy, a £2k a month spend on Amex might just stretch to two off-peak economy seats in the first year if he takes advantage of the sign-up bonus and ongoing promotions.This year got coming 8 chauffeured car to Heathrow from home .
Note that there is no facility until the first year is completed, as far as I understand things.
R.
The Leaper said:
I think your comment relates to UK-USA return. £2000pm will cover several seats to Europe.
Note that there is no facility until the first year is completed, as far as I understand things.
R.
I think another robot OP , So unless I am proven wrong I will not spend any more time on this subjectNote that there is no facility until the first year is completed, as far as I understand things.
R.
supersport said:
We have a Tesco card and put all spending on it.
We get around £200 a year in clubcard vouchers.
Whilst some of the deals aren’t as good as they used to be, got my sons xbox for free a few years back.
They still triple them up for some things. It cost us less than £10 to take to cars to Le Mans on the Chunnel and £7 for our next road trip.
We’ll still have £100 left for Christmas / New year shopping.
Likewise Tesco. Recent points on triple deals have been spent on Hotels.com for quick breaks down to the West country, National Express and Megabus to Heathrow airport and APH parking at Gatwick. We get around £200 a year in clubcard vouchers.
Whilst some of the deals aren’t as good as they used to be, got my sons xbox for free a few years back.
They still triple them up for some things. It cost us less than £10 to take to cars to Le Mans on the Chunnel and £7 for our next road trip.
We’ll still have £100 left for Christmas / New year shopping.
Edible Roadkill said:
I’ve the barclaycard cash back card. Was good when it started, nearly a decade ago but now the rewards 0.5%
Same here, mine was originally a 'Goldfish' card.The points go towards washing machines etc from Curry's.
I guess that with people being able to take card payments at low costs like 1.6% these days, we can't expect so much in cashback etc?
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