Best rewards credit card?
Discussion
Looking into getting another credit card or two, just to help bump that credit score into the 900's. I don't need interest free or balance transfers etc, just looking for something that gives the most usable benefits. Looked around on the comparison sites and there's not much that's of interest. I have no need for 6 months of apple music or other b
ks.
I've already got a saino's card which is linked to nectar, and amex gold for day-to-day spending.
Any decent cashback cards? Incentives?
There must be a few providers out there that aren't listed on the comparison sites, what do you know?
ks.I've already got a saino's card which is linked to nectar, and amex gold for day-to-day spending.
Any decent cashback cards? Incentives?
There must be a few providers out there that aren't listed on the comparison sites, what do you know?
Edited by goldar on Tuesday 4th July 14:33
goldar said:
Unhelpful post
Maybe I didn't understand your post, but I'm not sure why?On the front of that page there's 2 links one for repairing bad credit:
https://www.moneysavingexpert.com/credit-cards/bad...
and another for incentives:
https://www.moneysavingexpert.com/credit-cards/bes...
Both of which you mentioned?
Ignore your credit score. It doesn't mean a thing, and nobody but you can see it. In the UK it's just something that credit reference agencies use to sell you stuff.
All you need to check on your credit report is that the information is correct, and make sure that you have no missed payments. And you need to check it with, ideally, Equifax, Experian, and TransUnion, who are the three main credit reference agencies. A free account with each of Totally Money, Clearscore, and Moneysavingexpert credit club will cover them all off.
ETA: FWIW, it's likely that if you take out a new credit card your score will actually drop, at least in the short term, as 1) it's a credit application, 2) increasing the amount of credit you have available is usually (though not always) bad, and 3) your new card will have no payment history.
All you need to check on your credit report is that the information is correct, and make sure that you have no missed payments. And you need to check it with, ideally, Equifax, Experian, and TransUnion, who are the three main credit reference agencies. A free account with each of Totally Money, Clearscore, and Moneysavingexpert credit club will cover them all off.
ETA: FWIW, it's likely that if you take out a new credit card your score will actually drop, at least in the short term, as 1) it's a credit application, 2) increasing the amount of credit you have available is usually (though not always) bad, and 3) your new card will have no payment history.
Edited by spikyone on Tuesday 4th July 17:31
goldar said:
I stated that I've looked on the comparison sites. And I don't have bad credit. It helps to read before you post.
I think Wol was trying to be helpful and he's gone to the effort of making a suggestion and then explaining it. To be fair I wouldn't have called MSE a comparison website either. MG-FIDO said:
I think Wol was trying to be helpful and he's gone to the effort of making a suggestion and then explaining it. To be fair I wouldn't have called MSE a comparison website either.
Agreed. MSE is usually decent enough for reviews.Op alternatively take a look at 'head for points' it's always been a decent website for reviews on credit cards amongst other things.
In terms of your particular question, perhaps focus on whether you have a preference for cash back or air miles as that might narrow it down a little.
"The most usable benefits" is something that's going to vary massively depending on your lifestyle / preferences.
I recently applied for a Virgin credit card as I have a specific requirement to accumulate Virgin airmiles. For me that was the "Best rewards credit card". For you, it will probably be something totally different. Think of something you want to collect, and then find the credit card that most closely matches that.
I recently applied for a Virgin credit card as I have a specific requirement to accumulate Virgin airmiles. For me that was the "Best rewards credit card". For you, it will probably be something totally different. Think of something you want to collect, and then find the credit card that most closely matches that.
dunkind said:
Any body know of a credit card that provides annual worldwide insurance for more than just 30 days at a time?
American Express Platinum: Worldwide Travel Insurance provides cover for the Cardmember and Supplementary Cardmember, their respective partners and dependent children under the age of 25, whether travelling together or travelling alone on business and leisure trips of up to 90 days.The annual fee is £575 though......but you also get Airport Lounge Access, Global Dining Statement Credits, Harvey Nichols shopping statement credits up to £100
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