Big spenders can make their cash go further by picking the right credit card before a summer shopping spree.
Putting your holiday or garden furniture on a reward credit card can earn you extra spending cash.
But make sure you pay the balance in full every month, because interest charges will always far outweigh rewards.
For those who do want to spread out their repayments, an interest-free deal can help to avoid extra cost.
The key to making the most of reward cards is ensuring that you are only getting perks and cashback for things you will actually use. There is no point earning travel miles with an airline if you dont plan to fly anywhere.
For most people, cashback is often the most flexible way of getting perks. Spending 10,000 on an American Express Platinum cashback credit card would earn you 171 cashback, according to Moneysupermarket.
The American Express card offers 5% cashback for the first three months, with a maximum reward of 100.
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