The best credit cards 率d: Our 選ぶ of the 最高の，を越す 取引，協定s for cashback, rewards, （疑いを）晴らすing 負債, 航空機による points and travelling abroad
- We 選ぶ the best credit cards for cashback, （疑いを）晴らすing 負債 and 航空機による points
- We also select the best 蓄える／店 cards and best credit cards for using abroad
- If used 正確に, credit cards can both earn and save you money?
- We also run the 支配する over 料金s and 告発（する），告訴（する）／料金s that kick in when special 申し込む／申し出s end?
The best credit cards can help you 上げる your credit 得点する／非難する／２０, （疑いを）晴らす your 負債s faster, spread the cost of an expensive 購入（する） and even earn a tidy sum in 航空機による points or cashback.
選ぶ the wrong one, however, or fail to manage it 正確に, and you can be left with a hefty 法案 and a credit 率ing in tatters.
So whether you are looking for cashback on your everyday spending, points to put に向かって your next flight, an 利益／興味-解放する／自由な balance 移転 to help （疑いを）晴らす 負債s, or a card that doesn't 告発（する），告訴（する）／料金 you for usage abroad, the 権利 credit card could be a game-changer.
This is Money has scoured the market and 選ぶd out the best credit card 取引，協定s to help you make the most of your money.
Choosing the 権利 credit card can make a meaningful difference to your spending 力／強力にする and your ability to 予算. Just remember to 支払う／賃金 it off each month to 避ける 告発（する），告訴（する）／料金s?
We have chosen these cards because we think that they 申し込む／申し出 something that makes them stand out from the （人が）群がる.?
While they may not always have the 絶対の lowest 率 or the longest special 申し込む／申し出, our 独立した・無所属 研究 has shown that they 代表する a good 取引，協定.
Best for cashback
Credit Card: American 表明する Platinum cashback everyday credit card??
Perks:?There is no 月毎の or 年次の 告発（する），告訴（する）／料金 on this card.
It gives 5 per cent cashback on all spending for the first three months of card 会員の地位, up to a 最大限 of £100.
Each year thereafter, you'll receive 0.5 per cent cashback when spending up to £10,000 and 1 per cent cash 支援する on everything you spend after that.?
As long as you spend a 最小限 of £3,000 in each given year, every 十分な £1 you spend on 購入（する）s qualifies for cashback.
There is also a 言及する a friend 申し込む／申し出. The person who does the referring earns £20 cashback whilst the person who is referred gets £10 cashback for the first £1 they spend. The 限界 for referral 収入s is 始める，決める at £150 a year.?
警告:?If you fail to 支払う／賃金 it of f each month you’ll be 攻撃する，衝突する with a 29.4 per cent 購入（する） 率.
In 新規加入, some UK retailers don't 受託する Amex 予定 to the fact that it 告発（する），告訴（する）／料金s them around 3 per cent for each sale they make.?
存在 aware of where you can and can't use your American 表明する card is important - you can find out the places that 受託する Amex here.
There are now very few major chains that don't 受託する it. You are more likely to have an 問題／発行する when in smaller shops throughout the UK.
The American 表明する Platinum cashback everyday credit card 現在／一般に 申し込む／申し出s 5% cashback on any 購入（する）s for the first three months of card 会員の地位, up to a 限界 of £100
Credit card: American 表明する Platinum cashback credit card
Perks:?Another 申し込む／申し出ing from American 表明する, this card 支払う／賃金s 0.75 per cent cashback on spending up to £10,000 and 1.25 per cent for everything over that 量 in a given year.
Like the 'everyday' card 詳細（に述べる）d above, it 申し込む／申し出s 5 per cent cashback for the first three months - but with a higher 限界 of £125.
There is also a 言及する a friend 申し込む／申し出. The person who does the referring earns £30 cashback whilst the person who is referred gets £25 cashback for the first £1 they spend. The 限界 for referral 収入s is 始める，決める at £150 a year.??
