[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.