Assuming you use the Targets (or perhaps, even if you don’t), I’d be interested to hear how much more you save from the loyalty points vs being able to track your spending & save using Monzo -
https://community.monzo.com/t/what-about-credit-cards/5373/118?u=alexs
Though to be fair, I’m not sure Monzo can compete with Amex or Amex x airmiles.