What credit cards do you have?

[VS02]

I’ve got 3, but was thinking, is that too many? Or should I go for the Lloyds Cashback card as a non Amex or Avios points alternative? I am not a big spender nor do I fly or stay in hotels (other than Premier Inn) - I’m a student

I always pay my balance off in full every month, but like having the 0% purchases feature just in case.

Me:

American Express Platinum Everyday (my daily) - decent limit and rewards

Sainsbury’s Bank Nectar card (great for student shopping as Sainsbury’s is the local shop)

HSBC student (back up card that has actual branches, if that matters) - nice Low APR but small limit.

I’m also a secondary cardholder on an M&S Bank Rewards card - but that doesn’t count

What should I go for next? Nothing, an Avios card, or a cashback card?

What cards do you have?

Edited by VS02 on Friday 16th September 21:12

[RoadToad84]

I have a Barclaycard 0.5% Cashback card that I use for pretty much everything. Paid off in full each month, and returns about £70 a year in cashback.

Also have a back up Barclaycard that I keep for unbudgeted emergency purchases on 0%

That way I can keep my main card for everyday use and pay off in full, while being able to chip away at a large purchase over a period of time with the other

[Shiv_P]

Main is Vitality American Express - I get 2% cashback on that if I achieve max 'points' (nearly always happens)
Used to have amazon platinum mastercard until they recently canned it, still have but don't use anymore. Now got the Barclaycard Avios free thingy, and also use the Chase debit with 1% cashback

[Silverage]

I’m all about the Chase 1% cashback debit card at the moment. Got the rounding up to the nearest whole pound for each transaction and getting 5% on that.

[Chris Type R]

NatWest Rewards which recovers a small percentage of our spend. Paid in full every month.

NatWest 0% on purchases card which is free borrowing in inflationary times. Using for spend on a flip house. Due to be settled 2024.

[caziques]

Gave up all credit cards a few years ago, much better.

[Somebody]

RoadToad84 said:

I have a Barclaycard 0.5% Cashback card that I use for pretty much everything. Paid off in full each month, and returns about £70 a year in cashback.

Also have a back up Barclaycard that I keep for unbudgeted emergency purchases on 0%

That way I can keep my main card for everyday use and pay off in full, while being able to chip away at a large purchase over a period of time with the other

How did you managed to have 2 Barclaycard accounts? I thought you were only allowed one type of Barclaycard?

[thebraketester]

Had 3, Now down to one Amex BA. the other two had just been dormant so cancelled them recently.

[RoadToad84]

Somebody said:

How did you managed to have 2 Barclaycard accounts? I thought you were only allowed one type of Barclaycard?

I couldn't say tbh. Had them both for 15+ years. The app allows you to service multiple cards without issue, so I don't think I'm unique.

[FreeLitres]

caziques said:

Gave up all credit cards a few years ago, much better.

In what way?

I use a Natwest credit card for business expenses. I get reimbursed just before the money comes out of my account.

Credit cards work for some people.

[Fckitdriveon]

3 Amex platinum charge cards .
2 business - 1 personal .
Helpful for the points which convert to avios for trips , and the odd perk
They are charge cards so are settled every month. I find it comforting not having any rolling debt month to month.

[john41901]

Collect points with the BA Amex. I always clear the balance but retain a Barclaycard that is pretty much unused these days.

Accrued loads of points to spend over the covid years.

[Chris Hinds]

Amex cash back for most spend (16 years now)

Just changed my backup card from nationwide to Lloyds as Nationwide gave up cash back. First time for a couple of decades without a visa credit card.

I spend just about everything on credit cards purely for cash back. They get paid in full each month and I never carry a balance.

[anonymous-user]

FreeLitres said:

caziques said:

Gave up all credit cards a few years ago, much better.

In what way?

I use a Natwest credit card for business expenses. I get reimbursed just before the money comes out of my account.

Credit cards work for some people.

This i pay mine off montly and get about £120 a year back.

[LeoSayer]

Amex card with something like 1% cashback which I use everywhere that will take it. Smaller shops tend not to.

Barclaycard visa with (I think) 0.5% cashback which I use for whatever the Amex doesn't take.

Halifax clarity card mastercard for foreign spending. I used it earlier this month for the first time since December 2019.

[Fusion777]

Think I've just got a boggo Natwest card that I never use

[Simpo Two]

One for everyday use.
Another as a back-up if I lose the first.

[Glosphil]

Nationwide - Visa - held for numous years but now rarely used. Kept as it has a high limit.
Barclaycard - Visa - mainly used for our supermarket shopping as often has a high percentage cash back for that supermarket.
Lloyds - Mastercard - main credit card due to decent cashback on all purchases.
All cards always paid off in full every month by direct debit.

[Simpo Two]

Glosphil said:

Lloyds - Mastercard - main credit card due to decent cashback on all purchases.

If I'm not being rude, how much and how many strings attached?

[djc206]

4

BA Amex used to get the companion voucher each year

Platinum Amex used for all the hotel and dining perks etc

Natwest Mastercard linked to my other accounts that doesn’t charge foreign transaction fees

MBNA visa because it just won’t die despite me never using it. The logic of keeping it is that this way I’ve got 3 different types of card.

All cleared in full every month