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A cashback card will literally pay you for spending money. It sounds great doesn't it? Well, essentially, it is.
Providing you always pay off your balance in full every month you can earn a rebate on the value of your purchases. It might not sound all that much, but when you consider getting an annual rebate cheque for £60, for doing nothing more than your usual £6,000 a year spending, it is a substantial amount of 'free' money that should not be scoffed at.
The trick for getting maximum cashback is to make all of your purchases, however small, with your credit card but make sure you read the small print and understand exactly what counts as a purchase and what does not. Any instant transactions such as cash withdrawals and online gambling deposits will begin to accrue interest straight away and can eat into the relative worth of your annual rebate substantially.
Because cashback rates are often better than those on charity credit cards, cashback cards are often seen as a superior alternative as they allow for a greater annual donation (providing you don't get tempted to keep the rebate yourself) to charity.
Cashback cards can also be used alongside store loyalty cards so you will not miss out on any of the rewards that you are currently getting.
In addition to the typical 1% rebate lenders sometimes offer introductory cashback rates of 2% or even 3% so if you were planning on making any large purchases in the near future anyway, signing up for a card with a good introductory off could really pay off!
Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable leader and product for your needs.
So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.
Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.
"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"
"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."
"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."
"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."
Winner of AI Finance awards 2015 for:
Best personal finance comparison site &
Best online price comparison platform