topic Re: Uber CC Online Purchases in Credit Cards

Uber CC Online Purchases

Anonymous — Sun, 17 Dec 2017 14:20:32 GMT

Debating between the Uber CC and the Citi DC. Has anybody had any issues getting the online purchases 2% from the Uber CC? Amazon.com, BestBuy.com, etc.? How have phone orders been credited? Thanks!

Re: Uber CC Online Purchases

kdm31091 — Sun, 17 Dec 2017 14:39:39 GMT

Well, as far as the 2% category goes, the Citi DC earns 2% on everything with no worrying about how something codes. From what I've heard the Uber "online" 2% includes most major websites so don't see why Amazon or Best Buy would be an issue.

The selling point (IMO) for the Uber is 4% dining, and to a lesser extent the 3% travel (already several cards out there that do that).

If you are choosing one or the other and intend on using it for most spend, just run the numbers. Will the 4% on dining and 3/2/1% on other categories be more advantageous, or will a flat 2% get you more? Unless your spend is really skewed towads dining, I would think the DC is the better choice (again, if we're choosing one or the other).

Re: Uber CC Online Purchases

digitek — Sun, 17 Dec 2017 15:07:37 GMT

I really like the Uber card, that cell phone insurance benefit kind of puts it over the top to me. If I didn't have CSR I would probably get it. It's one of the highest eating out cash back cards (covers fast food, restaurants and bars), and one of the highest no AF travel cards for cashback.

I have the Citi DC and it is really solid, too.

Can't really go wrong with either of them, unless your spending is really heavy in one category I don't think it will make much difference financially.

Re: Uber CC Online Purchases

Anonymous — Sun, 17 Dec 2017 15:50:27 GMT

@digitek wrote:
I really like the Uber card, that cell phone insurance benefit kind of puts it over the top to me. If I didn't have CSR I would probably get it. It's one of the highest eating out cash back cards (covers fast food, restaurants and bars), and one of the highest no AF travel cards for cashback.

I have the Citi DC and it is really solid, too.

Can't really go wrong with either of them, unless your spending is really heavy in one category I don't think it will make much difference financially.

Yes. But also, from time to time I sadly remind myself, cashback doesn't REALLY make that much difference. 2% on everything (and even 4% on dining), while nice, is a small percentage.....

Re: Uber CC Online Purchases

SBR249 — Sun, 17 Dec 2017 23:48:17 GMT

Barclaycard recently sent out an email that said online purchases made with third party payment services like Paypal, Venmo, Apple Pay, Samsung Pay, and Android Pay now qualify for the 2% CB rate on the Uber card. I would imagine that probably could cover a lot of online purchases if you use those services.

Re: Uber CC Online Purchases

arkane — Mon, 18 Dec 2017 00:40:35 GMT

@SBR249 wrote:
Barclaycard recently sent out an email that said online purchases made with third party payment services like Paypal, Venmo, Apple Pay, Samsung Pay, and Android Pay now qualify for the 2% CB rate on the Uber card. I would imagine that probably could cover a lot of online purchases if you use those services.

I think this took effect on Dec 5 if memory serves. With Paypal now at 2%, I think that covers about 90% of your "online shopping" categories.

Re: Uber CC Online Purchases

Anonymous — Mon, 18 Dec 2017 07:35:25 GMT

@Anonymous wrote:
@digitek wrote:
I really like the Uber card, that cell phone insurance benefit kind of puts it over the top to me. If I didn't have CSR I would probably get it. It's one of the highest eating out cash back cards (covers fast food, restaurants and bars), and one of the highest no AF travel cards for cashback.

I have the Citi DC and it is really solid, too.

Can't really go wrong with either of them, unless your spending is really heavy in one category I don't think it will make much difference financially.
Yes. But also, from time to time I sadly remind myself, cashback doesn't REALLY make that much difference. 2% on everything (and even 4% on dining), while nice, is a small percentage.....

For my current spending habits, the $100 SUB would take a very long time to surpass with the occasional loss by spending in a 1% category... I would have to spend $20000 on FU instead of DC to make up $100.

If it wasn't for price rewind, more likely SP CLI's, and being not Barclays, Citi wouldn't be at the top of my list right now next to Uber.

