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Credit card help

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I'm looking to get a credit card to boost my credit score. I intend to pay off the balance in full each month with direct debit, so I don't really mind what the purchase interest % or APR is. But I'…
SeraphXii Avatar
4m, 1w agoPosted 4 months, 1 week ago
I'm looking to get a credit card to boost my credit score.
I intend to pay off the balance in full each month with direct debit, so I don't really mind what the purchase interest % or APR is.
But I'd like to make the best use of any potential bonuses.

Can anybody recommend credit cards with good incentives or cashback? Without an annual fee.
SeraphXii Avatar
4m, 1w agoPosted 4 months, 1 week ago
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(11) Jump to unreadPost an answer
Responses/page:
#1
check mse, aqua do a 0.5 PC cash back card, or Barclaycard rewards, I don't think you have any chance of getting a amex.
#2
I always find uswitch helpful for things like this:

https://www.uswitch.com/credit-cards/cashback-credit-cards/
#3
It all depends on a number of factors.

1. How good is your credit score now ?
This will affect what cards you are eligible for

2. What incentives are you interested in?
Cashback/airmiles/Necar or Tesco clubcard points/holidays

3. How much are you wanting to spend over a year?
This can afect whether you will receive sign up bonuses, some e.g Amex gold require a 3k spend to earn miles
#4
The £20 incentive and 0.5% cashback on the Aqua card looks interesting.


ROBMCDOUGAL90
It all depends on a number of factors.
1. How good is your credit score now ?
This will affect what cards you are eligible for
2. What incentives are you interested in?
Cashback/airmiles/Necar or Tesco clubcard points/holidays
3. How much are you wanting to spend over a year?
This can afect whether you will receive sign up bonuses, some e.g Amex gold require a 3k spend to earn miles
From a free credit check, "4/5 stars" apparently. So I seem to generally have decent credit. As for incentives, cash back in general or grocery points like clubcard rewards would be good. Or a sign up incentive.
It's hard to so how much I'd spend on it over a year, but cards such as the American express, which requires a minimum of £3,000 spending within a set period for the cash back is something I'd probably want to avoid.
#5
Aqua with 0.5% cashback on purchases if your credit rating is a little low, or depending on how much you spend in a year you might be better off getting £40.80 initial cashback via topcashback with an AA card ( this ends today) , they have other cashback offers on other cards as well though.
#6
http://www.moneysavingexpert.com/credit-cards/

Very good guide, which includes an eligibility checker
#7
If its to improve your credit score one from your bank could be the best (as you are unlikely to be refused ). Nationwide , Barclays , Lloyds , TSB etc all do them . Remember aiming too high and getting a refused application would impact your credit rating negatively .

On credit ratings - the easiest way to improve it is by ensuring you are currently on the Electoral Register . Only a week ago on here members thought they were being so clever - don't register , I wouldn't register , the polls gestapo etc . All very humorous for idiots , but not being on the electoral roll can drastically effect your credit rating .

Edited By: rogparki on Oct 16, 2016 21:44
#8
rogparki
If its to improve your credit score one from your bank could be the best (as you are unlikely to be refused ). Nationwide , Barclays , Lloyds , TSB etc all do them . Remember aiming too high and getting a refused application would impact your credit rating negatively .
On credit ratings - the easiest way to improve it is by ensuring you are currently on the Electoral Register . Only a week ago on here members thought they were being so clever - don't register , I wouldn't register , the polls gestapo etc . All very humorous for idiots , but not being on the electoral roll can drastically effect your credit rating .
Sorry anonymous "down voter" its a fact ! Not being on the electoral register downgrades your credit rating by up to 30% . Now instead of being an anonymous downvoter why not put your views on the thread- if you have the bottle ? so we can all laugh at your misconceptions ? We love idiots on here :D


Edited By: rogparki on Oct 16, 2016 22:00: add
#9
tinkerbellian
Aqua with 0.5% cashback on purchases if your credit rating is a little low, or depending on how much you spend in a year you might be better off getting £40.80 initial cashback via topcashback with an AA card ( this ends today) , they have other cashback offers on other cards as well though.

I completely forgot about checking cash back sites. Although Topcashback isn't loading for me at the moment.
#10
If you go on moneysavingexpert.com they have an eligibility checker, that will tell you the which cards you will be accepted for with out it showing on your credit file, it's called a soft search. As the more cards you apply for with affect your credit score
#11
Join Experian's new Credit Score Free for Life service. It looks at your score and matches the likelihood of getting various loans, mortgages and credit cards. You can also choose what type of card you are looking for e.g. Credit boosting card, cash back card, balance transfer cards etc. This search does not affect your credit rating either. A very good FREE service from a trusted and safe site.

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