topic Re: Any card better the uber visa ? in Credit Cards

Any card better the uber visa ?

juniornj23 — Mon, 27 Aug 2018 21:51:56 GMT

I just wondering is the any card better than uber visa on dinning ,restaurants ?

Re: Any card better the uber visa ?

OmarR — Mon, 27 Aug 2018 21:58:12 GMT

@juniornj23 wrote:
I just wondering is the any card better than uber visa on dinning ,restaurants ?

If you can qualify for the Vantage West Connect Rewards VISA, they offer 5% on restaurants AND fast food.

But to qualify, you have to live in the greater Arizona area.

Re: Any card better the uber visa ?

wasCB14 — Mon, 27 Aug 2018 22:00:51 GMT

Chase Sapphire Reserve

3x URs on dining means:

3% cash

4.5% if rewards are applied to travel booked through Chase

Potentially much more if transferred to travel programs

Re: Any card better the uber visa ?

juniornj23 — Mon, 27 Aug 2018 22:09:39 GMT

Wao 5% on dinning out

Re: Any card better the uber visa ?

JR_TX — Mon, 27 Aug 2018 23:01:30 GMT

US Bank Cash+ gives 5% Dining and Restaurants. Only catch is you have to set it up and select that category every quarter or everything reverts to 1%.

Re: Any card better the uber visa ?

OmarR — Mon, 27 Aug 2018 23:06:27 GMT

@JR_TX wrote:
US Bank Cash+ gives 5% Dining and Restaurants. Only catch is you have to set it up and select that category every quarter or everything reverts to 1%.

Their fast food is still 5%, but restaurants got bumped down to 2%.

Re: Any card better the uber visa ?

MrDFinance — Mon, 27 Aug 2018 23:24:28 GMT

CSR can beat it if you redeem the points for travel but outside of a rotating category card Nothing can beat it for cash back redemption year round......

Aside from that the overlooked category is the 2% back on online purchases is pretty solid.... You would think that means online stores or subscriptions but this literally means anything u pay online with the card gets 2% ... Car insurance.... Internet bill....Any Transaction made online......etc....... Like a mini Citi double cash for online purchases....

Re: Any card better the uber visa ?

wasCB14 — Mon, 27 Aug 2018 23:25:05 GMT

Vantage West: 5x is capped at $1,500 per quarter. A likely concern for heavy spenders.

US Bank Cash+ is also capped and limited to fast food.

I'm not finding any info on the "Wao" card. Link?

CSR is uncapped and also counts Uber Eats as "travel" (3X, even if not technically "dining").

Re: Any card better the uber visa ?

JR_TX — Mon, 27 Aug 2018 23:25:33 GMT

@OmarR wrote:
@JR_TX wrote:
US Bank Cash+ gives 5% Dining and Restaurants. Only catch is you have to set it up and select that category every quarter or everything reverts to 1%.
Their fast food is still 5%, but restaurants got bumped down to 2%.

Dang there goes my diet then!

Re: Any card better the uber visa ?

Anonymous — Tue, 28 Aug 2018 00:06:29 GMT

I've made a a few online purchases that were cashed out at 1% It was part of the motivation in getting the Citi DC. The terms specify what "online" means and it's basically retail. If your purchase is coded as anything but you'll likely get 1%

ex.

back brace purchased for a family member -- MCC coded as medical supplies(or something like that)

webserver payment(tried paypal) -- MCC coded as telecommunications

Re: Any card better the uber visa ?

MrDFinance — Tue, 28 Aug 2018 00:14:01 GMT

Ahhh seems like I've been getting lucky then.... Always some pitfalls here and there....

Re: Any card better the uber visa ?

Anonymous — Tue, 28 Aug 2018 00:27:26 GMT

A “grandfathered” Savor with no AF and 4% cash back on dining and entertainment. But you’re asking about for someone applying NOW, not just a whimsical or philosophical question, right?

—Savor $95 AF is waived the first year and has a BIG SUB though that would offset the AF for an additional 5 years and leave you with $25. So essentially 6 years with no AF at 4% cash back.

