You get bonus rewards of 3% cash back at U.S. supermarkets ... parts of your budget and you refuse to pay an annual fee, this card is a fine choice.

1.5% back outside of bonus categories and flexible redemption options, and you have a winner. The card's rewards structure isn't the easiest to remember. But its useful bonus categories ...

Essential housing costs - rent or a mortgage, council tax and fuel - set single people back £7,974 a year on average, whereas couples spend £6,215 each, according to Hargreaves Lansdown.