How could a credit card with no points/benefits be valuable? You can get just as much value with a Debit card, whilst keeping the extra funds in a interest bearing account and not cost a cent to transfer it. If you are counting the cents, it will work out better in the long run.Last year in Europe, I spent the extra dollar several times paying off my 28 Degree card while over there, and still had over $7000 debt on it to pay off when I got home. So it saved me about $300 relative to using other cards with fees. I can't close this card, it is too valuable.
And if you are spending that much on a Credit card overseas, you could an ANZ Travel Adventure visa and get the FF points as well at 0.75 VFF per dollar. That alone will pay the annual fee
nothing is changed in that regard and you are in the same boat as self-employed small businesses.Life is tougher for us superannuation pensioners. The cards we can apply for generally don't have the big bonuses we could apply for when working, and for the ones we do apply for, we spend ages explaining to people somewhere in the Philippines or India that our net income is nearly the same as our gross income.