Best credit card? Non 0% etc...

[Pheonix]

Hi All,

Any thoughts on the best Visa/MC credit card? Nationwide are offering me a Gold card, although that doesn't seem to have a massive amount of benefits apart from a 15.9% APR. Already have an Amex Plat. & Nectar so they're out.

Basically looking to replace my HSBC Mastercard as there is no benefit to that card and the APR is high... tempted to go with Nationwide simply because it makes my life easier.

But any other thoughts?

[pyrogena]

Unless I'm missing something, an APR of 15.9% is not a benefit. There are better deals to be had out there. Check out Motley Fool or a similar website.

[cjanderson]

depends what you are after?

if to buy a big purchase then 0% on purchases for 12 months are good deals.

If its for regular spending and paid off each month, then Egg Money (http://www.thedvdforums.com/affiliatelink.php?localaffiliateid=210) gives 1% cashback on all spending.

[mjb1975]

Egg (http://www.thedvdforums.com/affiliatelink.php?localaffiliateid=210) have pulled the Money card (which is a shame for new customers) but you can still apply for the regular card (no cashback there though).

The American Express Platinum Card (http://www.thedvdforums.com/affiliatelink.php?localaffiliateid=267) is still offering good cashback offers though I think...

[Pheonix]

Already have an Amex Platinum Revolve, can't see many other decent cards around at the moment.

The Nationwide Gold's APR is lower than their "classic" card, thats all. The other good advantages include comission free foriegn purchases, and that I have my main Current A/C with them, so managing the card would be easy. At the moment I don't need a 0% card, therefore these are of no benefit. Motley Fool doesn't seem to offer me much unless its 0%.

[B0zza]

I just recycle long-term "0% on purchase" cards, make the minimum payment throughout and stick cash in a decent paying savings account and generally accrue around £100 per month interest. That game might not be quite so 'fun' now with the interest rates as they are.

I also have a Nationwide Gold card but use it only for overseas purchases for the reason you state.

[AdminSpod]

Capital one have low APR deals on their platinum card but you don't get a 0% period.
https://www.capitalone.co.uk/creditcards/secure/application-bt.jsf
Most 0% period cards charge 3% for balance transfers anyway.

[Pheonix]

I never really revolve a balance these days (Atleast, I try not to!)

Therefore not too worried about APRs... as a result I've gone for the nationwide card due to it being the easiest to keep an eye on.

[Roy]

I use the John Lewis card, you get points back as JLP vouchers. Can manage online etc. I just clear mine each month and get about £200 a year of JLP vouchers.

You get double points in JLP stores (Waitrose, Ocado etc).