Best credit cards 率d: 最高の，を越す for cashback, rewards and （疑いを）晴らすing 負債

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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?

Updated: 15:50 BST, 26 May 2023

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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.??

Do you need to （疑いを）晴らす存在するing 負債?

Before you think about 調印 up for a new card to use for spending, you should make sure that your 存在するing 負債s are in order.?

If you've racked up a 負担 of 負債 and have decided to make a fresh start on 取り組むing it, 無 per cent balance 移転 cards could be the way to go.

Moving your 負債 to an 利益／興味-解放する／自由な card means that you can 凍結する the size of your 負債, rather than continually playing catch-up as 利益／興味 piles up.

Make sure you stick to the 支配するs and （疑いを）晴らす your 負債 within the time period, さもなければ you could be 攻撃する，衝突する with 高金利s.?

The 推論する／理由 credit card 会社／堅いs 申し込む／申し出利益／興味-解放する／自由な periods is because they manage to catch so many people out.?

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

There is also no 年次の料金 - so there are 無 extra costs as long as you 支払う／賃金 off your balance in 十分な every month.

警告: You will begin 支払う／賃金ing 利益／興味 if you make cash 撤退s. This equates to about 7p per ￡100 per day ? so 価値（がある） trying to minimise these.

利益／興味 is also 告発（する），告訴（する）／料金d すぐに at the card's 基準率 of 22.9 per cent on spend abroad or in the UK. You can minimise the cost by 返すing in 十分な as soon as possible.

To 避ける存在告発（する），告訴（する）／料金d 利益／興味 on spending you'll need to 確実にする you 支払う／賃金 off the card balance in 十分な each month.

ATM cash 撤退s are 確認するd at the 始める，決める量 28.94 per cent.

You may be 告発（する），告訴（する）／料金d ￡12 if you 支払う／賃金 your balance late, have a 支払い（額） returned or go over your 限界.

Credit card:?Barclaycard Rewards?

Perks:?There is no 年次の告発（する），告訴（する）／料金 and no 料金s when using the card abroad, and you’ll be able to 身を引く cash from an ATM without any 告発（する），告訴（する）／料金s.

The card comes with 0.25 per cent cashback on your everyday spending.

Dream holiday: A specialist travel credit card won't 告発（する），告訴（する）／料金 you extra for spending abroad?

You can also get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for 解放する／自由な, with your new Barclaycard - although this continues as a paid subscription after 裁判，公判.

警告: Remember to 支払う／賃金 it off in 十分な each month or you'll be stung with a 25.9 per cent 購入（する）率.?

Best for Balance 移転s

Credit card: Virgin Money?31 month balance 移転 card

Perks: This card 申し込む／申し出s the longest 0 per cent 利益／興味 period of any balance 移転 card 現在／一般に on the market.

There is also 0 per cent 利益／興味 on 購入（する）s for 3 months from account 開始 and no 月毎の account 料金.

警告:?The card does come with a hefty balance 移転料金 of 3.5 per cent. That would equate to ￡3.50 on every ￡100 transferred.

After the 0 per cent period the APR rises to 23.9 per cent.

Credit card:?NatWest or RBS?30 month balance 移転 card

Perks:?0 per cent 利益／興味 on balance 移転s for 30 months from account 開始.

There is also 0 per cent 利益／興味 on 購入（する）s for 3 months from account 開始 and no 月毎の account 料金.

警告:?There is a 移転料金 of 2.99 per cent and the 最小限移転 you can make is ￡100.?

After the 0 per cent period the APR rises to 23.9 per cent.

Credit card: NatWest Balance 移転 Card for 19 months

Perks:?This is the longest 料金解放する／自由な選択, 申し込む／申し出ing?0 per cent 利益／興味 on balance 移転s for up to 19 months.

This 申し込む／申し出 is 利用できる on 購入（する）s made and paid off in 十分な in the first 3 months of 開始 your account.

警告:?The 最小限 balance 移転量 is ￡100.?Balances 移転s must be made within 3 months of account 開始.

After the 0 per cent period the APR rises to 23.9 per cent.

Credit cards 申し込む／申し出 a host of rewards - 含むing points that can be used に向かって flights

判決: Virgin Money 31 month balance 移転 card's 申し込む／申し出 is the best for those needing the longest time period possible.

However, for those who don’t 要求する such a long period of time it might be sensible to 選ぶ for NatWest's 19 month 0 per cent card. This is the longest period on 申し込む／申し出 without a balance 移転料金含むd.

Best rewards cards for supermarkets

蓄える／店 card 会員の地位:?Tesco Clubcard 加える

Perks:?If you subscribe to Clubcard 加える you get 10 per cent?off your groceries in-蓄える／店, twice a month, 同様に as 10 per cent off F&F all the time.

Collect 1 point for every ￡1 you spend in-蓄える／店 and online. On 燃料, it's 1 point for every ￡2 you spend.

Every 250 Clubcard points you collect will give you ￡2.50 in Clubcard 保証人／証拠物件s.

M&S Club Rewards is 排他的に利用できる to M&S Credit Cardholders.

It’s also 価値（がある）公式文書，認めるing that Tesco Clubcard 顧客s 利益 from an array of 割引d prices when grocery shopping.

Tesco （人命などを）奪う，主張する you can save up to ￡40 a month.?

警告: It comes with a ￡7.99 月毎の料金 which will eat into your 年次の伸び（る）.

蓄える／店 card 会員の地位: M&S Club Rewards

Perks:?This card from 示すs & Spencer 供給するs a host of 利益s 含むing 制限のない next day 配達／演説／出産 for M&S online 購入（する）s, 付加 reward points on M&S shopping and overseas spending, and a plethora of 保証人／証拠物件s.

