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Thanks. On the American Express point I note the article says: "The price cap will not apply to so-called three-party card schemes, such as Diners and American Express, which involve only one bank. Commercial cards used only for business expenses will also be exempt from the new price cap."...

Will that EU Reg have the same effect on credit card company profitability on their balance transfer offers as seems ludicrous those paying off their debts will get hit but not those who don't? Always thought American Express was closest comparable to the Capital One cashback card so will prob...