UK Amex Plat is serious downgrade from US variant. Given there is 0 forex charges, what would be the downside of using US card in UK as primary?

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Bills for your US card will be in USD. You will be exposed to dollar fluctuations (vs pound), if you are earning in GBP

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I just received mine and I’m looking forward to using it in UK for the next few months

Dollar fluctuations are real. If a recession arrives, GBP will certainly get weaker vs USD. The USD has strengthened significantly the past year, and will continue to do this in an uncertain market.

Also no forex fees does not mean there’s no loss due to conversion. They’re still using a certain exchange rate, which could be higher than the market rate.

In my experience, they use a fairly good rate close to what you see on the internet

The FX fluctuation risk is relatively low as the time between spend and payment is about a month unless you’re actually planing to revolve a balance. Additionally, if you’re worried, you can remit payments multiple times per month.

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