As we say above, the top-paying cards are all from American Express. But if you already have an Amex, can’t get one, or need a backup for when it’s not accepted, there are a few decent options – mostly from supermarket chains. These give the best returns when used at those stores, but do give some points if used elsewhere.
Important. Most of the cards below also offer 0% on new spending for a certain number of months. If you plan on using the card for everyday spending, it’s best to ignore this and continue to pay it off IN FULL every month. However, if you NEED to borrow for a planned, affordable, one-off purchase, such as to replace a broken fridge, there’s no cheaper borrowing – provided you borrow as little as possible and only an amount you can pay back during the 0% period.