November 2024’s credit card & BNPL news & offers 

November’s bank card & BNPL information

Amex axes Store Small

Unhealthy information for anybody trying ahead to the annual Store Small promotion from American Categorical – it gained’t be returning in 2024. As an alternative there’s a competitors to win £1,000 for you and £10,000 for a small enterprise. I’ve coated it in our information to Shop Small.

Amex revamps Platinum eating credit score & Harvey Nicholls presents

These with a American Categorical Platinum card – or considering of getting one – will need to reap the benefits of a few credit score presents unique to the cardboard.

Till the top of 2024 you may get £150 to spend at chosen UK eating places and £50 to spend at Harvey Nicholls. Each presents had been on account of finish this 12 months, however have now been prolonged into 2025.

The £50 Harvey Nicholls supply stays the identical however will now finish 30 June 2025. should you’ve already activated the give you gained’t must do it once more within the new 12 months.

The eating credit score deal is altering although, and can have to be chosen within the Amex presents tab from January 2025. The brand new format is for £100 between January and June, and one other £100 between July and December. So that you’ll get extra money to spend, however it’ll be break up over two (or extra) visits.

All in, these two presents can be value £450 between now and the top of subsequent 12 months should you’re but to make use of them in 2024. We’ve gone into extra element in our take a look at the American Express dining credit offers article.

The abroad eating credit score may also work in the identical means, however it is a exhausting one to really use except you go to one of many small listing of cities with taking part eating places.

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November’s bank card particular presents

Amex Platinum: as much as £550 welcome supply & £600 in perks

This may very well be a really profitable supply – although you’ll must spend an enormous quantity to qualify.

First up, it’s in contrast to most different Amex welcome offers as some present clients will qualify. Usually you may’t get the bonus should you’ve had any Amex in your title within the final two years, however this one solely excludes these with the Gold, Rewards or Platinum card.

The supply itself is an elevated 80,000 Amex factors (value £400) whenever you spend an enormous £10,000 within the first six months. You’ll additionally earn one other 10,000 factors (value £50) for that spending.

That is boosted to 100,000 (value £100) should you go through a refer a good friend hyperlink, or you may get £100 in cashback if apply go through TopCashack (although test Quidco too as charges can change). So all in that’s £550 you’ll get from this deal.

You do must stability that towards the £650 annual charge, however upon getting the cardboard you’ll get different perks simply value £600, together with:

• free household worldwide journey insurance coverage
• £150 to spend in chosen UK eating places in 2024
• £200 to spend in chosen UK eating places in 2025
• £50 to spend in Harvey Nicholls in 2024
• £50 to spend in Harvey Nicholls in 2025
• Airport lounge entry

This supply ends 14 January 2024 – extra particulars in our Amex Platinum deals web page.

Amex Gold: boosted 30,000 factors welcome

Or should you’re a model new cardholder, you possibly can go for the American Categorical Most well-liked Rewards Gold bank card. This one is extra achievable on the subject of spend, although it’s nonetheless a good quantity.

You’ll must spend £3,000 within the first three months to get 30,000 Amex factors (up from the conventional 20,000), which together with the three,000 factors earned from that preliminary spending works out as £165.

Once more you may go through cashback websites, with £70 out there from Quidco, including as much as £235.

This card is free within the first 12 months, and also you’ll get perks like £10 off Deliveroo every month and 4 airport lounge passes. However ditch it in 12 months two as you’ll be paying £195 a 12 months. Right here’s our full American Express Preferred Rewards Gold card review.

There’s an additional £25 on supply for brand spanking new Amex Cashback On a regular basis cardholders, with 5% again on the primary £2,500 spend somewhat than the same old £2,000. Extra particulars in our American Express deals web page.

HSBC: £60 supply stack

This supply is again from HSBC and Quidco. You’ll get £35 should you apply efficiently for the Buy Plus bank card through cashback website Quidco, after which one other £25 from HSBC whenever you spend £100 on the cardboard. The HSBC facet of the supply ends 16 December 2024.

Asda Cash: stand up to £50 again in Asda Kilos

For those who open a bank card with Asda Cash you may nab 5% again on Asda spending, as much as a £50 bonus in your Asda Reward app. Ends 6 January 2025. Extra particulars in our credit card deals web page.

John Lewis Cash: get a £40 voucher

Till 6 January, new card holders who spend £250 within the first 45 days you’ll get a £40 John Lewis voucher. Extra particulars in our credit card deals web page.

Amazon Barclaycard: £20 or £50 welcome

This supply remains to be going, although I’d hold an eye fixed out throughout Black Friday to see if it’s boosted (this was an everyday prevalence on the previous Amazon bank cards).

Because it stands, new candidates for the Amazon Barclaycard Rewards card will get a £20 Amazon credit score, whereas anybody who had the earlier Amazon bank cards can get £50 in credit score.

This month’s finest bank cards

As at all times when speaking about bank cards one of the 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 excellent credit score report, don’t want one to clear present money owed and can clear the stability utterly every month, these are my high picks:

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

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