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  • I need a credit card, mainly for work expenses (train tickets, meals, flights etc).

    I don't have one. I have only ever had one and that came with my student bank account. It got abused 11 years ago, paid off then destroyed.

    I am 3 months into my first mortgage and my credit rating is fine.

    The plan would be to use it solely for work expenses, claim, and then pay off ASAFP.

    No need for any transfer bollocks, I've no other debt that needs to be moved around. Just want something easy to use, basically.

  • If the plan is to reclaim and pay off in full every month then I'd go with the Amex Gold charge card https://www.americanexpress.com/uk/content/gold-card/ More places are accepting Amex than in the past, they're making a concerted effort to get smaller businesses on board.

    Probably the best benefits of a card at the moment. It's free for the first year and then £140 after that so cancel it at the end of the first year.

  • Use your banks basic offering. Or maybe a points one you can use to redeem against flights. They might cost a bit more but if you can put a lot through them, they can pay off.

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