Aqua can provide transaction alerts via text message.
It’s not quite as nice as proper native notifications, but it is close.
As far as I know, there is no card currently on sale that offers 0.5% cashback and fee-free spending abroad - again, the now-closed-to-new-applicants Aqua Reward is the only card I am aware of that ever did!
So if I were you I would use your Amex card in the U.K. only, the Aqua card where Amex isn’t accepted and abroad, and switch on text message alerts for the Aqua card.
In a way, text messages may actually be better for being abroad than native notifications, as they don’t use any data. My network allows me to receive texts for free anywhere in the world, and only charges to send them, so this is pretty good as I can keep receiving my text alerts for free as long as I have phone signal.
Edit: Yes, I did post on this before - just checked!
Don’t credit card companies have to make a profit somewhere along the line? I mean, without the intention of coming across as patronising or sarcastic, they’re not charities, they have to make money from somewhere. Ok, I accept, there are customers who don’t pay back what they borrow on time and end up paying ridiculous amounts of interest, but that aside…
Yes, if you tend to use Apple Pay or Google Pay, then turning on text alerts for other transaction types may be OK with Aqua - most spending would still be via a proper notification, and all spending would come with some kind of notification, although some would be through text.
Strangely I too haven’t been receiving my usual email notifications when someone replies to me/mentions me. I haven’t been having this issue on the other Discourse forums I visit so it seems specific to FT. @Liam is this a known issue?
I’m not sure you’ll find many credit cards with 0.5% cashback at all anymore, let alone with the other requirements. I would simply separate out the requirements and carry a couple of cards instead.
Two potential other options spring to mind:
Revolut gets close but with only 0.1% cashback (technically isn’t a credit card and needs a monthly subscription for the cashback)
Curve card fronting a normal credit card would give instant notifications and near fee-free foreign transactions (also technically not a credit card and comes with other challenges and forex limits)
Why do you need instant notifications (if Apple/Google pay can’t help)? Many of the traditional banks are getting close with immediate recognition of any pending transactions within the app (which allows you to check the amount is correct before leaving the store)
For clarification, the reason for the credit card ,its only function, is abroad spending/vacations.
For example car rentals, hotels, restaurants etc where I’d like to keep track of what my card is doing.
My starling account of course is fine here but I prefer to spend on a credit card and repay when I’m home, also some places hold a pre-approval which via my debit card would take my cash balance down.
So Amex for pretty much all spending in Sterling (directly or PayPal or Apple Pay ) then Aqua or Barclaycard Rewards for vacations ( which other than instant push notifications I’m getting what I want )
I also have curve & revolut but don’t use them anymore