Any credit cards with "reward" schemes?

J

Jupiter

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Any credit cards with "reward" schemes?

Hey all,

I use my credit card very heavily. However, I pay it off in full every month.

Are there any credit cards in Ireland with "reward" schemes?

I know in the UK, there are things like for every £100 you spend on your card, you get £1 credited to it.

I'd like something like this, as I know it would work in my favour.

Do they exist?

Thanks.
 
Pigsback have one with MBNA where you get 'piggy points' with your spending on the card which can be exchanged on the pigsback.com site for things like phone credit.
 
Piggypoint rewards are getting worse by the day, if you don't have a credit phone or want weekend break vouchers there is little else on offer. Only one CDWOW voucher can be redeemed per purchase so no good for getting box sets etc. I have 17000 points and there is nothing I want to cash them in for, the reward list has dropped from 50 items to 41 since the new year so I doubt I'll get to cash them in any time soon.
 
American Express have a "blue card" of some description (its still a credit card tho). You get about 2% of your spending back each month.
 
Mts you should try to get a friend/family member to buy the credit from you as its normally one of the better items to buy with your points 1point for 1cent of credit last time I checked.
 
American Express have a "blue card" of some description (its still a credit card tho). You get about 2% of your spending back each month.
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1% actually - but it's still my fave card - Don't leave home without it.
 
Tesco also has an award scheme. It's offering to pay the credit card tax until 31 March. I don't know if the 10,000 figure has been reached.

I wouldn't rely on AMEX blue as my only credit card - eventhough I wouldn't be without it at the same time.

The switching tax is payable until 02 April, so you would want to take this into consideration.

Marion :hat
 
Hi Rainyday, do you find that usage of Amex Blue is restricted as it does not seem to be taken by some websites or retailers?

Ged
 
Use of Amex Blue is definitely restricted - there are many places that don't take it, but there are loads that do, and most larger establishments in terms of purchases (airlines, hotels, supermarkets) do take it.

In work we set up as a merchant recently and it took all of 2 seconds to decide we wouldn't bother accepting Amex since the general assumption is that most people will have either Visa or Mastercard so there was no benefit to us as a merchant in accepting Amex.

I wouldn't rely on it as my only card.

z
 
brown thomas master card

Not exactly the same but does anyone use/recommend/not recommend the brown thomas master card? I was thinking of getting one with the view of paying it off every month. I would be really interested in your opinions.
thx
Cas.
 
Re: brown thomas master card

Is this mastercard any different than any of the other branded cards ?

If not, then you won't gain anything other than a few funny looks when you present the card. A bit like getting a BMW card - might look nice, but possibly a bit ostentatious if the only benefit is being associated with the brand.

NB - I'm not knocking the card - there may be some benefit that it has (loyalty points, etc . . .), but if there isn't then you would just be getting the brand association.

z
 
In work we set up as a merchant recently and it took all of 2 seconds to decide we wouldn't bother accepting Amex
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Just curious - Was there a significant difference in the merchant fees charged to you for Amex, by comparison to Visa/MC?
 
Hi

I've got a Tesco Visa card & while the points are handy when converted into vouchers for heavy usage, you should be aware of a couple of things (speaking from experience here):

* Their customer service is poor. One can only dial a freephone number during certain hours of the day (Mon - Fri & Sat mornings I think) for information such as your balance, credit available etc

* There is no Internet Service on offer

* Branches of various banks (except Ulster Bank - a related company) don't / won't accept payments. Paying via the post office or mailing your payment is slow

* Tesco Visa are slow to apply lodgements (slower than 2 other credit card providers I also deal with)

* Tesco Visa decline "unusual" transactions without making any effort to contact their customers - despite having your mobile phone etc available to them

* Clearing agents such as AIB processing don't seen capable of clearing a transaction from Tesco Visa, when a clearance number is requested for a large transaction

* Their interest rate is not the cheapest on the market place after the initial promotional period - long term, it may cost you between their interest rate & in addition, their heafy charges for late payments etc.

Regards

G>
www.rpoints.com/newbie
 
I've heard that EBS are bring out a new MBNA card , EBS will pay the government stamp duty. I do not know if this is for every year or just the first year.
 
Rainyday asked - "Just curious - Was there a significant difference in the merchant fees charged to you for Amex, by comparison to Visa/MC?"

There was a difference - it may have been 2% vs 3%, but I'm not sure. It was enough of a difference (plus an extra set of paperwork) to make us not want to bother.

z
 
Re: Any credit cards with "reward" schemes?

I just got in the post details from Ulster Bank about a new reward scheme (www.ulsterbank.ie/yourpoints) - I guess this is some compensation for the loss of the 40E loyalty bonus whereby they used to pay your credit card stamp duty if you put so much (4K I think?) on your card in one year.
 
Re: Any credit cards with "reward" schemes?

I got this also.

The examples given in the booklet aren't exactly enticing.

You'd have to spend €39,000 on the credit card before having enough points for a return flight to Rome. Even London is €13,500.
 
Re: Any credit cards with "reward" schemes?

Has anyone used the MBNA Fly & Buy credit card ? And if so, was it worth having ?
 
Re: Any credit cards with "reward" schemes?

I am sure someont old me on one of this sites threads a few months ago that either AIB or Ulster Bank did a rewar/money back scheme like the AMEX Blue one? Will have a search,

Q
 
Re: Any credit cards with "reward" schemes?

Mumha said:
Has anyone used the MBNA Fly & Buy credit card ? And if so, was it worth having ?
Click to expand...

I have the AXA mbna card and got some money off my car insurance last year due to points from spending money on my credit card.
 
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