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Although we can’t compete with our friends in the USA, there are many excellent reward credit card options here in the UK. Whether you want cashback, airline miles, hotel points, or elite status benefits – Amex and others have you covered. We regularly sing their praises. In keeping with the current gloomy global mood though, I thought it would fun to take a quick look at what I consider to be the worst rewards credit card in the UK instead.
Now, you might (quite reasonably) assume that any card that offers some type of reward is better than one that offers nothing, but I’m not sure that’s actually entirely true. Allow me to present a card so bad that I would probably rather earn nothing:
The Maximiles Credit Card, issued by Creation (which also issues the very decent IHG Rewards Club cards), has no annual fee and allows you to earn 1 Maximiles Point per £1 spent. There is also a 5,000 point sign up bonus that sounds rather exciting!
There are two key problems though:
1. Maximiles aren’t worth very much
Amongst (many…) other delights, you could use the juicy sign up bonus to pick up in-demand items like an “On A Wick & A Prayer Pillar Candle”:
A “Bird Mug”:
Or, perhaps, a “Hand Trowel”:
For the big spenders (who manage to earn 6,500 points, in addition to the sign up bonus), there is even the opportunity to become the proud owner of a USB stick (available for ~£12 elsewhere):
2. You have to deal with Creation…
If you are yet to experience Creation’s ‘Customer Service’, your life is more blessed than you know.
On paper, the benefits I get from my IHG Rewards Club Premium Mastercard (issued by Creation, though not currently accepting new applicants) are excellent. I come out about £250-300 to the good each year on average, even with the £99 annual fee. It’s almost certainly the best Mastercard offer in the UK.
Despite that, I hate using the card.
Seemingly entirely random fraud blocks mean you never know whether your card is going to work or not. Having to spend 30 minutes on the phone getting my card unblocked because I tried to pay £20 at Tesco (near where I live) was a particular highlight.
More generally, replies to simple queries often take months. Basic chargebacks, with all evidence supplied at the beginning, have taken me the best part of a year and numerous chase up communications.
I sometimes wonder whether the time I spend sorting out issues with Creation ‘costs’ me more than the benefits I get from the IHG card – and that’s with a market-leading card that provides genuine value. It’s fair to say that the Maximiles Credit Card is not quite a product of the same calibre…
I’m interested to hear whether any readers actually have a Maximiles Card. Are there any hidden gems I’m missing, or is it truly the worst rewards credit card in the UK?
What other contenders are there?