[Swizec]

> the 1000£ will sit in your bank account and earn interest

You typically use a non-savings account to back a credit card. 0% interest

Most savings accounts give in the area of 0.01% interest.

While you’re right in general that you’d wanna use credit and keep cash for many things, a typical CC transaction is too small for this to be worth considering.

Use a CC for the points and pay it off every month. Forget the interest gains.

Make sure you don’t not pay. The interest on a CC loan will kill you. And that’s far more common for most people.

[billfruit]

I don't know your country, but in many countries banks allow savings account with reasonable interest rates to back a CC. Sometimes they provide automatic gathering up of parked funds in the savings account into a higher interest rate deposit account of even higher interest rate.