Amex Platinum has an identical introductory 5 per cent, yet charges a £25 annual fee, though as it's rate when the introduction deal ends is a flat 1.25 per cent, it is worth it for big spenders.Alternatively, Santander's 123 card pays a long-term three per cent cashback on petrol and diesel spend (maximum £9 per month), two per cent in department stores and one per cent in supermarkets.
So, if you buy a broken £100 lamp, whether from John Lewis or a now-defunct backstreet store in Bogata, you can go straight to the credit-card company for redress.
Even better, you only need to part-pay with the card for this to count.
Theft protection is thrown in free Some credit cards, including Amex and Capital One, voluntarily offer "purchase protection", in which if goods are lost or stolen within a set time – usually around 90 days – you get your money back. Having bought a new one to get to work, I cycled to the police station and D-locked it to the railing while I got a crime number to claim on my purchase protection. I turned around, went back in, reported it and thankfully was compensated twice.
It is well worth checking whether or not your current cards have it. Credit card advantage two: freebies and cash Credit cards offer incentives to encourage you to spend on them, and as we've defeated their interest lust – why not grab 'em?
Big spenders or regular fliers can beat cashback returns with reward cards of airlines used regularly – some even offer introductory flight freebies.
However, don't do this thinking you'll get every flight you want, the key is flexibility about where and when you go.
Of course, those who've had credit card problems, or tend towards undisciplined overspending, should take no risks.
But for the debt-free and disciplined, there's profit to be had as long as you strictly follow a simple golden rule: always set up a direct debit to repay the card in full each month.
Over the Christmas break, I used my saved-up points and companion ticket to treat Mrs Money Saving Expert to a New York trip, flying out business class and returning first class.
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