I suppose more people are thinking about the same thing as me. Since I lived some months in Euro-countries this year, I have got some local credit cards as well as a EB CC from Sweden. Sometimes Im wondering which card to use. So the main question for the thread is; How much are you willing to pay to get points?

Lets not compare with buying points or if you really want some point, for example to pass a 10k limit etc. I also know the conditions are different for different credit cards (and that AMEX currently had a summer promo running). However I would like the discussion to be more general.

In fact its really easy to get a CC for no cost in many European countries (that have Euro). For example, in Germany you have www.dkb.de which you can use for free at ATMs all over Europe (you can order via M&M to get some M&M points).

Due to the exchange rate it cost about 2% more for me to use a Swedish Mastercard (than transferring the money from Sweden to my German Visa). So, like yesterday when we had a dinner for 55€ that would mean I would pay about 10 sek for 50 points which is the same as 1000:- for 5000 points. So with Mastcard, I think its pretty clear that its not worth it. For Dinner & Amex the conditions are better but as long as you dont fly a lot the north Scandinavia I'm not sure sure if its worth it...

Also, like today when the Euro is really weak, I usually do bigger transactions which is another reason for me to rather use the Euro CC. Any other people which are quite a lot abroad and have been thinking of the same thing?