# Distinct lack of modern Credit Card providers? **URL:** \ **Category:** Financial Chat\ **Created:** [6 September 2019 10:34 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031 "2019-09-06T10:34:14Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.monzo.com/u/phildawson)\ **Post date:** [6 September 2019 10:34 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/1 "2019-09-06T10:34:14Z")
So I’m new to Credit Cards, had one a long long time ago to visit Japan, never needed to use it. I had expected to find a Monzo equivalent. Just looking at a purchase card to offer protection on purchases and earn a bit of cashback. - Will be paying in full each month. - A second supplementary card for my other half would be nice. - A decent % of my purchases are food and fuel. - Already have a Natwest Reward current account. So my current options with old school providers (crappy apps?): ## Natwest Reward Credit Card ## Sainsburys Purchase Card ## Amex Nectar Card … Any others? * * * What about _Fintech_, basically just Tandem atm? ## Tandem Cashback Credit Card I can see these are in the pipeline, I’m on the list in case they turn out decent. ## Jaja (beta) ## Tymit (beta) ## Bits/Fea (alpha) ## Starling Credit Card (alpha) ---
**Author:** ![lumisota](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/lumisota/32/3217_2.png) [@lumisota](https://community.monzo.com/u/lumisota)\ **Post date:** [6 September 2019 10:36 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/2 "2019-09-06T10:36:26Z")
> [@phildawson](#): > > Amex Nectar Card The Amex app is actually not bad, and you get instant spending notifications (at least on iOS). ---
**Author:** ![Webby53096](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/webby53096/32/60325_2.png) [@Webby53096](https://community.monzo.com/u/Webby53096)\ **Post date:** [6 September 2019 10:38 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/3 "2019-09-06T10:38:31Z")
I’d suggest swapping the Amex Nectar card for either the Avios one or a Cashback one - in the long run you’ll get more out of points if you collect them wisely or just get cash backs ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [6 September 2019 10:40 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/4 "2019-09-06T10:40:25Z")
> [@phildawson](#): > > Starling Credit Card (alpha) Do we know that Starling’s credit card is in alpha? I.e. has anyone seen one in the wild / got one / got the inside track? 👀 ---
**Author:** ![Rika](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/rika/32/45582_2.png) [@Rika](https://community.monzo.com/u/Rika)\ **Post date:** [6 September 2019 10:43 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/5 "2019-09-06T10:43:42Z")
I have an Amex card and it seems to be about as good as it gets in the credit card world. Credit cards are ripe for someone to rethink and build on a modern card processor. ---
**Author:** ![Webby53096](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/webby53096/32/60325_2.png) [@Webby53096](https://community.monzo.com/u/Webby53096)\ **Post date:** [6 September 2019 10:46 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/6 "2019-09-06T10:46:52Z")
> [@Rika](#): > > Credit cards are ripe for someone to rethink and build on a modern card processor. Credit cards are ripe for :monzocard: to to rethink and build on a modern card processor \* 😉 ---
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.monzo.com/u/phildawson)\ **Post date:** [6 September 2019 10:53 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/7 "2019-09-06T10:53:22Z")
My recent Starling chat suggested November/December. 🤷‍♂️ might just be saying that as running out of months in 2019 to pick from. ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [6 September 2019 10:56 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/8 "2019-09-06T10:56:25Z")
> [@phildawson](#): > > My recent Starling chat suggested November/December. Did they specify a year? 🧌 ---
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.monzo.com/u/phildawson)\ **Post date:** [6 September 2019 10:57 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/9 "2019-09-06T10:57:37Z")
It seems Tandem are the only ones, but unfortunately they don’t allow additional cards. They also seem to have annoyed a lot of people, and don’t allow increases to limit only decreases. The disadvantage I can only see with Amex is acceptance by merchants. 🤔 ---
