Amex or Revolut probably suit you better. Points can be converted to various things.
If you’re in a big city Yonder is pretty good but you’re slightly more constrained.
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The other alt is Chase. 2% cashback on transport, grocery, takeaway, restaurants and some other stuff. Can tally up to £20 a month.
Required to add £1k for the full month into a saver account (or split across multiple), and then 15 transactions a month either debit card, credit card or direct debits.
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There are also other cashback options, such as Zilch, Uphold, Trading 212, Krak, Barclaycard Rewards or Lloyds Ultra
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Is Zilch any good? I’m kind of tempted to put in an application and see what they give me.
Zilch works but it is a bit of hassle having to activate the store each time in advance to get a higher cashback %.
I only use the pay now option not the BNPL bits.
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Klarna is very good for travel with insurance, cashback, travel perks including lounge access. You can convert points collected into cash or hotel points or airmiles
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