What's the best credit card to buy £10,000 of furniture for my new home?

• e-mail

I've recently moved house and am about to spend やめる a lot of money on 世帯 items such as beds and a sofa, which I 見積（る） will come to £10,000.?

What is the best card I can get to maximise rewards on spending this 量?

I'm happy to put it on a credit card as I have the ability to 支払う／賃金 it off within the month to 避ける any 料金s.??

Taking the credit: Our reader is buying £10,000 価値（がある） of furniture for a new home and wants the best credit card for rewards

Helen Kirrane of This is Money replies: Furnishing a new home can be a daunting 仕事, not least because it requ 怒らせるs dropping a large 量 of cash.

You can 少なくなる the sting by making your furniture 購入（する）s with credit cards which 申し込む／申し出 attractive rewards, 無 利益／興味 on 購入（する）s for a period or a large spending 限界.

The best way to cash in on this would be to get a credit card with a good 調印する-up 特別手当 which can be 誘発する／引き起こすd using the spend.?

Here, credit card 専門家s give some of their 最高の，を越す 選ぶs for you.?

略奪する Burgess, of credit card and travel rewards website 長，率いる for Points replies: For smaller 購入（する）s, the Chase debit card is still 利益／興味ing. It 申し込む／申し出s 1 per cent cashback for the first year, but this is 限られた／立憲的な to £15 per month.?

This means you won't earn on spending over £1,500, so it may not work for you as you are looking to spend more.?

There are two decent Amex 選択s you could try instead.?

American 表明する Preferred Rewards Gold is probably the best bet for you, 特に as Amex does give good credit 限界s.?This assumes that you are buying from companies that take Amex.

The 調印する-up 特別手当 is 価値（がある） 20,000 American 表明する 会員の地位 Rewards points, which will get you a £100 high street shopping 保証人／証拠物件 or £90 of 声明 credit.

The four airport lounge passes and £120 of Deliveroo credit.

The 特別手当 needs £3,000 of spending in three months to 誘発する／引き起こす it. The earn 率 is one point per £1 so you get 0.5p per £1 支援する.

You should 確実にする you 取り消す within 12 months to 避ける 支払う／賃金ing the £195 料金 for その後の years.

計画（する） B, which might be better if you place no value on the airport lounge passes and Deliveroo credit, is the Amex Nectar credit card.

The 特別手当 is 20,000 Nectar points, 価値（がある） £100 to spend at retailers like Sainsburys, Ebay, Argos and more, which could be useful for your 世帯 購入（する）s. You need to spend £2,000 in three months to get this.

The earn 率 is 2 Nectar points (1p) per £1 so it's twice as good as Amex Gold for day-to-day 収入.

Again, this card is 解放する／自由な for the first year and you need to 取り消す within 12 months to 避ける 存在 告発（する），告訴（する）／料金d £30 per year going 今後.

専門家s' 選ぶ: The American 表明する Platinum Cashback Card lets shoppers earn up to 5% cashback for the first three months

Andrew Hagger, 創立者 of personal 財政／金融 website Money Comms replies: There are a couple of cards 価値（がある） considering for you.?

Firstly, the American 表明する Platinum Everyday credit card which gives you 5 per cent cashback in the first 3 months.?

This 初期の 宣伝の cashback is capped at £100 ? anything after this earns at 0.5 per cent up to £10,000 of spend, and once you 越える £10,000 the cashback 率 増加するs to 1 per cent.

Alternatively, it might be 価値（がある） considering the Santander All in One credit card which gives you 0.5 per cent cashback - up to a 最大限 of £10 per month - although it does come with a £3 月毎の 料金.

A big 加える point is that the card 告発（する），告訴（する）／料金s 無 利益／興味 on 購入（する）s (and balance 移転s) for the first 15 months, so as long as you make the 最小限 月毎の 返済 each month, you can keep the 本体，大部分／ばら積みの of your £10,000 in a 貯金 account.

With some of the best 平易な acces s accounts you can earn 5 per cent or just over, so definitely 価値（がある） considering ? 加える you can get at your cash すぐに as and when you need it.

Emily Herring, credit publisher at comparison website Finder replies: There are some 広大な／多数の／重要な 'no-料金' cards 利用できる. For example, the American 表明する Platinum Cashback Everyday Credit Card is a 一貫した 選ぶ for cashback on Finder.?

The card has a generous 調印する-up 特別手当 of 5 per cent cashback on your 購入（する）s (up to £100 total cashback), 加える an 付加 £10 cashback in your first 3 months.

This card's sister, the American 表明する Platinum Credit Card, ups this reward to 5 per cent cashback on your 購入（する）s up to £125 and £25 in 特別手当 cashback. But it comes with an 年次の 料金 of £25.

If Amex isn't your thing, the Santander All-in-one credit card 申し込む／申し出s 0.5 per cent on all 購入（する）s and, if you're 適格の, 0 per cent 利益／興味 on 購入（する）s for 15 months.?

This is an 追加するd advantage if you know you have a few big ticket items, like furniture, on your shopping 名簿（に載せる）／表（にあげる）.?

But it's important to borrow only as much as you can afford to 支払う／賃金 支援する in a 0 per cent period, and make sure you 返す your balance in 十分な before the introductory? period ends, さもなければ you could get stung by the '逆戻りする' 率, which will typically be high.?

This card has an 年次の 料金 of £3 and you're 限られた／立憲的な to 収入 £10 cashback per month.

Helpful: A 0% 利益／興味 card can be useful if you have big ticket items such as furniture on your shopping 名簿（に載せる）／表（にあげる）, as this will 許す you to spread the cost?