In this episode, Jan and Jonny put Monzo's new £15-a-month credit card, Aura, under the microscope — what you actually get for the fee, how much you'd need to spend or invest to break even, and whether it holds up against the cashback cards you can get for nothing.What we discuss:1% cashback on groceries, 0.5% on everything else — and which supermarkets actually countThe break-even maths: £1,500 a month on groceries, or £3,000 elsewhere, just to cover the feeApple TV, Google AI Plus and lounge passes — is the "worth £360 a year" claim real?Spending abroad at Mastercard's rate, and earning cashback in PortugalThe investment fee waiver — who it helps, and why most people should ignore itThe Flex-to-Aura funnel, and the flexed payment that earned no cashbackThe metal card: beautiful, but at 14g the lightest metal card we've weighedWhy the interchange cap means a free version was never on the tableLloyds Ultra, Amex Cashback, Barclaycard Rewards and Revolut Metal — how Aura comparesHalf-baked, or just not for you? Who should actually get this cardJoin the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]

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“What did the council decide on item 42?” — answered with the speaker and the moment.