December 2024’s credit card & BNPL news & offers 

December’s bank card & BNPL information

Chase bank card begins to roll out

In the midst of November, Chase started piloting it’s bank card to some present prospects. Initially that is steadily being rolled out to round 25,000 folks in Chase’s ‘buyer panel’, nevertheless it’ll then be supplied to extra present prospects over the approaching months, earlier than a possible full launch sooner or later in 2025.

These of you who’ve seen the Chase bank cards within the USA, you is perhaps excited. There are large welcome bonuses and first rate cashback or factors in your spending. Sadly that’s not what we’re seeing on this check section.

They key characteristic that make it price a glance is 0% charges on abroad spending, so it’d be a again up on your commonplace Chase debit card overseas.

Apart from that there’s additionally 0% on spending for a restricted time, which in case you want it could possibly be helpful, however there are different and doubtless longer promotions on different playing cards.

And that’s it. No rewards, no welcome offers. That’s to not say that gained’t come ultimately, and the options will probably change from the present providing when it’s totally launched, however I wouldn’t anticipate these perks any time quickly.

I assume those that are already utilizing Chase as their main current account and financial savings account would possibly prefer to have every little thing in a single app, however in any other case I wouldn’t get excited.

When you’re eligible to use you’ll discover it in your Chase app. As soon as accepted (there can be a tough credit score verify), you’ll be able to entry the digital card immediately.

Virgin Cash launches cashback card

One other new card that anybody can apply for is from Virgin Cash. The On a regular basis Cashback Card does what it says – earn you a reimbursement on all of your spending.

The speed isn’t nice, simply 0.25%. Nonetheless it’s fee-free to make use of abroad and has no annual cost. It’s additionally a Mastercard.

This makes it a good various to the Barclaycards Reward for overseas spending whenever you want a bank card. Selecting this as a substitute would imply you’ll be open to getting one other Barclaycard, such because the Avios card.

Nonetheless the cashback is capped at £15 a month, which implies spending over £6,000 wouldn’t earn something. Nonetheless in case you’re doing nearly all of your spending on the 1% incomes Chase debit card, that is only for whenever you do want a bank card.

Ombudsman and BCWYC drive American Specific factors payouts

You would possibly bear in mind some time again I shared in considered one of these updates that a number of readers had reported Amex not giving the complete boosted welcome bonuses for affords in the summertime.

The 60,000 moderately than 25,000 factors for the BA American Specific Premium Plus was solely obtainable in case you utilized through the BA Government Membership, and Amex stated the shoppers in query hadn’t adopted the correct hyperlink.

We challenged them on the behalf of a handful of readers, however had been informed the selections to not give the complete factors was appropriate.

Nicely considered one of you took it additional and complained to the Monetary Ombudsmen. They determined within the reader’s favour, and awarded them not simply all of the owed factors however some money compensation too. You can read about this here.

Off the again of that article, one other reader received in contact with us and we went again to Amex relating to their case – and so they too also then got the full points added!

When you additionally misplaced, out return to American Specific and lift a grievance, and ship them our articles. Please do tell us in case you’re profitable or not in getting what you’re owed.

Virgin Crimson drops Greggs

When you’re incomes Virgin points, then it’s most likely finest you employ them for flights (regardless of some latest adjustments to the way you redeem them). However in case you’re planning on utilizing your factors for Greggs, the unhealthy information is that they’re now not obtainable.

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December’s bank card particular affords

Amex affords boosted upgrades to Platinum

If in case you have an present American Specific Reward or Most well-liked Rewards Gold bank card, have a look to see in case you’ve been supplied the prospect to upgrade to the Platinum card.

I discovered it in my app and on-line account, although I’ve been unable to finish the improve (and have a grievance in with Amex about this).

When you see the provide, you’ll discover it’s the identical deal model new Platinum prospects can apply for price 80,000 factors with a £10,000 spend in six months, together with different credit and freebies on high.

Although most different Amex cardholders qualify for this provide, usually Reward and Gold cardholders are dominated out. Right here’s my full analysis of the offer.

Ongoing affords

The next are nonetheless all obtainable, however coated intimately in earlier updates. Hit the hyperlinks for extra info.

This month’s finest bank cards

As at all times when speaking about bank cards the very best bank card for you’ll rely in your credit score report and why you want one. Ensure you learn my rules for having and applying for a credit card.

However assuming you’ve received an important credit score report, don’t want one to clear present money owed and can clear the stability fully every month, these are my high picks:

Andy’s Prime Three Credit score Playing cards (December 2024)

• Santander Edge for two% cashback in first 12 months, regardless of the charge (read more)
• Amex Platinum for boosted welcome deal and stacked affords (read more)
• Amex Nectar for ongoing 1% cashback in Nectar factors (read more)
• Barclaycard Rewards for 0.25% cashback and fee-free spending abroad in case you don’t desire a Chase current account