If you're not sure you can always repay the card in full, DON'T pick a card for rewards. That’s because cashback is seen as a rebate on money you’ve spent rather than income. For a reminder about how we process your personal information you can view our full Privacy Statement here. While you’ll need to sign up with a checking account (much like how other banks require) Discover’s application process can be completely done online without any sort of hiccups. Required fields are marked *. Do I get Section 75 protection on these cards? If accepted, you'll get Nectar points on all spending plus 750 bonus Nectar points worth £3.75 each time you spend £35+ in store or online at Sainsbury's (excl petrol) in the first two months (max 7,500 points, worth £37.50). This has had a huge impact on daily life, affecting everything from weddings and train travel to music events and sport. Our website is completely free for you to use but we may receive a commission from some of the companies we link to on the site. However, if you tend to be a loyal a particular shop you could be better offer with a reward credit card that offers points which can be turned into vouchers to spend there. We will then show you how much cashback you could earn on each card. Don't borrow or withdraw cash on a reward card, Amex Everyday: fee-free + 5% intro rate, up to 1% after, Amex Platinum: 5% intro + up to 1.25% after, £25/yr fee, Sainsbury's: up to £37.50 bonus Nectar points, Amex Nectar: £120 to spend at Sainsbury's, Argos etc, Reward Credit Card Eligibility Calculator. Which? 5% cashback if you spend more than £3,000). The remainder of the cashback is earned through debit card use, with 5p paid per debit card transaction, up to a current maximum of £1.50 a month ‒ a total of 30 transactions. Halifax Visa Debit card contactless cashback offer terms and conditions. Note: You won't get the bonus if you've held an Amex card in the past two years (see FAQs). Many debit card users aren’t interested in credit cards for their interest rates, annual fees, or for potentially debt draining situations. Usually one Nectar point is worth 0.5p, but occasionally some retailers give better offers (see Loyalty Schemes for more info). If you have a new card you'll need your PIN for the first transaction to activate the contactless functionality. If you would like another copy of these you can find these here or you can call 0345 720 3040 to request another copy. You can also boost your points by getting a supplementary card (for a partner/friend), whose spending will then earn points. We don't sell your personal information, in fact you can use our site without giving it to us. In fact, they were worth 0.0001p. It is important that you understand how the personal information you give us will be used. As the money flows in, you can transfer it to your bank account, PayPal account or have it paid as an Amazon.co.uk Gift Card.