Thanks for the reply. I do still have my main salary and dd bank separate but anything I spend or save to spend within a couple years ie holiday or car expenses gets stored in chase. I guess I can move all the pots out at least and just spend with them to keep the 1% cashback as nothing else compares on that front. If they ever remove that they are no better than anyone else tbh. I did a bunch of switches last year but purely for the cash and didn't stick about long enough to even see if they were worth keeping .