> the 1000£ will sit in your bank account and earn interest You typically use a non-savings account to back a credit card. 0% interest Most savings accounts g

> the 1000£ will sit in your bank account and earn interest You typically use a non-savings account to back a credit card. 0% interest Most savings accounts give in the area of 0.01% interest. While you’re right in general that you’d wanna use credit and keep cash for many things, a typical CC transaction is too small for this to be worth considering. Use a CC for the points and pay it off every month. Forget the interest gains. Make sure you don’t not pay. The interest on a CC loan will kill you. And that’s far more common for most people.