I'm in the market for a new no annual fee credit card since Mebank is closing theirs. For you, which one is better and why?
A bit about my usage.
- I don't care much about purchase rate since I pay off the balance every time.
- I have a (Transfer)Wise card which I use for international purchases, so the foreign transaction fee isn't much of concern either
- I typically use AMEX Qantas Express Discovery Card for most purchases when there's no extra surcharge or if not much different for Mastercard/VISA
Pro/Con that I'm tossing over:
- Kogan give s $300 credit after a $3k spend
- Free Kogan First membership
- Coles gives 10k Flybuys/$50 after a 3k spend
Earning points: One needs to spend 2x more in Kogan CC to earn points to get the equivalent amount of actual $. E.g. Spend $50k = 50k points = $50 whereas with Coles spend $20k = 10k Flybuys = $50.- Edit: $5k spend = 5k Kogan points = $50 = 10k Flybuys = $20k spend.. ergo Kogan > Coles here
I have both.