Best Spending Card to back up Amex Cashback?
Posted: Wed Jan 20, 2016 5:55 pm
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 ?
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 ?