Amex - majority of spending, day to day, large purchases etc.
Monzo Joint account - direct debits only for house/bills - no card spend
Monzo Virtual - linked to travel pot for commuting
Monzo Virtual - linked to subscriptions pot for discretionary bills/subs - NowTV, Music streaming, Netflix etc.
Monzo Flex - over £100 where Amex not accepted
Monzo main card - anything not covered by the above.
Monzo - All bills by direct debits and anything I can’t easily pay on credit card
AMEX - Everyday spending
Lloyds Credit Card - Only for places that don’t accept AMEX.
Amsterdam food shops? Cry as they only accept Maestro 
Surprising how many list Amex at the top of their list.
Starling Joint - both our wages go in here, all DDs come out as well as joint spends like food shop.
Monzo - my personal spends account, we give ourselves fun money so use our own accounts for it.
Monzo Flex - anything I want to pay over 3 months.
FD Credit Card - keep this on me for “just in case” but otherwise don’t really use it much.
AMEX - all daily spend to get points/flight voucher
Monzo - daily where amex isnt accepted/bills
Danske - dealing with cash/cheques
For all the Amex folk can you let us know why? What are we missing out on?
For me, and probably the majority, it’s the rewards.
I don’t think there’s much that offers a better option
Morning all 
picking up from Layla here.
A ton of interesting responses already, thanks. A couple of follow-up questions from me.
People who do their everyday spending with something other than Monzo or a credit card – why do you use the card/account that you do?
For folks who spend to earn points of some kind, are there particular things you earn points for? And if so, what are they?
What factors influence you to pay bills or regular payments from a certain card or account?
To answer question 3, my Mrs isn’t allowed to re-open her account she closed or make a new one, so we can’t open a joint account (might not be eligible anyway…) so none of our joint spending can be spent through Monzo.
Our joint spending is almost all of our spending each month, so it’s a shame.
Tesco Clubcard points are free money.
I use Monzo Premium card for day to day spend.
I used to use Chase for the cashback and roundups. I’d transfer the exact value from Monzo to Chase so I’m keeping track of my spending. I’ve given up on this because of the poor app reliability on Android and dubious support experiences.
I use a credit card if I have a large purchase I want protection for, if I want to defer payment for a month or so, or if there’s likely to be a large hold on my account (hotels, I’m looking at you). Since Flex I don’t use it so much for the second use case. I used to use Nationwide by default but I’ve since moved to a different provider that plays better with open banking in Monzo.
If I’m spending a lot of money (e.g. work on the home) I take out a 0% card then pay out off over the life of 0%
If I’m buying anything online, I’ll use a Monzo virtual card.
For recurring card paid bills, I’ll use different Monzo virtual cards hooked to the relevant bills pot.
When I was flirting with Chase it was solely because of free money.
I don’t do this right now, but I might be tempted if I were a frequent traveler (for example) and air miles were easily converted into cash (or can be used easily for leisure purposes at an attractive rate). I’d probably only do this, though, if I could see it in Monzo.
I’m totally Monzo for these. I use different virtual cards because that’s how Monzo works with pots. If there were a way of assigning a transaction to a pot on the basis of merchant, category, whatever the MasterCard categorisation thing is, then I’d probably be here for it.
Cheeky 
Really good question, and I don’t fully know! Main reasons currently that I use First Direct over Monzo are:
)It’s a hard one because I still have, and like Monzo! So who knows, maybe one day I’ll be back
I have about 5-6 cards in my physical wallet normally, maybe 3-4 (mostly different ones) when on holiday abroad. I have most of my cards on Google Wallet as well.
I use whatever makes most sense at the time, so my usage patterns change.
I used to use my Nationwide Credit Card for everything, small or big, when they had the cashback. Then switched to Barclaycard Avios. Then run the numbers and realised I will never get as much use out of Avios as out of other things, so switched personal spend to Chase and joint spend to Tesco Clubcard Credit Card for the extra points (much more to gain from using Boost to triple points for holidays).
I also have a couple of backup cards on me just in case the usual ones don’t work.
On holiday, I swap for the holiday cards - Monzo stays put, but out comes HSBC Global Money and Starling, to cover all the possibilities (HSBC for Visa rates which can at times be better, Monzo/Starling for no weekend fees, etc).
Also, whatever the card of the day is, I always pay for >£100 purchases with a credit card to get S75 protection.
I have a Monzo account that my salary goes into and that I use for day-to-day spending. Personally, I am Full Monzo. Once my bills money gets transferred to the joint account, this is my money to spend. It’s usually my fun money: going out, buying things for me, any subscriptions I use for me, not my family, etc.
My wife and I have a Barclays joint account for household bills. We get cashback for having insurance products through this card—a loyalty reward—I think it works out to £7 a month. Our mortgage comes out of here, insurance, food shopping, house improvements, etc.
We do have a Monzo joint account. We usually use this for money when we go away. We don’t use this day-to-day because we have a Barclays account. We use it occasionally because we only have one Barclays card and a Monzo Joint card each, but we often need to remember to top it up. Now I can see Barclays in the Monzo app, and it’s in my Apple Wallet, making it easier than Monzo right now. I would love it if I could get the same perks as Barclays and go full Monzo for my joint account too.
I use my Amex for points and increased interest on my current account. Even at a low value, I would rather earn some points on my spending than none, and some interest on my salary in the meantime. Separately, there are frequent useful small offers, and the occasional larger one (periodic Shop Small £5, twice-monthly £5 Deliveroo on my Gold card, near-constant discounts on LNER and Gett, £100 off my Dell laptop last year).
Re spending points, it’s a bit of a mix. The most frequent use is probably flights or Amex travel redemption (got return flights to LA for £250 a year ago). I also converted a ton of points to Avios and then to Nectar earlier this year and now have circa £400 of Nectar points to spend at Sains/Argos/eBay.
Bills and regular payments are all out of Monzo for highest level of visibility and control.
So, it would take a lot for me to move my daily spend because I absolutely make money on it every year for very little effort.
I’m keeping my AmEx alive for a while as long as I’m getting the cash back. The likelihood is that I’ll revert to Nationwide at some stage, though.
I pay bills from Santander for the cash back and interest. It amounts to about £30 most months after the fee.
Point 2 is to earn rewards and discount on groceries.
Point 3 is because nationwide offer a great paid account.
I use monzo for every thing , having plus is a big advantage as i can shove my bills money in a pot and forget about it , where as before monzo i could have got into such difficulties by spending it
the credit card is mainly used for fuel and emergencies
Rewards, be that points or cashback.
I started to earn for flights but these days just collect them for the flexibility they offer. As @hdwrng says any points are free money.
Initially we used Barclays because we had our mortgage with them and so rewards, again. Then when we had enough of their clunky experience we moved to Starling as they show upcoming payments and we can stay on top of our money somewhat better. Simpler app and more consistent CS than other banks, too