Cashback cards

[iheartarbitrage]

Whilst not the usual HfP fodder, it’s worth not being blinkered into thinking that points are always the best option.

Platinum Cashback Everyday Credit Card – Free
-Receive 0.5% cashback on spend up to £10,000
-Receive 1% cashback on spend above £10,000

Platinum Cashback Credit Card – £25 annual fee
-Receive 0.75% cashback on spend up to £10,000
-Receive 1.25% cashback on spend above £10,000

Lloyds Bank Cashback credit card – Free
– Earn 0.25% cashback on your first £4,000 of purchases per calendar year.
– Earn 0.5% cashback on further purchases once you’ve made over £4,000 of purchases per calendar year.

Chase Debit Card – Free
Get 1% cashback on your everyday spending

[Rhys]

We do cover them! https://hfp2022.headforpoints.blog/2021/04/04/are-the-best-uk-cashback-credit-cards-a-good-alternative-to-miles-and-points-cards/

[Youllnever]

You should add a note that the Chase debit card cashback is only available for your first 12 months.

[rams]

Santander is 0.5% cash back but £3 per month.

[Steven]

You have Vitality as well but need to have a policy with them to qualify for the card.

[The Urbanite]

Barclaycard Rewards also pays 0.25%.

For those who spend on behalf of a business, there are a few cards that offer 1% cashback – Barclaycard Select Cashback, Capital on Tap and Santander. Jeeves also worth a look – fintech firm offering up to 4%.

[cinereus]

1.25% on the Amex cashback very often beats points.

You’ve missed a few other cards:

RBS
Santander
PayPal Business
Barclaycard Rewards

Almost-cashback:
John Lewis
Sainsbury
Tesco

I think there’s also some Amazon cashback cards.

[iheartarbitrage]

Youllnever wrote:

You should add a note that the Chase debit card cashback is only available for your first 12 months.

If there was an edit button I would…

[ChasP]

As Rob has noted the BA (or even better the BAPP) Avios converted to Nectar points is as good as cash (sainsburys, Argos or Ebay ) and beats most of the above

[AlexP]

The Chase card also has 3% cash back on Amazon between now and the end of the year – quite worrying how much it turns out we spend at Amazon when it all gets aggregated together!

[SteveJ]

Yes but there are still places that don’t take Amex, so a good non Amex in the wallet is always a good idea.

[iheartarbitrage]

Not so much, some of us like our cash to work at more than a handful of retailers.

At best the BAPP is 1.2% cashback, but then you’ve got to pay £250 for the card.

[Andrew.]

For NHS Staff or members of a Union, there’s also the Ode/Spree card.

7% Argos, 2.5% Asda, 5% Boots, 5% John Lewis, 3% M&S, 4.5% Primark, 3% Sainsbury, 3% Waitrose, 6% Waterstones, 5% Wilko

Just have to be careful to use the right card at the right time as often you may be better off using an MBNA Card that’s registered with Airtime.

[QFFlyer]

Speaking of MBNA, the Horizon cards, 0.5% (1% until end Dec) cashback and no fees for anything (pretty much).

I know these aren’t available to new applicants, but a lot of people presumably still have them.

[cinereus]

ChasP wrote:

As Rob has noted the BA (or even better the BAPP) Avios converted to Nectar points is as good as cash (sainsburys, Argos or Ebay ) and beats most of the above

Why would you ever use a 1.2% Amex when you can use a 1.25% Amex?

[iheartarbitrage]

cinereus wrote:

ChasP wrote:

As Rob has noted the BA (or even better the BAPP) Avios converted to Nectar points is as good as cash (sainsburys, Argos or Ebay ) and beats most of the above

Why would you ever use a 1.2% Amex when you can use a 1.25% Amex?

And save £225 in annual fees.

[Youllnever]

For the 241 voucher no? Isn’t that the whole point of the BAPP card? The earning rate is only the cherry on top. However yes, if you’re not planning to earn the voucher and use your Avios for it then there’s no point getting the BAPP.

• This reply was modified 3 years, 4 months ago by Youllnever.

[nw8727]

A question regarding the Amex cashback cards, does holding one mean it voids a ‘2-year’ break for bonus points offers?