Best credit card in the UK? Amex is pretty self explanatory, but what about for non-Amex purchases?

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not a credit card, and not for everyone but check out the crypto .com debit cards. The free one has 1% cashback

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Interesting - 1% cash back in crypto or fiat?

Chase is running a 1% cashback offer for the first year. Worth using that for non-Amex payments but it's a debit card

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Bps = Basis points. Card issuers typically fund rewards from interchange fees that are paid by merchants. In the US these can be > 2% of a transaction. In the UK and EU these are capped at .30% which means there isn’t a way to pay for rewards and so our credit cards don’t have lots of cash back or airline points.

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I just use the plat amex, if you travel enough its worth it

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Yeah have that - pre Covid it was well worth its money given all the travel, now it’s questionable

The Virgin Atlantic Rewards Credit Cards have the best non cashback earning rates, and are generous, but you need to be collecting or have some Virgin miles in the first place to make it worthwhile

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John Lewis partnership card is what I run alongside my Amex

Basically just John Lewis vouchers - tend to come in handy for electronics purchases

Although only used when Amex isn’t accepted which is typically low frequency/value spending so don’t have many vouchers to burn through

HSBC premier mastercard

Are the points worth it?

Barclaycard hhonors. Gives you good membership once spend a certain amount mount plus points. Useful to use for hotel stays

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Can your spouse be employed in Google and getting RSUs?

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For those who have started traveling again... I recently started flying for work and am noticing increased discrimination on Delta Airlines. As a brown person have experienced that in the past, but lately it’s blatant. I’m a diamond and a million miler however, I see more and more out of turn upgrades. Have you experienced and what dis you do about it?

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Have a 115,000 point AmEx Platinum referral offer. Let me know if you’re interested

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Hi Fisher ,
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