**Author:** ![Peter\_G](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/peter_g/32/89632_2.png) [@Peter\_G](https://community.monzo.com/u/Peter_G)\ **Post date:** [6 September 2019 10:59 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/10 "2019-09-06T10:59:37Z")
> [@phildawson](#): > > It seems Tandem are the only ones, but unfortunately they don’t allow additional cards. They also seem to have annoyed a lot of people, and don’t allow increases to limit only decreases. Does anyone know anything about Tandem’s card processor / tech stack? I don’t have a card, but they seem fairly old fashioned from afar (starting with paper statements et al). ---
**Author:** ![Webby53096](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/webby53096/32/60325_2.png) [@Webby53096](https://community.monzo.com/u/Webby53096)\ **Post date:** [6 September 2019 11:03 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/11 "2019-09-06T11:03:57Z")
> [@phildawson](#): > > The disadvantage I can only see with Amex is acceptance by merchants. 🤔 That’s improved a lot recently ---
**Author:** ![WillP79](https://avatars.discourse-cdn.com/v4/letter/w/94ad74/32.png) [@WillP79](https://community.monzo.com/u/WillP79)\ **Post date:** [6 September 2019 11:06 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/12 "2019-09-06T11:06:42Z")
They’re not paper any more (unless you want them, I think) ---
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.monzo.com/u/phildawson)\ **Post date:** [6 September 2019 11:06 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/13 "2019-09-06T11:06:47Z")
Natwest Reward Credit Card does seem to be decent in 1% on supermarkets and 0.5% elsewhere. No fee from having the Reward account too and a MasterCard. Problem is if their app is shit. ---
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.monzo.com/u/phildawson)\ **Post date:** [6 September 2019 11:08 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/14 "2019-09-06T11:08:49Z")
The upcoming Tymit card looks good, but the beta :android: looking at starting a few months into 2020. ---
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.monzo.com/u/phildawson)\ **Post date:** [6 September 2019 11:10 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/15 "2019-09-06T11:10:47Z")
Likewise with Jaja also looks promising, I’ve been on their waitlist for a year. 😥 ---
**Author:** ![marcel\_w](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/marcel_w/32/5200_2.png) [@marcel\_w](https://community.monzo.com/u/marcel_w)\ **Post date:** [6 September 2019 11:13 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/16 "2019-09-06T11:13:49Z")
Barclaycard has a half decent app and offers a great purchase offer 🙂 ---
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.monzo.com/u/phildawson)\ **Post date:** [6 September 2019 11:16 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/17 "2019-09-06T11:16:09Z")
I can only see it offers 0.25%? Unless I’m looking at the wrong card. ---
**Author:** ![marcel\_w](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/marcel_w/32/5200_2.png) [@marcel\_w](https://community.monzo.com/u/marcel_w)\ **Post date:** [6 September 2019 11:19 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/18 "2019-09-06T11:19:04Z")
The Barclaycard Platinum has 25 months of 0% on purchases/balance transfer: [https://www.barclaycard.co.uk/personal/credit-cards/platinum-purchase-bt](https://www.barclaycard.co.uk/personal/credit-cards/platinum-purchase-bt) They also offer to check your eligibility before applying 🙂 ---
**Author:** ![phildawson](https://avatars.discourse-cdn.com/v4/letter/p/bbe5ce/32.png) [@phildawson](https://community.monzo.com/u/phildawson)\ **Post date:** [6 September 2019 11:21 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/19 "2019-09-06T11:21:44Z")
Oh I see, yeah I don’t need that but thanks. I’m not using as a cheap loan and I’ll be paying back in full each month so interest isn’t an issue. 👍 ---
**Author:** ![anon99402360](https://avatars.discourse-cdn.com/v4/letter/a/5e9695/32.png) [@anon99402360](https://community.monzo.com/u/anon99402360)\ **Post date:** [6 September 2019 11:24 UTC](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031/20 "2019-09-06T11:24:24Z")
Crack on then 😉 [Next page](https://community.monzo.com/t/distinct-lack-of-modern-credit-card-providers/79031.md?page=2)