Cashback, Savings and Credit Cards

Saving/Investments

Ratesetter*
Reasonable good return rate (vs. bank) and flexible if using the rolling market (can withdraw at any time) ~3% interest rate + £100 bonus if you invest £1000 for 1 year. (total return on Y1 ~ 13%).

Note: Capital at risk. No FSCS protection. Instant access not guaranteed.

Nutmeg*
Robo-investing, ISA’s and LISA’s, 3 months free portfolio management when you use the above link.

LISA
Sign-up to a LISA if your buying a house in 12+ months. £1000 bonus for every £4000 you put in (mac £4000 per year). Must be spent on a house (>£450,000) or a pension.

Current Account Switching
MoneySavingExpert has a list of the top offers currently available including £75 at Halifax, £150 Expedia vouchers (Firstdirect) or £185 M&S vouchers (M&S Bank).

Cashback

Quidco*
Cashback for various websites, don’t signup for premium free is fine. Very similar to topcashback but nicer experience. Can compare cashback rates between the two.

Screen Shot 2018-08-01 at 18.20.41

IBM Rewards (IBM employees only)
Cinema tickets and discount vouchers, also does cashback (like Quidco). Tesco 6%[1], Sainsubury’s 5% and Vue/Odeon/Cineworld/Showcase from £4+.

TopCashBack*
Similar to Quidco, sometimes you will get a better rate by checking both sites.

Discounts

Meercat Movies and Meals
2-for-1 on Cinema tickets (Tuesday/Wednesday) and meals (Sunday – Thursday) including Prezzo, Pizza Hut, Frankie & Benny’s and Bella Italia. Available to all customers of CompareTheMarket, so the cheapest option is a single day’s travel insurance for just £1-2. Details on MoneySavingExpert above.

Credit Cards

Amex*

Gold – free for the first year (save £140) and 2000 additional points when hitting spending target (£2000). Usually 25k membership points, so might be worth waiting. Cancel after 1 year and move to a different card to avoid the annual fee.

Platinum cashback card – 5% upto £125 cashback then 1% annual fee of £25.

Head for Points – Credit Card Reviews

Notes

This should not be considered financial advice, please seek professional advice before making any investment decisions or signing up to credit agreements.

*Affiliate links included above, so a smal commission may be paid on signup.

[1] I have been informed you may be able to buy Amazon/Netflix/Spotify/etc vouchers from Tescos using gift cards, I will confirm this myself in the next few days.

Photo by Fabian Blank on Unsplash

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