警告: This card comes with a £25 年次の 告発（する），告訴（する）／料金.?
If you fail to 支払う／賃金 it off each month you’ll be 攻撃する，衝突する with a 29.4 per cent 購入（する） 率.
As について言及するd above, Amex is not 受託するd in all 蓄える／店s. But this is 改善するing.
判決: If you're not a big spender and are 用心深い of 支払う／賃金ing any 年次の 告発（する），告訴（する）／料金 then Amex's 解放する／自由な cashback 'everyday' credit card might be best for you.
However, for those who 推定する／予想する to spend in 超過 of £10,000, the 料金-支払う／賃金ing 選択 will 最終的に 証明する more lucrative - 特に if you take 十分な advantage of the introductory three month 申し込む／申し出.?
Best for たびたび（訪れる） flyers
Your choice of rewards card will 大部分は depend on which 航空機によるs you prefer to use, because a combination of credit card and たびたび（訪れる） flyer points will 産する／生じる the best 割引s.?
Credit Card:?British 航空路s American 表明する 賞与金 加える Card
Perks:?The major （人が）群がる pleaser on this card is a 解放する／自由な companion ticket on one flight 調書をとる／予約するd with your Avios points. Card 支えるもの／所有者s are 適格の for this if they spend more than £10,000 a year.?
It means you can get two seats for the Avios points of one - although you still have to foot the 法案 for 税金s, 料金s and 告発（する），告訴（する）／料金s on the '解放する／自由な' seat.?
Sky-high rewards: You can earn Avios points with your own 空気／公表する miles when 飛行機で行くing with the likes of British 航空路s, Aer Lingus and Iberia, and 上げる them with the BA Amex card
The 調印する-up 特別手当s are good, too. At the moment you get 25,000 特別手当 Avios when you spend £3,000 in your first three months of 会員の地位.
There is also an 付加 referral 特別手当 on 申し込む／申し出. For every person you 首尾よく 言及する to the card you will earn 9,000 Avios. By referrals alone you could accrue up to 90,000 points in a given year.
によれば Amex, 90,000 points is enough for an off-頂点（に達する） return Economy flight to Sydney.?
一方／合間, 30,000 Avios is enough for a 商売／仕事 class off-頂点（に達する） return flight from London to 目的地s 含むing Amsterdam, Geneva and Milan, 加える £1 per person.
Cardholders can get (a)自動的な／(n)自動拳銃 enrolment to the British 航空路s (n)役員／(a)執行力のある Club, which 含むs 優先 on 代替要員，物 waiting 名簿（に載せる）／表（にあげる）s, 24/7 support when traveling outside the UK through 全世界の 補助装置, and travel 事故 保険 of up to £75,000 on public 輸送（する） when 調書をとる／予約するd with their Amex card.
You get 1.5 Avios points for every £1 you spend and you also get 3 Avios points for every £1 you spend with British 航空路s or BA holidays.
によれば British 航空路s, you can 調書をとる／予約する a Reward Flight starting at just £1 and 18,500 Avios, or you can 減ずる the cash price of your flight with as little as 1,000 Avios.??
It will really depend on how far you are ーするつもりであるing to travel though. A Reward flight to North America for example starts from £100 and 50,000 Avios.?
You can also get a two-for-one Companion 保証人／証拠物件 when you spend £10,000 each 会員の地位 year on the Card, which you can use to take a companion with you.
Companion 保証人／証拠物件s can only be redeemed on 利用できる reward flights.?
警告:?It's 価値（がある） 耐えるing in mind the number of Avios 要求するd jumps around depending on 頂点（に達する） and off 頂点（に達する） dates, the 航空機による you 飛行機で行く with and how much cash you want to put に向かって it.
More importantly however, this card comes with a hefty £250 年次の 料金.
Remember to 支払う／賃金 it off each month or you will 直面する a 29.4 per cent 購入（する） 率.?
判決: If you are a big spender and a たびたび（訪れる） flyer, this card is one of the most lucrative 取引，協定s on the market.??
