Home-Use 0.5% cashback or 0% card

Use 0.5% cashback or 0% card


I have both cards so it is better to use a 0% and put money in a saving or use a 0.5%. Many thanks for your help.

Depends on lots of things (that you haven't divulged in your OP), such as...

Length of 0% intro period
Savings account rate
Spending profile/amount
Credit limit on each card
Etc

Better if you run your own figures through the following calculators...

Slow stooz calculator (http://www.stoozing.com/slowcalc.htm)

Cashback calculator (http://www.stoozing.com/cashcalc.htm)

Thanks, I have a year on 0% and will spend about 3,000 early on and would save at 6% on normal tax rate.

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