Re: Uber CC Online Purchases

Subexistence — Tue, 19 Dec 2017 03:16:33 GMT

What about Paypal 2%?

Re: Uber CC Online Purchases

arkane — Tue, 19 Dec 2017 03:19:43 GMT

Yes I said a few posts earlier Paypal is now at 2%.

Re: Uber CC Online Purchases

Subexistence — Tue, 19 Dec 2017 03:21:23 GMT

@arkane wrote:
Yes I said a few posts earlier Paypal is now at 2%.

Sorry I meant paypal 2% cashback mastercard

Re: Uber CC Online Purchases

arkane — Tue, 19 Dec 2017 05:00:47 GMT

Well it's a no-frills no-thrills no-fuss always 2% cash back card with no AF. Really not much more could be said about it.

If you're asking whether to get the Uber card or the Paypal MC, I say getting the Uber is a no-brainer unless you never eat out or travel.

Re: Uber CC Online Purchases

Anonymous — Tue, 19 Dec 2017 05:49:12 GMT

What I found particularly clutch was when I paid for my web hosting, which is based in Europe, I got the 2% back for online purchase with no FTF. That no FTF bit was nice because I've had to pay FTF for this provider using my Citi DC before, which sucked.

YMMV depending on particular hosting service (mine is Gandi).

Re: Uber CC Online Purchases

Hotcoals91 — Tue, 19 Dec 2017 06:32:28 GMT

Does the uber 4% include fast food?

Re: Uber CC Online Purchases

SBR249 — Tue, 19 Dec 2017 06:34:49 GMT

@Hotcoals91 wrote:
Does the uber 4% include fast food?

I can confirm it's 4x for McDonald's, so I'm assuming it's the same for other fast food places.

Re: Uber CC Online Purchases

arkane — Tue, 19 Dec 2017 06:39:32 GMT

@Hotcoals91 wrote:
Does the uber 4% include fast food?

Probably, as long as it doesn't get categorized as "misc food stores - specialty, convenience, markets, vending machines".

Only got 1% back at an ice cream parlor and a gelato cake place so slightly less-than-pleased.

Re: Uber CC Online Purchases

Anonymous — Tue, 19 Dec 2017 10:50:18 GMT

I can't seem to find this in writing, but does this card have rental insurance, extended warranty, etc.? How does it compare to others?

Re: Uber CC Online Purchases

DaveInAZ — Tue, 19 Dec 2017 12:36:29 GMT

@Anonymous wrote:
Yes. But also, from time to time I sadly remind myself, cashback doesn't REALLY make that much difference. 2% on everything (and even 4% on dining), while nice, is a small percentage.....

Take care of the pennies and the dollars will take care of themselves.

Re: Uber CC Online Purchases

SBR249 — Tue, 19 Dec 2017 17:23:05 GMT

@Anonymous wrote:
I can't seem to find this in writing, but does this card have rental insurance, extended warranty, etc.? How does it compare to others?

I have the Visa Signature version of the card and it came with a benefits brochure which lists the standard VS benefits so I assume those are included.

Re: Uber CC Online Purchases

kdm31091 — Tue, 19 Dec 2017 17:35:07 GMT

@DaveInAZ wrote:
@Anonymous wrote:
Yes. But also, from time to time I sadly remind myself, cashback doesn't REALLY make that much difference. 2% on everything (and even 4% on dining), while nice, is a small percentage.....
Take care of the pennies and the dollars will take care of themselves.

This is true, but cash back rewards aren't the only way to save. Cutting out one meal out a week and putting that money into savings may well save you more money in the long run than a 4% reward. The 4% (or whatever) reward can become a convenient excuse to justify spending more, defeating the purpose.

Of course, that's the more "boring" approach, as we all love our rewards. But if we're truly talking about saving pennies and dollars, I think lurker's point is that cash back rewards are pretty low on the list. You can save more money in other ways. Cash back is a nice little bonus, that's all.

Re: Uber CC Online Purchases

Anonymous — Tue, 19 Dec 2017 19:54:13 GMT

I just app'd: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Uber-Visa-quot-Thanks-for-your-interest-Your-application-is/m-p/5117662

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