Which would be fine, except that I only value a BA Mile at 0.8p, unless I'm using an Amex voucher when you can double that to 1.5p! I'd say using this for cash withdrawals is only worth it if you need to push your Amex spend up to £10k or are considering the more expensive alternative of buying a load of miles via ba.com.

It seems to have some merits as a normal Visa card, though, as long as you remember to top it up, remember what the balance is at all times and don't try it for any restricted transactions such as hotels.