You’ll also receive 2 extra rewards points per ￡1 spent in M&S when using your card online and in-蓄える／店 on 最高の，を越す of the rewards points you earn already.

M&S （人命などを）奪う，主張する you'll enjoy perks 価値（がある） over � �240 per year on 普通の／平均（する）.

What to watch out for:?The ￡10 月毎の告発（する），告訴（する）／料金 will eat into your 年次の伸び（る）.

This is also 排他的に利用できる to M&S credit card 支えるもの／所有者s.??

保護するing your money

Another major 特別手当 with rewards cards is the 消費者保護 you are する権利を与えるd to, under Section 75 of the 消費者 Credit 行為／法令／行動する 1974.

Put 簡単に, if you use the credit card to buy something 価値（がある） more than ￡100, here or abroad, the card issuer is 平等に liable if something goes wrong.

Best 全体にわたる rewards card

Credit card: American 表明する Preferred Rewards Gold Credit Card

Perks:?. The person who does the referring earns 6,000 Rewards points per referral whilst the person who is referred gets 22,000 when they spend ￡3,000 in the first three months of having the card. The 限界 for referral 収入s is 始める，決める at 90,000 points a 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.

For those who don't 調印する up using the referral 特別手当 you can still earn 20,000 特別手当 points?when you spend ￡3,000 in their first three months.?

It's 価値（がある）公式文書，認めるing that you either 利益 from the 基準調印する up 特別手当 or the referral 特別手当 - you won't be able to get both.?

20,000 points is enough for a ￡100 gift card or ￡90 価値（がある） of アマゾン購入（する）s. For たびたび（訪れる） flyers, it can also be 変えるd into Avios points.??

For those who don't 調印する up using the referral 特別手当 you can still earn 20,000 特別手当 points when you spend ￡3,000 in their first three months.

You get 1 会員の地位 Reward point for every ￡1 you spend 加える get up to 12,500 特別手当 points a year. Then use your points to 相殺する事実上 anything you’ve bought on your Card, or redeem with a 範囲 of shopping, travel and lifestyle partners.?

There is also the 追加するd 利益 of getting ￡5 支援する twice every month by spending on Deliveroo.

Finally, you can take advantage of two complimentary lounge visits per year at over 1,300 airport lounges globally.

警告: It comes with a ￡160 年次の料金 after the first year. However, if you 取り消す before your first year is up, you'll essentially have enjoyed this card for 解放する／自由な.??

If you fail to 支払う／賃金 your balance 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.?

判決:?If you make 十分な use of the perks, then this card could be a 高度に l ucrative 選択, even with the ￡160 料金.?

Credit card: The Barclaycard Avios 加える card

Perks: Barclaycard's Avios 加える credit cards 申し込む／申し出顧客s the 適切な時期 to collect Avios points for every ￡1 they spend.

Avios points are a way for you to turn your everyday spending into flights with BA, Aer Lingus, Iberia, の中で other 航空機によるs.

Those who 選ぶ for the Barclaycard Avios 加える will collect a whopping 50,000 Avios (as について言及するd above) if they spend ￡3,000 in the first three months.

Barclaycard's two credit cards 申し込む／申し出顧客s the 適切な時期 to collect Avios points for every ￡1 they spend.

However this 申し込む／申し出 ends on 30 May 2023 and thereafter the introductory 申し込む／申し出 goes 支援する to 25,000 Avios.

They also get a return on their spending - 1.5 Avios for every ￡1 spent.

On 最高の，を越す of 蓄積するing Avios points, if you spend ￡10,000 within 12 months, you'll receive a British 航空路s cabin 昇格保証人／証拠物件 to use on an Avios Reward Flight 調書をとる／予約するing.

You can also get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for 解放する／自由な with the new Barclaycard - although this turns into a paid subscription after the 裁判，公判 so you'll need to 取り消す if you wish to 避ける存在告発（する），告訴（する）／料金d thereafter.?

警告: The ￡20 月毎の料金 for the Barclaycard Avios 加える - ￡240 a year may be too terrifying for some to stomach.

It's also 価値（がある）公式文書，認めるing that if you fail to 支払う／賃金 the balance off each month you will be 攻撃する，衝突する with a 27.9 per cent 購入（する）率.

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Best buy 貯金

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最高の，を越す率s of up to 5.20%*

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競争の激しい 5.17% 利益／興味*

含むs 0.88% 特別手当 for first year

解放する／自由な株

When you 調印する up to Freetrade*

株価値（がある）￡10 - ￡100, min deposit ￡50

投資するing

Saving & 投資するing

￡100 refund on 取引，協定ing 料金s*

申し込む／申し出 valid until 21 June

Fibre broadband

￡50 BT reward card when you 調印する up*

￡34.99 per month for 24 months

* (v)提携させる(n)支部，加入者 links: If you take out a 製品 This is Money may earn a （売買）手数料，委託（する）／委員会／権限. These 取引，協定s are chosen by our 編集（者）の team, as we think they are 価値（がある）最高潮の場面ing. This does not 影響する／感情 our 編集（者）の independence.

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Some links in this article may be (v)提携させる(n)支部，加入者 links. If you click on them we may earn a small （売買）手数料，委託（する）／委員会／権限. That helps us 基金 This Is Money, and keep it 解放する／自由な to use. We do not 令状 articles to 促進する製品s. We do not 許す any 商業の関係 to 影響する／感情 our 編集（者）の independence.

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This calculator will show you just how long it's going to take you to （疑いを）晴らす your credit card balance if you don't wake up, 直面する reality, stop 支払う／賃金ing the 明らかにする最小限 and start （疑いを）晴らすing this 刑罰の form of 負債. 普通の／平均（する）率s are around 26.2% - many much higher.

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