# Debit or Credit Card? **URL:** \ **Category:** Monzo Chat\ **Created:** [14 August 2022 05:34 UTC](https://community.monzo.com/t/debit-or-credit-card/136822 "2022-08-14T05:34:06Z")\ **Posts on this page:** 8\ **Page:** 2
**Author:** ![Ivan1954](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/ivan1954/32/80313_2.png) [@Ivan1954](https://community.monzo.com/u/Ivan1954)\ **Post date:** [14 August 2022 18:58 UTC](https://community.monzo.com/t/debit-or-credit-card/136822/29 "2022-08-14T18:58:24Z")
I’d say that as good as the Avios can be, it’s the companion voucher where the real value of the BA Amex lies. A lot depends on how much you can actually put through your Amex. For example, we have been using Amex an awful lot more this year as we discover more and more places that accept it, I now only have to spend about £4000 on it between now and next April to qualify for a companion voucher. Now if I can pay for 1 flight with Avios, and use the companion voucher, that works out to a very cheap flight 😁 ---
**Author:** ![o99](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/o99/32/83033_2.png) [@o99](https://community.monzo.com/u/o99)\ **Post date:** [14 August 2022 19:05 UTC](https://community.monzo.com/t/debit-or-credit-card/136822/30 "2022-08-14T19:05:17Z")
Even if you don’t see value in Avios for travel you can covert Avios to pseudo-cash in the form of Nectar points. If you earn 1 Avios per £ and then convert to Nectar you’re essentially getting 0.8 percent cashback. Converting Amex membership rewards to Avios to Nectar is another way of achieving the same “cashback” rate. ---
**Author:** ![o99](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/o99/32/83033_2.png) [@o99](https://community.monzo.com/u/o99)\ **Post date:** [14 August 2022 19:07 UTC](https://community.monzo.com/t/debit-or-credit-card/136822/32 "2022-08-14T19:07:35Z")
You can, but you get more Nectar if you first convert to Avios. Amex rewards to Avios ratio is 1:1 Amex rewards to Nectar is 1:1 Avios to Nectar is 1:1.6 ---
**Author:** ![PaulUK](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/pauluk/32/57221_2.png) [@PaulUK](https://community.monzo.com/u/PaulUK)\ **Post date:** [14 August 2022 19:59 UTC](https://community.monzo.com/t/debit-or-credit-card/136822/33 "2022-08-14T19:59:03Z")
> [@phildawson](#): > > Earns me ~£25 a month cashback so £300 over the year is worth doing. Are you seriously spending £5000pm through a personal Amex card? 😬 My income is nowhere near that 🤣🤣 ---
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.monzo.com/u/phildawson)\ **Post date:** [14 August 2022 21:47 UTC](https://community.monzo.com/t/debit-or-credit-card/136822/34 "2022-08-14T21:47:08Z")
My wife uses it too with a supplementary card. 😅 Also it’s Amex Nectar and it’s also double points via insurance so I get a lump added on top. Also Sainsbury’s energy It shows like this as entries ![IMG_20220814_224833](https://global.discourse-cdn.com/monzo/original/3X/2/1/21d8c6d62398d7ed8fc310840229061a92b7e932.jpeg) ![IMG_20220814_224808](https://global.discourse-cdn.com/monzo/original/3X/b/2/b256b7c6fd2795dd88e75b94dd79f9f84a4323cd.jpeg) ![IMG_20220814_225237](https://global.discourse-cdn.com/monzo/original/3X/e/5/e5b75eb9a59fb8633cfb5a5ffc213afae96b8f29.jpeg) It gives a nice amount each month for not doing anything different. ---
**Author:** ![j06](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/j06/32/97044_2.png) [@j06](https://community.monzo.com/u/j06)\ **Post date:** [15 August 2022 05:53 UTC](https://community.monzo.com/t/debit-or-credit-card/136822/35 "2022-08-15T05:53:29Z")
My credit report records a nought even when I use my Amex every month and pay it off in full by direct debit 🤷🏻 It then penalises me for not using enough credit! ![image](https://global.discourse-cdn.com/monzo/original/3X/e/9/e9d665189cde7ab22ba0e0e343bb5cc6e979027a.jpeg) ---
**Author:** ![j06](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/j06/32/97044_2.png) [@j06](https://community.monzo.com/u/j06)\ **Post date:** [16 August 2022 12:43 UTC](https://community.monzo.com/t/debit-or-credit-card/136822/38 "2022-08-16T12:43:30Z")
I have no idea. This credit agency claims the number “updates” weekly. It doesn’t really matter, as they make up the number anyway. ---
**Author:** ![system](https://global.discourse-cdn.com/monzo/original/3X/a/e/aedf2f7852aef6ffcd99f29eac49128cfbd2ecc3.svg) [@system](https://community.monzo.com/u/system)\ **Post date:** [12 February 2023 12:44 UTC](https://community.monzo.com/t/debit-or-credit-card/136822/39 "2023-02-12T12:44:15Z")
Closed on 12 February 2023 12:44 UTC This topic was automatically closed 180 days after the last reply. New replies are no longer allowed. [Previous page](https://community.monzo.com/t/debit-or-credit-card/136822.md?page=1)