Originally Posted by
Sonkeli12
Hahah I do put all my spend on Amex as it's the only card with any kind of benefits that I have currently. I've been thinking about AY Visa but that doesn't have any other benefits (insurance etc.). Of course, it's a lot cheaper and I may still have things to learn about the credit card game
one can use the benefits of amex without using it for daily charges, thats what I did untim I cancelled amex this year.
The2x avios per 1€ on visa is a fairly good return, I calculated over some beers one night that it should be around a 2.1-2.4% cashback return in value vs a half percent with amex. Of course I get 4-5% back on a limited spend on my other cards so I spread the love to maximize value.
Obviously those with very large spends will need a different strategy or they wont care about points as much as I do, its a running joke in my family and work that I dont buy or do anything that doesnt earn me points and that is fairly accurate to a 97% point 😄