Cash Back Credit Cards

[Moanranger]

Hi,
Looking at these but the best seem to be various version of Amex. My understanding is that a lot of places do not take American Express. Does this put the kibosh on Amex? I use my CC for most expenditure, clear it every month & use statements for budgeting.
Any advice gratefully received.

Depends how much effort you’re prepared to go to. Nothing to stop you having an Amex for things that take Amex and a cashback Visa/MasterCard for those that don’t. Personally I CBA.

Haven’t spotted any Visa/MC cashback cards

I had an Amex card for years and used it for most purchases over £50 and I woukd say well over 95% of places accepted it. Occasionally a random store or tiny retailer wouldn’t but nothing regular. I also came accross a higher admin charge fir cc purchases with Amex once or twice but that was very rare

I have an Amex cashback card, and then a Tandem MasterCard card for places that don't take Amex - you get 0.5% cash back with this. It's also useful for purchases abroad as there's no transaction fee.

Here’s the MSE list.
www.moneysavingexpert.com/credit-cards/best-credit-card-rewards/
www.moneysavingexpert.com/credit-cards/cashback-credit-cards/
Tandem pays cash, the shop cards pay vouchers for that shop (or Nectar points) which are almost as good as cash if it’s for a shop you’d use for food shopping.

Update: I got the Amex Platinum. I put around £1500 per month on it, so I should get a fair amount of cash back, tho they only pay out annually.
I was using a Barclaycard which gave you points towards stuff, but the only rewards I ever used were Cineworld vouchers. Probably redeemed around 12 a year, which would normally cost around £140. However, I can go to cheaper cinemas and watch the same films. No brainier. Thanks for the advice.