5 ms·

The flip side to this is using something like an Amex which offers insurance, points, business lounge access and much more. Set up the card with diret debit (mu

• stuaxo 5y ago
  It's pretty expensive to have an Amex card, I had one for a bit, but ended up not really using it so the £ they wanted seemed like a rip-off in the end.
  • maccard 5y ago
    There are many amex cards which don't have any fees, they even have a filter for them on their website [0] https://www.americanexpress.com/uk/credit-cards/all-cards/?intlink=uk-en-hp-product1-all-personal-04032021 https://www.americanexpress.com/uk/credit-cards/all-cards/?i...
    • nixass 5y ago
      Amex is terrible card in EU. High fees, many places rejecting it, I see no real reason why to use Amex over Visa or Master/Maestro
      • maccard 5y ago
        The link I shared is a list of cards from Amex that don't charge any fee. Anecdotally the number of places that reject my personal amex is very close to zero (there's one cafe enar me which doesn't take it). > I see no real reason why to use Amex over Visa or Master/Maestro Cashback/rewards, and it's accepted on Amazon in the UK after this year is a really good reason to use it over Visa at least. Maestro is non-existant in the UK. Maybe mastercard is a better choice, but I carry two cards _anyway_ , so one might as well be an Amex, and the second should be a mastercard?
        • nixass 5y ago
          Majority of hotels around Europe don't accept it, same with restaurants, small business, shops.. there is not a single reason to own one in Europe, even with cashback (cashback to what actually, since i cannot use it anywhere)
          • maccard 5y ago
            I've travelled around the UK, Ireland, France, Spain, Italy and almost exclusively used my Amex over the last 5 or so years. > Majority of hotels around Europe don't accept it, same with restaurants, small business, shops I completely disagree. Almost every restaurant, hotel, cafe takes it. All major airlines accept them, the major train operators accept them, the major hotel booking sites and airbnb both accept it. > there is not a single reason to own one in Europe, even with cashback (cashback to what actually, since i cannot use it anywhere) Well there is, cashback, and contrary to what you're saying it _is_ usable in europe. You can book a flight with Ryanair, a train on trainline, hire a car via hertz/sixt/europcar, book a stay with airbnb/booking/hotels, and eat out in restaurants and local cafes all with an amex.
            • nixass 5y ago
              I spend on business travels around Europe 1/4 of the year, 2 years ago we were moved from Visa to Amex and the company reversed the move after 1 month back to Visa. Couple of major hotel chains didn't accept the Amex. In Dublin specifically I had huge issues with Amex, not to mention Germany and Scandinavia. It was just bad experience all together
      • tigershark 5y ago
        1.25% cashback.
  • iso1631 5y ago
    Mine's free, and they pay me cashback every year (which is of course mainly paid by companies like tesco and amazon as part of the fees)
• MomoXenosaga 5y ago
  You are paying for these "perks" and no I don't need insurance when I'm buying an electronic toothbrush from Amazon thank you very much.
  • skeeter2020 5y ago
    not typically unless you carry a balance. The merchant pays regardless if you use a credit or debit card, only the rate changes.
  • chrisseaton 5y ago
    > You are paying for these "perks" Everyone is paying for the perks, since prices are the same for everyone, but only the people with a credit card are getting them. You're paying for their perks every time you buy with a debit card - it's madness to use debit.
  • pandaman 5y ago
    Unless you are getting a discount for paying with a debit card, you are paying for these perks too.