topic Re: UR Mall clarification in Credit Cards

UR Mall clarification

Jaylima91 — Tue, 26 May 2015 23:29:42 GMT

Let me understand this. Pretty ignorant, I know. Let's say I shop at the Microsoft Store through UR portal which earns 4x/1$ spent. Is that in addition to the 1pp$ you earn on uncategorized purchases? So a total of 5x/$?

Re: UR Mall clarification

Anonymous — Tue, 26 May 2015 23:31:37 GMT

@Jaylima91 wrote:
Let me understand this. Pretty ignorant, I know. Let's say I shop at the Microsoft Store through UR portal which earns 4x/1$ spent. Is that in addition to the 1pp$ you earn on uncategorized purchases? So a total of 5x/$?

Not quite. It's 4X1, so you get a total of 4 pts/$1,. It's not 4X plus 1

Re: UR Mall clarification

dwz55 — Tue, 26 May 2015 23:36:40 GMT

Yes you get 4 points on the subtotal before taxes and you get 1 point for the entire amount so 5x points.

Re: UR Mall clarification

Jaylima91 — Tue, 26 May 2015 23:37:45 GMT

Yes or no?

Re: UR Mall clarification

DeeBee78 — Tue, 26 May 2015 23:42:36 GMT

It depends on the verbage. If it says "extra" cashback, that's in addition to the standard 1% on uncategorized purchases. If it doesn't say extra, then it's total.

Edit: Just checked the portal. Looks like all the stores say "extra" so it should be in addition to the standard 1%.

Re: UR Mall clarification

ksantangelo23 — Tue, 26 May 2015 23:46:41 GMT

It will be however many points on top of what bonus you'd get without it.

Microsoft = 4% UR Bonus + 1% Everywhere = 5% Back

For Freedom Quarter:

Overstock = 3% UR Bonus + 4% Quarterly bonus + 1% Everywhere = 8% Back

Re: UR Mall clarification

ksantangelo23 — Tue, 26 May 2015 23:47:18 GMT

@Jaylima91 wrote:
Yes or no?

Yes

Re: UR Mall clarification

Anonymous — Tue, 26 May 2015 23:48:08 GMT

Yeah, I was wrong. In this case it is an extra 4 pts for a total of 5 pts

Re: UR Mall clarification

Jaylima91 — Tue, 26 May 2015 23:49:47 GMT

Thank you for the clarification!

Re: UR Mall clarification

Anonymous — Wed, 27 May 2015 01:42:26 GMT

Looking at

http://www.cashbackmonitor.com/Cashback-Comparison/?search-store=microsoft

depends on your valuation of URs. So BeFrugal offers 7% + whatever your credit card gives you, TopcashBack gives 12% + cc rewards on non-game software etc...

Re: UR Mall clarification

Jaylima91 — Wed, 27 May 2015 02:02:37 GMT

@Anonymous wrote:
Looking at

http://www.cashbackmonitor.com/Cashback-Comparison/?search-store=microsoft

depends on your valuation of URs. So BeFrugal offers 7% + whatever your credit card gives you, TopcashBack gives 12% + cc rewards on non-game software etc...

Actually, that's quite interesting. Thanks LTL

EDIT: Would you recommend a 2% CB CC to maximize cashback earning potential? Maybe like the DC?