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In the UK (which broadly follows the same rules), I get 0.25% with a Visa and 1.25% with Amex. Sometimes there are introductory offers for a few months.


And as a result of that, Amex is often not accepted.


And is largely dying out as far as I can see; it’s only even still issued in a couple of European countries.


Looking at my spending in the UK, about 90% goes through Amex. Even the small corner shop takes it.


I only get cashback on my Amex, nothing with Visa or Mastercard; perhaps I could shop around but over 90% goes on my Amex so haven't bothered to.


At least in the UK Amex interchange fees are not capped like Visa and Mastercard.




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