Isn’t this argument always going to come down to how people manage their money best?
I don’t think there is any doubt, that if you manage your finances well, using a rewards credit card is the absolute best way to “get something for nothing”, and actually save you a ton of money.
But… If that comes at the cost of poor money management, which ends up costing you money anyway (because you aren’t as aware of your spending etc), then it’s a little counter productive.
Outside of the acceptance issues (which personally, are not much of a problem in my experience), American Express have brilliant rewards cards, an app which is comparable to any of the fintechs out there (with instant notifications as well), and the best customer service around.
I’ve seen JAJA and a few others come to the party recently (not to mention Starling doing something next year), but if it’s simply a rehashed version of a debit card/app as a credit card/app, with no extra perks what so ever… I fail to see the point?