Best credit card rewards

[moneywatchingmum]

We are re-thinking which card to use. Currently have a John Lewis Partnership card ( Mastercard.) The rewards are 1p for every £. We pay is off every month and our last annual spend on the card was £27K. (Most of our expenditure goes on it and it's cleared so we don't pay interest.)

The only rewards we get are about £250 a year in J Lewis vouchers.

Anyone got any ideas of what is better?

I have a Barclaycard Freedom Rewards card. You get 1-3 points for every £1 depending on whether it's a partner or not and you can then get vouchers for anything from days out to shopping.

I moved onto it from a store card similar to what you have now and I've just recently claimed a £100 amazon voucher with my points so well worth it.

Santander do a 1-2-3 credit card which pays different percentage cashback for different shopping.

www.santander-products.co.uk/credit-cards/partner?gclid=CNOAhZvowMMCFcjHtAodEnsAuw

I haven't got one but do have the matching current account which does the same for different household bills (phone, utilities etc) plus interest (3% on £3k-£20k) on your daily balance. There's a £2 monthly charge for it but it's easy to get a lot more than that back.

www.santander.co.uk/uk/current-accounts/123-current-account/

I tried a Santander card (I have a matching current account that pays me about £30 a month cashback, and my offset mortgage with them). However, despite my healthy income and the £70k I have offset against my hefty mortgage with them, they only gave me a credit limit of £500!

So no use to me at all - we also put nearly all expenditure on joint account cards which are paid in full every month, so about £2k a month, and loads more at some points in the year, ie. this month got £65 cashback just on my annual season ticket purchase. I have been getting 2% back on Barclaycard after a successful complaint about their cocked-up transfer from Mastercard to American Express/Visa, but they've put me back down to standard rate now.

Amex usually have the best rewards, but isn't accepted everywhere, so you need a Mastercard/Visa as back-up.

Oh yes, we also had the infuriating Barclaycard switch from Mastercard to Visa/Amex (following the original infuriating switch from Egg to Barclaycard. Ing account has gone to Barclays too. Can't get away from them). I was v pissed off about that but didn't complain, wish I had! We still manage to put most things through on the Amex one though. (We also have an actual Amex platinum card but after the initial high return haven't really bothered with it)

I haven't applied for the Santander 1-2-3 credit card, mainly because it's DH who buys most of the fuel & he struggles with 2 cards, never mind 3 (Tesco) or 4 . We have a Santander Zero card for currency transactions though, & also do quite well out of the current account.

We have a british airways American express it works well giving us air miles and hence free flights abroad at least once a year, if not more. The down side is not everywhere takes it. Excellent customer service too.