But if you don't want to 支払う／賃金 an 年次の 料金, there is a 解放する／自由な 代案／選択肢 in the British 航空路s American 表明する card.?
The 調印する-up perk for this card is much いっそう少なく generous. Only 5,000 BA Avios points after you spend £1,000 in the first six months.??
Credit card: Barclaycard Avios 加える Mastercard?
Perks: Those who qualify for the Ba rclaycard Avios 加える Mastercard can 捕らえる、獲得する themselves a 調印する-up 特別手当 of 50,000 Avios points until 30 May 2023.
After that the 調印する-up 特別手当 returns to a more normal 25,000 Avios?
To qualify, new cardmembers need to spend £3,000 within the first three months.
On 最高の，を越す of the introductory 申し込む／申し出, cardmembers will collect 1.5 Avios for every £1 spent on 適格の 購入（する）s.
Those who spend £10,000 on the card within 12 months can also choose between a British 航空路s cabin 昇格 保証人／証拠物件 to use on a Avios Reward Flight 調書をとる／予約するing, or 7,000 特別手当 Avios.
略奪する Burgess - editor of website 長，率いる for Points - says that Barclaycard's two Avios mastercards are the most rewarding 非，不，無-Amex travel credit cards on the market and arguably the most 価値のある ビザ or Mastercard credit card in the UK.
It also gives 接近 to over 1,000 airport lounges 世界的な at a 割引d 率 of £18.50 per lounge pass, per person and also up to five months of Apple TV+, Apple Music, Apple Fitness+, Apple News+ and Apple Arcade for 解放する／自由な.?
警告: The card won't be for everyone, however. 存在するing cardmembers are not 適格の while the card also comes with a £20 月毎の 料金, which may put some people off.
Anyone who 以前 取り消すd a Barclaycard Avios credit card in the past will be 適格の as long as there has been a 24 month gap.
Those who have had any other Barclaycard will be 適格の only if they have 取り消すd their 非，不，無-Avios Barclaycard more than six months ago.
判決: If you don't want to 支払う／賃金 any 料金 at all, there is also a special 申し込む／申し出 of 10,000 Avios on the 解放する／自由な Barclaycard Avios Mastercard, for those who spend £1,000 in three months.
Anything else?
For those who are たびたび（訪れる） flyers on Virgin 大西洋 it may be 価値（がある） checking out the Virgin 大西洋 Reward+ Credit Card.
You can earn 15,000 特別手当 Virgin Points?if you make a 購入（する） using your Reward + Credit Card in the first 90 days. There’s no 最小限 spend.
Earn 1.5 Virgin Points for every £1 you spend on everyday card 購入（する）s. And 3 points for every £1 you spend with Virgin 大西洋 or Virgin Holidays.
The card does come with a £160 年次の 料金 however and a 26.9 per cent 購入（する） 率 if the balance isn't paid off each month.
You can find out more about the Virgin Rewards 計画／陰謀 here. For the 解放する／自由な 代案／選択肢 there is also the?Virgin 大西洋 Reward Credit Card.
Best for overseas spending
Credit card: Halifax Clarity credit card
Perks:?This card has no extra 告発（する），告訴（する）／料金s for spending abroad, and it 告発（する），告訴（する）／料金s low 利益／興味 when 身を引くing cash anywhere in the world.
Any money spent abroad will be 始める，決める by the Mastercard 交流 率 on that day.?
There is also £20 cashback on 申し込む／申し出 for the first 購入（する） made within 90 days of account 開始, with cashback paid within 180 days of 処理／取引 存在 made.
加える it's a Mastercard, which means 転換 率s are much better, whilst Section 75 保護 適用するs to overseas 処理／取引s too.?
This means the card provider 保護するs 購入（する）s over £100 解放する／自由な of 告発（する），告訴（する）／料金 (and under £30k 支配する to your 権利s under CCA).
A specialist travel credit card won't 告発（する），告訴（する）／料金 you extra for spending abroad
