What's the best credit card for reward on shopping and groceries?
Posted by Melodic-Trap@reddit | AskUK | View on Reddit | 9 comments
Hi all,
I used to have the Amex Platinum but didn’t get much value from it and found it a bit of a pain to manage (especially setting up direct debit), so I stopped using it.
Now I’m looking for a credit card in the UK that gives points or cashback on everyday shopping, but:
No annual fee
Good for groceries, Amazon, and general spending
I always pay off my balance in full, so I just want to get something back from my normal spending.
I’ve seen things like the Amazon Barclaycard or the HSBC Rewards card, but not sure what’s actually worth getting.
Any recommendations?
Thanks!
ProfessorYaffle1@reddit
As you pay off in full, have you consodered debit rather than credit? Chase offer rwrds by way of cashback - you have to qualify by having a total of £1,500 paid into the account each month to qualify for the following month but it can be paid in from another account and trasnferred striaght out again, you don't have to ave any regualar bills or DDs going out of the acccount and there are no fees. I normally rtnasfer £1,500 in the day after I get paid and tranasfer it striaght back out.
You get 1% up to a maximum of £15 month . You can also chose to round up where payments you make are rounded up to the nearest whole ound with the exra going into your rewards account which payd 5% interest
bishibashi@reddit
I have the no fee rewards Amex and an Avios Barclaycard. Can’t be bothered to chop and change every 6 months, but this combo usually get me enough Avios for either 4x return flights to Europe for family summer holidays or 2x business class return to Europe for a grown up city break. Sometimes both.
lavayuki@reddit
Barclaycard is pretty good
Polz34@reddit
My sister in law loves the Asda credit card as they do their weekly shop with them so she says it works out really well for saving money on groceries.
YetAnotherInterneter@reddit
Everything you need to know is here:
https://www.moneysavingexpert.com/credit-cards/best-credit-card-rewards/
tmr89@reddit
Chase does cash back on groceries and public transport
Which_Yam_7750@reddit
You could set up a current account purely for groceries. Chase offers cash back on their debit card.
LentilRice@reddit
I just use Amex cash back. It’s free and as the name says, gives cash back.
What was the challenge with setting up the direct debit btw? It was straightforward for me and Amex customer service are a delight to deal with.
You could also look at John Lewis credit card or Lloyds cash back (Master) credit card.
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