having a bit of a swap around at the moment..just moved debt from a Barclaycard Freedom Rewards card to a combination of Lloyds, MBNA and Nationwide...overpaying and bagging the overpayment into my stoozepot in the process.
the Lloyds and Nationwide cards need to be cleared by the time their 0% deals end, in 13 and 12 months respectively [Lloyds i'll be testing..to see if i can get them to revert back to the 20 month deal that i applied for]. so i want to retain my Barclaycard, with a good limit, on the basis that it could be a good home for that debt early in 2017.
but i need a Spending Card to back up Amex Cashback in the few places that don't accept Amex. could just use Freedom Rewards, but the scheme seems a bit naff to me. seen on MSE today that it equates to 0.3% cashback. i could use the Nationwide card, which pays 0.5%...but would have to clear some of the small balance on it to make some space [unless they increase my limit, as i've requested]. or i could ask Barclaycard to morph Freedom Rewards into Cashback Amex/Visa, cut up the Amex, and use the Visa as my backup. or see if they will morph it into an HHonors card...which i did quite like in the past. or i could look for something completely different.
ideas ?
Best Spending Card to back up Amex Cashback?
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Re: Best Spending Card to back up Amex Cashback?
I'm using my Nationwide Select (0.5%), unless I expect to spend over £300pcm on VISA in which case I'll use my Halifax Clarity Rewards (£5 flat rate). If you can get the Barclaycard Cashback duo, that could be a good option keeping the extra AMEX to use with their lucrative exclusive offers.
Re: Best Spending Card to back up Amex Cashback?
ah yes, there could be a benefit in retaining that BCAmex afterall.. good thinking Sarah.
from what i've read, i think moving to BC Cashback ought to be possible.
i quite fancy HHonors, but i don't think that is likely to be transferred in to. according to rewards calculator at MSE it works out to 1.8% 'cashback', which is good, and it's nice to get upgrades etc. if they tell me to close and reapply i'm putting a 37.5CL on the block though
any thoughts as to whether repeat deals for BTs are going to be less likely on a Cashback account with Barclaycard?
from what i've read, i think moving to BC Cashback ought to be possible.
i quite fancy HHonors, but i don't think that is likely to be transferred in to. according to rewards calculator at MSE it works out to 1.8% 'cashback', which is good, and it's nice to get upgrades etc. if they tell me to close and reapply i'm putting a 37.5CL on the block though
any thoughts as to whether repeat deals for BTs are going to be less likely on a Cashback account with Barclaycard?
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Re: Best Spending Card to back up Amex Cashback?
I have an ASDA card which pays 1% cashback at Asda and 0.5% everywhere else. I pay my balance off each month using my Nationwide Select Card which pays 0.5% cashback.
I still have 9 months interest free remaining on my select card, I've tried to get the credit limit increased using their website but was unsuccessful.
I still have 9 months interest free remaining on my select card, I've tried to get the credit limit increased using their website but was unsuccessful.
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Re: Best Spending Card to back up Amex Cashback?
Yes you do, just had to double check my nationwide statement.
Only used my nationwide card once last month to pay £100 off my Asda card and I have received 50p cashback on my nationwide account.
On the Asda website, the make a payment button has the option to pay by card and on the drop down there is Mastercard and VISA/Debit.
Only used my nationwide card once last month to pay £100 off my Asda card and I have received 50p cashback on my nationwide account.
On the Asda website, the make a payment button has the option to pay by card and on the drop down there is Mastercard and VISA/Debit.
Re: Best Spending Card to back up Amex Cashback?
I have changed to Barclaycard Cashback today.. As an Amex backup. But StringyBobs revelation is far more important.. Being able to double up on Cashback/Rewards is something special.
Re: Best Spending Card to back up Amex Cashback?
Does paying the Asda card with nationwide get treated as a cash withdrawal though?
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Re: Best Spending Card to back up Amex Cashback?
It doesn't appear to be treated as a cash advance unless it appears on my next statement.
Here are the details from my January statement dated 14th.
4/1/2016 Sygma Online Payment Solihull Amount £100
Cash reward accrued this month £0.50
Under Interest Summary
Cash Advance APR 27.9% Interest Amount £0.00
Here are the details from my January statement dated 14th.
4/1/2016 Sygma Online Payment Solihull Amount £100
Cash reward accrued this month £0.50
Under Interest Summary
Cash Advance APR 27.9% Interest Amount £0.00
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