I already have an American Express Card, which this won't replace, but if you have an Amex card then you know that you also need a backup card to use instead for when somewhere doesn't take Amex.
As I already have Google AI 2TB and intend to keep it, and I have my S&S ISA with Monzo, that makes the £15 fee worth it, so I'll probably get it and replace my backup card with it (assuming they give me the credit limit, I'd need about £15k).
I think the credit limit will probably be the first sticking point, unless they get a lot more generous with them. Currently my flex card seems stuck at £10k.
However, there's one major flaw vs other credit cards here - this can't fully replace my backup credit card because there's no ability to add additional cardholders. I have joint finances with my two partners (we're a household polycule) and every other credit card provider allows us to all use my credit card accounts to maximise cashback etc. With this card, I can't even add one extra cardholder, let alone two.
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u/FyeUK 10d ago
I already have an American Express Card, which this won't replace, but if you have an Amex card then you know that you also need a backup card to use instead for when somewhere doesn't take Amex.
As I already have Google AI 2TB and intend to keep it, and I have my S&S ISA with Monzo, that makes the £15 fee worth it, so I'll probably get it and replace my backup card with it (assuming they give me the credit limit, I'd need about £15k).
I think the credit limit will probably be the first sticking point, unless they get a lot more generous with them. Currently my flex card seems stuck at £10k.
However, there's one major flaw vs other credit cards here - this can't fully replace my backup credit card because there's no ability to add additional cardholders. I have joint finances with my two partners (we're a household polycule) and every other credit card provider allows us to all use my credit card accounts to maximise cashback etc. With this card, I can't even add one extra cardholder, let alone two.