The logic of the tiers are simple: if you are a cashback person, you’d obviously put all your spending on Tier 1 cards, followed by Tier 2 when your Tier 1 cards are fully maximised. A miles person would focus on the Miles column, and someone who is Team Value like me would see whether miles or cashback wins in the specific tier.

Tier 1 & Tier 2A

People who chase miles might vehemently disagree, but there simply isn’t any compelling miles cards now to rival the top tier cashback cards. You could quite easily get between 6 to 10% in this category, while mile cards offer 4 mpd at best.

Also, miles are