In this episode of Banking Without Borders, we build the ultimate UK credit card ladder — starting with credit builder cards for beginners and working all the way up to premium lifestyle cards like Amex Platinum and even invite-only cards like Centurion.We explain:• Why timing matters when applying • How to move from tier 1 to tier 5 • The difference between cashback and airline miles • When annual fees actually make sense • Why most people use Avios cards wrong • The biggest credit card mistakes in the UKFrom starter cards like the Barclaycard Forward and Capital One Classic, to cashback options like the Lloyds Bank World Elite, travel cards from NatWest, airline ecosystems with British Airways and Virgin Atlantic, and lifestyle cards from American Express — we break down who each tier is actually for.This isn’t about flexing status. It’s about using credit strategically.If you want to build credit, maximise rewards, and avoid expensive mistakes, this episode is your roadmap.Connect with us (via LinkedIn) Jan: https://www.linkedin.com/in/jan-watermann/ Jonny: http://www.linkedin.com/in/jonny-pease Got 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.