We only have one cc each. We use it abroad .if I buy a couple of coffees, we may pay cash, or with a card. If it costs an extra 1%, we it's not like we spend a fortune on it. If there's a hold on P&O's bill I have never noticed. A few years ago I phoned the card Company to tell them we were going on a cruise and would be visiting several companies, they didn't have my correct phone number so updated it. Next month I got a text. This month you have earned £7.32 on your cash back credit card. I didn't know I had one, so I recon any foreign transaction charges get offset. Lots of important stuff to worry about, so an extra 27p on 2 coffees gets pretty much ignored.