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I see. I don't have an Amex card. Is it worthwhile? I'm not a strategic shopper. Happy with the small dividend from keeping my Santander Mastercard (recommended by moneysupermarketsaving bloke.com) curated.

Preciely. I used to live a month in the future because I needed to. These days it is because I can.

I'm charged a monthly fee for my credit card, but it earns 'points' which means £ that far outweigh the fee. So my credit card company has never made a penny out of me in 20 years, and has in fact paid me to use it. Presumably they get some commission on what we buy?