Does COT work out better than paid Barclaycard Avios Mastercard?

[topdost]

Does COT work out Better than Barclays Paid Version

I usually have high HMRC and other credit card bills to pay so have metal as well but trying to Guarge which card is better COT or barclays avios and why.

Thanks

[topdost]

Same question .. cant find any answers … had you any luck

[Nate1309]

I’m interested in this too.

[Peter K]

Surely it’s not hard to work out? CoT is only 1 avios per £ spent, if you pay the £99 yearly fee. Otherwise it’s 1p per £ spent, taxable.

The Barclaycard paid version is 1.5 avios per £ spend with a £20 per month fee (£240 per year).

Decide how out how much you value an avios at, multiply that by the amount you spend each year on the card, then take off the card fee. You can then see which is best for you personally.

Oh, and CoT is only for Ltd company use now, the BC is for personal use.