Always credit card for me.
Amex wherever I can (for the Avios), and Nationwide everywhere else.
I will however use the Avios prepaid card for the free period for even more Avios
(If and when the card ever turns up 
)
The Avios prepaid card only gives 1 Avios / £2 so still better to use the Amex. Unless you meant use the prepaid card instead of the Nationwide one
1 Like
It’s more for the 3000 bonus, so I think it will only be a short term thing.
It’ll definitely be gone before the fee kicks in.
1 Like
Oh yes, I’m doing the same – spending on the awful prepaid card instead of Amex until I get my 3k Avios
1 Like
Unfortunately, I was turned down for the Avios Barclaycard, otherwise I’d have just gone for that instead.
Everything through Amex for me.
Earns me ~£25 a month cashback so £300 over the year is worth doing.
Monzo picks up the non-Amex transactions which is rare these days.
Just need to stick to paying it off in full and not get tempted by the limit.
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 
1 Like
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.
1 Like
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
1 Like
Are you seriously spending £5000pm through a personal Amex card? 
My income is nowhere near that
1 Like
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
It gives a nice amount each month for not doing anything different.
3 Likes
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!
1 Like
How odd!
I have no idea. This credit agency claims the number “updates” weekly. It doesn’t really matter, as they make up the number anyway.
This topic was automatically closed 180 days after the last reply. New replies are no longer allowed.