Hello and welcome to our round-up of the best credit cards for November 2022, including the best rewards cards, the balance transfer cards, and the best cards for travel.
Table of Contents
Best rewards credit card In UK, US, And India
The American Express Preferred Rewards Gold Credit Card is our top rewards card for three months running. With this card you get 20,000 bonus points when you sign up and spend £3,000 in your first 3 months, an ongoing earn rate of 1 point for every £1 spent, 2 complimentary airport lounge visits, plus loads of extra perks to unlock in the app. This card has no account fee for the first year, after which you’ll pay an annual fee of £140. A potential downside given that a lot of the other cards mentioned in this video have no account fees. It’s also worth considering that not all places and retailers take Amex, but that is definitely changing.
Best balance transfer card In UK, US, And India
We’ve got a new entry for the best balance transfer card in November. With the Santander every day No Balance Transfer Fee Credit Card, you’ll get 0% interest on your balance transfer for 21 months with no transfer fee. You can also earn up to 15% cash back through Santander’s Retailer Offers scheme. And all this with no account fee. This card is not available for existing Santander customers. And, if you need more than 21 months to pay off your balance, there are longer 0% deals
0% purchase credit card In UK, US, And India
out there – but they will likely come with a transfer fee. The Sainsbury’s Bank Dual 24 Month Offer Credit Card is our new top pick for the best 0% purchase card, with 0% interest on purchases for up to 24 months. 1With this card you can also collect 500 bonus Nectar points each time you spend £35 or more in Sainsbury’s, and you can do this up to 10 times in your first two months totaling a juicy 5,000 points. This card has no account fee. However, it is only available for new customers and not everyone who gets accepted for this card will be able to get the full 24 months interest-free on their purchases.
Best cashback credit card In UK, US, And India
The American Express Platinum Cashback Everyday Card remains our best cashback credit card for November, with 5% cash back on eligible purchases (up to £100) for your first three months, and an ongoing earn rate of 0.5% cashback on spending less than £10,000 (1% on spending over £10,000). There is no account fee to use this card. But, be aware, if you don’t pay off your card in full each month, you could end up paying more in interest than you would earn in cashback.
Best travel credit card In UK, US, And India
The Barclaycard Rewards Visa is our top pick for travel cards with no fees on spending and cash withdrawals abroad. The account is free to use, but the qualifying criteria are quite strict. You need to be 21 or older, have a minimum of 4-year credit history, and earn over £21,000 per year to be eligible. Unfortunately, you can only hold one Barclaycard at a time so if you already have an account with them you won’t be able to get this card.
Best credit builder card In UK, US, And India
The Capital One Classic Complete is our new top pick for credit builder cards in November. This card is aimed at those with poor credit and offers 0% interest on purchases for 4 months and up to 2 optional credit limit increases per year, with no account fee. Downsides include the fact that you might not get accepted for this card if you haven’t had a credit history in the UK before as well as the higher interest rates that typically come with these types of cards. Every month we’ll be bringing out a new Post/Article with our credit card top picks for that month, So, for more information, check this Banking Article/Post——
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