[manyxcxi]

I really liked the concept of Final and I used mine for all one-off purchases from random merchants online. The app made it very easy to generate a card on the fly, the UI was nice, and support was nice and helpful the couple times I reached out.

I found, probably like a lot of others, I just didn’t put much volume through it. The rewards were just too weak compared to any of my other cards to justify using it as a primary card.

The rewards (1% cash back) would never pay for the (initial) yearly cost. When I called to cancel my card citing the yearly fee they waived it- and two weeks later announced they were killing the yearly fee.

In the two-ish years I had the card I put roughly $1,500 through. Comparatively, I have averaged over $9K/mo through my AmEx Platinum in the last two years.

[lewisl9029]

Yeah, the lacklustre rewards is definitely one of my pet peeves with it too. That and the foreign transaction fee, which killed the prospect of using it for shady foreign websites.

Also, one thing that Privacy gets right that Final didn't was the UX around virtual card generation. Privacy had browser extensions that let you generate new cards and autofill them on just about any website. Final never did, and that made making online purchases with a one-time Final virtual card a huge chore (though still less so than using a regular physical credit card).

If someone makes a Final clone that has 2% flat cashback, no foreign transaction fees, and a browser extension, I could totally see myself putting all of my purchases on it by default without a second thought.