Found 16th Oct 2016
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.

11 Comments

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.

I always find uswitch helpful for things like this:

uswitch.com/cre…ds/

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

Original Poster

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 … It all depends on a number of factors.1. How good is your credit score now ? This will affect what cards you are eligible for2. What incentives are you interested in? Cashback/airmiles/Necar or Tesco clubcard points/holidays3. 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.

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.

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" 16th Oct 2016

rogparki

If its to improve your credit score one from your bank could be the best … 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

Edited by: "rogparki" 16th Oct 2016

Original Poster

tinkerbellian

Aqua with 0.5% cashback on purchases if your credit rating is a little … 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.

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

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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