Best account, credit or debit card for cash back 2024

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presidenttttt

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Revoult metal subscription gives 0.1% cash back on all spend in Europe, 1% outside of Europe.

I saw bunq have 1% but the small print, as i understand it, means in reality it's just for restaurant/bars.

Any others?
 
Trade Republic give 1% but it goes into a savings plan rather than being straight cashback:- https://support.traderepublic.com/en-ie/1215-Qu’est_ce-Saveback

Avant Money give €150 https://www.avantmoney.ie/credit-cards/rewardplus

The Bank of Ireland Aer Lingus credit card gives 1 Avios point for every €4 spent https://personalbanking.bankofireland.com/campaigns/aer-credit-card/2-return-flights-3/

The AIB Platinum Visa credit card gives 0.5% cash back but only for spend after the first €5,000 in each year https://aib.ie/our-products/credit-cards/platinum-visa-card
 
I received a letter from PTSB that the quarterly account fee will rise to €24 from July 1st. One of their suggestions is to open an Explore account.

Does anyone have experience of this account and the cashback? Seems like nothing to risk.
 
Paul M. said:
Trade Republic give 1% but it goes into a savings plan rather than being straight cashback:- https://support.traderepublic.com/en-ie/1215-Qu’est_ce-Saveback

Avant Money give €150 https://www.avantmoney.ie/credit-cards/rewardplus

The Bank of Ireland Aer Lingus credit card gives 1 Avios point for every €4 spent https://personalbanking.bankofireland.com/campaigns/aer-credit-card/2-return-flights-3/

The AIB Platinum Visa credit card gives 0.5% cash back but only for spend after the first €5,000 in each year https://aib.ie/our-products/credit-cards/platinum-visa-card
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I haven't looked in a while but when I last checked, the AIB one made most sense for me (I just push all my daily and annual expenses through the credit card and use it as a way of budgeting, so easily hit 5,000).
The Avant one is a one-off payment. The BOI one has an annual charge associated with it, so might only make sense for people who fly a *lot* (I'm guessing)
 
Slim said:
I received a letter from PTSB that the quarterly account fee will rise to €24 from July 1st. One of their suggestions is to open an Explore account.

Does anyone have experience of this account and the cashback? Seems like nothing to risk.
Click to expand...
Yes I've been using this account since 2020 and find it perfect for our needs
When we first joined it was because BOI removed my free banking so I looked for the cheapest alternative
Back then it was €6 per month but you got €.10c back an all purchases using their debit card
We had Sky tv and were with Airtricity so availed of these discounts
And there was a nice bonus of €0.04c off a litre of petrol with a Circle K fuel card
so all in all it was a little earner for us

Fast forward to today, Sky and Airtricity are gone for us
The ten cent has been reduced to 5 and the account fee is now €8 per month
So now rather then making a few squid it costs us about €6 per month after cash back
which I feel is just about acceptable to us, but do I really have a choice in the matter

We still have the fuel card and the discount but as far as I know anybody who applies for one from Circle K gets the discount

As regards the functionality of the account I've never had any problems with it, it does what it is supposed to do quietly in the background
 
Ha ha, I've never used the app on my phone only accessed account on my computer :rolleyes:
Have just installed it so I'll get back to in the next day or two and let you know
 
Yeah from what I can see so far the phone app has the same functionality as the computer
As in anything I need to do on the computer is mirrored on the phone so it's probably a good idea to have both up an running

For me my days of having multiple bank accounts and credit cards are long gone, I just need one account for everything now
The PTSB explore account at the time of opening I felt was the best option of the main Irish banks and still is imo
The change over from BOI was easy, couple of visits to the local branch
And all of the DD's changed over except for two which were sorted with a quick phone call
I kept the BOI CC simply for the travel insurance but use the PTSB DC for all other purchases except travel
Yes I'm disappointed they increased the fee and reduced the cashback but I don't think any other bank offers this
And losing the Sky and Airtricity discount was my choice to make, based on better deals from competitors in the utilities
So for me I feel it offers the best value for money for something that works flawlessly in the background
 
@Cervelo: Yep, I find the app very good, apart from the limits on future dated transfers(2k) and daily transfer limit (10k). Neither is a regular inconvenience.

I was really wondering if any of this functionality would change with Explore account?
 
Cervelo said:
Yes I've been using this account since 2020 and find it perfect for our needs
When we first joined it was because BOI removed my free banking so I looked for the cheapest alternative
Back then it was €6 per month but you got €.10c back an all purchases using their debit card
We had Sky tv and were with Airtricity so availed of these discounts
And there was a nice bonus of €0.04c off a litre of petrol with a Circle K fuel card
so all in all it was a little earner for us

Fast forward to today, Sky and Airtricity are gone for us
The ten cent has been reduced to 5 and the account fee is now €8 per month
So now rather then making a few squid it costs us about €6 per month after cash back
which I feel is just about acceptable to us, but do I really have a choice in the matter

We still have the fuel card and the discount but as far as I know anybody who applies for one from Circle K gets the discount

As regards the functionality of the account I've never had any problems with it, it does what it is supposed to do quietly in the background
Click to expand...
According to the Circle K website the saving is now 2c a litre via a PTSB card while its 4c if you apply direct to Circle K. In my own case I am closing one of 2 explore accounts this week. The other account I will keep as between the 5c cashback and €1.50 via Sky BB the fees will come in at circa €1.50 a month.
 
Cervelo said:
Yeah from what I can see so far the phone app has the same functionality as the computer
As in anything I need to do on the computer is mirrored on the phone so it's probably a good idea to have both up an running
Click to expand...
More or less the same. However if you get locked out of your online account you will need to log in via a desktop or lap top to get up an running again. A pain if you happen to be traveling when it happens.
 
Slim said:
@Cervelo: Yep, I find the app very good, apart from the limits on future dated transfers(2k) and daily transfer limit (10k). Neither is a regular inconvenience.

I was really wondering if any of this functionality would change with Explore account?
Click to expand...
Afaik it's the same, €100K between accounts and daily transfer of €10k
I'm not sure about the future dated transfers as I don't use this feature but would presume it's the same €2k limit
 
We have the AIB platinum credit card and reached the 5k spend in a couple of months. Have started receiving cashback now. Think the first month was around €5. The last one was around €10. We try to put everything through it. I have even started paying utility bills before the direct debit is due. I think I can increase the monthly cashback to €15. The max you can get in a year is €225.
 
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