On a rotating basis, Chase Freedom and Discover It have quarterly 5% cash back on dining and this year it did not fall on the same quarter, so that was 6 months of 5% cash back with no AF.

Re: Any card better the uber visa ?

juniornj23 — Tue, 28 Aug 2018 00:47:22 GMT

I hace discover but chase doesn't like me .

Re: Any card better the uber visa ?

Shooting-For-800 — Tue, 04 Sep 2018 19:08:05 GMT

Savor = 4% dining 4% entertainment 2% groceries with $500 sub and $95 AF waived 1st year

SavorOne = 3% dining 3% entertainment 2% groceries with $150 sub and $0 AF and 0% for 15 months.

BTW = Ducks Unlimited = 5% gas 5% sporting goods and $0 AF.

Re: Any card better the uber visa ?

Anonymous — Tue, 04 Sep 2018 19:15:21 GMT

@MrDFinance wrote:
CSR can beat it if you redeem the points for travel but outside of a rotating category card Nothing can beat it for cash back redemption year round......

Aside from that the overlooked category is the 2% back on online purchases is pretty solid.... You would think that means online stores or subscriptions but this literally means anything u pay online with the card gets 2% ... Car insurance.... Internet bill....Any Transaction made online......etc....... Like a mini Citi double cash for online purchases....

Right, but as later posts show, it's best to get a 2% everywhere card for this than rely on the 2% category (of any card). I would suggest that people should go for such a card ASAP, and just forget any 2% features of a card. (Contrast this with the 3% mobile payment of the US Bank card. That is still valuable as most people don't have a 3% everywhere card)

Re: Any card better the uber visa ?

Anonymous — Tue, 04 Sep 2018 19:18:38 GMT

@Anonymous wrote:

—Savor $95 AF is waived the first year and has a BIG SUB though that would offset the AF for an additional 5 years and leave you with $25. So essentially 6 years with no AF at 4% cash back.

But why bother viewing it this way. Get the Savor and meet the SUB, and keep for the first year. Then close (or PC to no AF if possible) and get the Uber. SUBs are yours to keep, no need to think of it as that makes it OK to pay continuing AFs when there are alternatives

Re: Any card better the uber visa ?

Turbobuick — Tue, 04 Sep 2018 20:22:29 GMT

Costco citi visa; the good and the bad

- 4% gas

- 3% fast food/dining

- membership required/rebates are annual

by far my most used card for modest traveling by car

Re: Any card better the uber visa ?

Turbobuick — Tue, 04 Sep 2018 20:25:19 GMT

My first thought was it's ironic the Uber card has no gas rebate, my second thought was DUH, large percentage of Uber cardholders don't own a car or prefer not to drive.

Re: Any card better the uber visa ?

Anonymous — Wed, 05 Sep 2018 02:38:20 GMT

@Turbobuick wrote:
My first thought was it's ironic the Uber card has no gas rebate, my second thought was DUH, large percentage of Uber cardholders don't own a car or prefer not to drive.

You would think that an Uber card would give you better cash back than the 2% for Uber rides. Of course you can redeem your cash back earned in the form of Uber credits so you would certainly get some free rides. I have never used this card for an Uber ride. I specifically got it so no matter where I eat or drink, it would be 4%. I haven't found any place yet that didn't code it properly where I get hosed on the 4%. If you take enough Uber rides, you would be better off getting the US Bank Cash+ and choosing the ground transportation category for 5%.

Re: Any card better the uber visa ?

Shooting-For-800 — Wed, 05 Sep 2018 03:09:05 GMT

@Anonymous wrote:
@Anonymous wrote:

—Savor $95 AF is waived the first year and has a BIG SUB though that would offset the AF for an additional 5 years and leave you with $25. So essentially 6 years with no AF at 4% cash back.

But why bother viewing it this way. Get the Savor and meet the SUB, and keep for the first year. Then close (or PC to no AF if possible) and get the Uber. SUBs are yours to keep, no need to think of it as that makes it OK to pay continuing AFs when there are alternatives

4% entertainment