Quick: the BEST debit card's ending, £ 5 shoes, does your energy firm owe you £100s ?, £43 plants £10, cheap prosecco

Last chance. Grab a triple threat

You've a week to get a free Chase account for...

1. Unlimited 1% cashback worth £100s

2. The cheapest way to spend abroad

3. Easy-access 3.1% savings interest

No hard credit-check, so easy to get

For over a year now, the Chase banking app*, owned by US giant JPMorgan, has been in three best-buy categories. And as you don't need to switch to it to get the perks, it's easy to use in conjunction with your existing bank. It also only does a soft credit-check, which doesn't impact your ability to get credit in future. So it's a winner. Yet...

Apply by Mon 8 May, and for the first year its debit card gives you 1% cashback on all normal spending done on it (it excludes buying cars, art, gambling and cash from bureau de change - see the full list). Many have earnt big, like our own MSE Steve B who says: "I've earnt £402.24 in cashback since Feb last year."

From next Tue, newbies get cashback limited to £15 a month (so only cashback on the first £1,500 monthly spending). Still a best buy, just not as good, especially for bigger spenders. So if you're going to get it, don't delay.

It's rare to have a debit card that's good at home and abroad. Yet unlike most debit cards, spend on Chase* abroad and there's no exchange rate fee (usually 2.75% on top), so you get the same near-perfect rates banks do in every country. Here's how it compares:

- Normal cards: £100 worth of euros / dollars / dong costs you £102.75.
- Specialist cards: £100 worth of euros / dollars / dong costs you £100.
- Chase: It's the same as the other specialist cards, but you also get the year's 1% cashback on spending abroad, so £100 worth of euros / dollars / dong spending effectively costs you £99.

Nor does it charge any fees for ATM withdrawals (though you won't get cashback on that - so spending on the card is better than withdrawing cash to spend. And remember to always opt to pay in the local currency, not pounds, at the till).

Alternatives to Chase for spending overseas...

As Chase is a debit card, you don't get Section 75 spending protection (just the lesser chargeback). So if you buy important things costing £100+ while away, the top-pick credit card Barclaycard Rewards* (first check your acceptance odds) gives you that. It also has near-perfect exchange rates, no ATM fees and 0.25% cashback. Yet as it's a credit card, only do it if you'll repay IN FULL each month, or it's 25.9% rep APR interest. See our full Top cards for spending abroad guide for far more options.

For a prepay card, where you can load up in advance and lock in the exchange rate before you go (rather than getting the rate on the day you spend as with the cards above), our top pick is Revolut.

Chase pays 1% interest paid on its current account, but the key is its 3.1% interest on its linked easy-access savings, and you can swiftly move money between the two. This is a good rate, and you can put up to £500,000 in the savings (though like all UK regulated banks, you're only protected up to £85,000 per person per financial institution).

It also pay 5% interest on round-ups from any debit card spend (so spend £4.50 and it will save 50p at 5%). A great rate, but trivial amounts.

No other card pays as much as a flat 1% cashback - but for short amounts of time or if you've had the card for a year when the £15/mth cap comes in, it is beatable.

- The Amex Everyday pays 5% cashback for 3mths* (max £100) (check your acceptance odds), then an ongoing 0.5% to 1% cashback. Yet you have to spend £3,000+/yr on it to get any cashback.

- There's also the Amex Nectar card that gives enough points for £120 at Sainsbury's or 15,000 air miles if you spend £2,000 in the first three months.

Both of these are credit cards, meaning you get Section 75 protection on spending, but fail to repay IN FULL each month and it's 29.4% rep APR interest for Amex Everyday, 35% for Nectar. Full help in our Top cashback cards guide.