Which is best credit card for cash back or points?

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Feeling really stupid that we haven't done this before.

Can anyone advise the best one please (we shop with Sainsburys).

Thanks

Hi. Definitely get an American Express Nect Credit Card. You get points every time you use the credit card. So even if you shop in Tesco or another supermarket you earn your nectar points. I easily collect thousands of points by paying for my diesel on my Am Ex Credit Card. Contact Nectar or have a look on their website. American Express: www.americanexpress.co.uk 24 hour customer service tel 0845 600 5210.

You can pay your bills on online and can receive the bills online too. that way the statement coming in from America can't get lost in the post. I manage my AM EX account online and it's easy to use.

kerry

i'm a member of the co-ooperative (it doesn't cost anything) and you can get a members credit card and this gives cashback at 1p in every £2 and 1p in £1 in cooop food shops. i don't know how that compares to other cashback deals though. we only just started it but a few pounds a month is better than nothing if you pay your bills off in full each month, isn't it?

Thanks, I'll have a look at both.

i don't know if they still offer the card to new applicants but I have a barclaycard which pays 2% cashback for Supermarket and petrol shopping and 0.5% on other purchases.

Hi

If you shop at Sainsburys a great cashback is the Utility Warehouse CashBack card. If you have one of your utilities with them (they guarantee to be cheaper than British Gas I think) you can apply for a card which gives you a 5% rebate on your shopping at sainsburys (including petrol!) and about 20 other high street chains - Boots, Argos, Comet, TopShop etc. The 5% saving is deducted from your utility bill each month so although you don't directly get the cash you can make a great saving on your bills each month which is just as good. I think their website is www.utilitywarehouse.com (or.co.uk?)

I've got a Tesco's one. It earns Clubcard points which can then be exchanged for Deals where the clubcard vouchers are worth 4x the face value.

New Tesco cards only give 1 point per £4 for spending outside Tesco (= 1% in Deals) - spending in Tesco gets 5 points per £4 (= 5% in Deals). The original cards had a much better rate.

egg gives 1% cashback

amex is supposed to be good I think

Check out moneysavingexpert

Oh, I think egg have changed their terms too so ignore that.

I have a tescos one for my tesco shopping and have just applied for a andmore one for my m&s shopping.
Tesco gives 5 points per £4 spent in store and 1 point per £4 spent outside and andmore give 1 point per £1 in store and 1 point per £2 outside.

This works well for me as I put everything on my credit card and pay off at the end of the month. And I have an offset mortgage so the money sits in the account offsetting all month...

Thanks all.

We put eveything through our John Lewis credit card and every few months they send us lots of John lewis vouchers!

we use M&S - put everything on it and pay off in full each month.

every quarter or so get (unsurprisingly) M&S vouchers.

i get 0.5% cashback on my smile credit card. not a fortune i know, and it is credited every month, so it never really mounts up, but if you bought everything on your credit card you could get a fair bit, i suppose, and it is hard cash, not vouchers, which i think is a bonus. and it is free money however you look at it.

For Sainsburys you can't beat this card. It gives you 3% cashback on everything, including petrol

www.utilitywarehouse.co.uk/cashback/intro/?exref=804424

Halifax pay you £5 a month to use their card (think it's as long as you spend £300 ? not sure of exact amount as it's not a difficult amount to achieve once you've paid your supermarket bill and your petrol each month!)

We put nearly everything on a John Lewis credit card and regularly get a nice chunk of vouchers from them. We usually use the vouchers on a Waitrose shop.