The bourgeois pastime of credit card rewards points

Also we decided our CC spending was getting a little out of hand, so we're switching to only paying fixed expenses on CC and doing everything discretionary from a separate checking/debit account from our main account. Making sure we only spend what we have etc.

I realized the "rewards" thing really does give me this dangerous little adrenaline hit that makes me spend more.

Something worth considering for anyone who has to renew their transport season ticket soon is that you get 25000 Avios points for spending £3000 in the first three months of having a BA AmEx credit card. It is a terrible APR so only good if you have cash in the bank or a season ticket loan coming in from work.

If I buy my fiancee's season ticket for £4000, I will get 6000 air miles and trigger the £3000 target, meaning 31000 Avios in total. Enough for a business class return to Moscow nominally worth £1200.

There is a £195 fee but if is refunded pro rata so if you cancel next month, in theory, you can get a £1200 flight for about £20 of outlay.

I will keep mine to trigger the two for one flight redemption voucher you get at £10,000.