@Anonymous wrote:
@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%.
I have, and multiple times. 
You only get the 4% for the following MCCs:
5812 - Restaurants
5813 - Bars/Lounges
5814 - Fast food
Which means that bakeries (5462), candy shops (5441), and dairy product stores (5451) don't count. But those are fairly easy to identify. What really throws everything off is some ice cream/dessert shops could either code as 5814, or the dreaded 5499 (misc food stores). If it codes as 5499, you only get 1%.
My solution? Boycott the shops that don't code properly and deny me my 4%! #entitled 
@Shooting-For-800 wrote:
@longtimelurker 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
Unless you spend close to 10k on entertainment per year, still better to just close the Savor and get the Sync Marvel card instead which still gives you 3% on entertainment. (yes it's the one that recently got hacked)
@arkane wrote:
@Anonymous wrote:
@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%.
I have, and multiple times.
You only get the 4% for the following MCCs:
5812 - Restaurants
5813 - Bars/Lounges
5814 - Fast food
Which means that bakeries (5462), candy shops (5441), and dairy product stores (5451) don't count. But those are fairly easy to identify. What really throws everything off is some ice cream/dessert shops could either code as 5814, or the dreaded 5499 (misc food stores). If it codes as 5499, you only get 1%.
My solution? Boycott the shops that don't code properly and deny me my 4%! #entitled
I got one for you. I was inside an amusement park and was unsure how any of their places would code while inside. I stopped at a beer stand. They gave me the 4%!
@Anonymous wrote:I got one for you. I was inside an amusement park and was unsure how any of their places would code while inside. I stopped at a beer stand. They gave me the 4%!
@Anonymous wrote:
@longtimelurker wrote:
@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)
Yes, but remember that the Uber Visa gives a $50 rebate on popular online subscription services if you spend 5k or more in a year. So for the first $5,000, the Uber card is effectively a 5% dining/4 airfare & hotels/3% online/2% non-category card. That said, you're quite right about the Altitude Reserve, although it is less functional for those who don't have a Samsung phone and it doesn't provide extra points for online purchases.
To the OP: provided you don't spend too much over $5k a year on dining and subscribe to Netflix, Amazon Prime, Spotify, etc., no card provides more no-fuss cash back than the Uber Visa at 5%. Of the other widely available cards (ruling out certain CU options), you can get 4.5% on the CSR and the WF Propel/Visa Sig combo, but only if you redeem the points for travel. Of the two, the CSR can be more valuable since you can transfer the points, but it has a high annual fee ($450, $150 after the $300 travel credit); the WF Propel/Visa Sig combo has no annual fee, but it does require obtaining two cards (and having a non-CC WF account for the Visa Sig).
True but this only works out in your favor if you already have an eligible subscription, would've renewed said subscription regardless, AND you're not spending extra just to hit that $5000 to be eligible for the $50 credit.
Lotta ifs.
I guess I must be the outlier then, because I only have Amazon Prime, and even that I'm debating whether I want to renew if I can't get that $50 credit anymore.
@arkane wrote:I guess I must be the outlier then, because I only have Amazon Prime, and even that I'm debating whether I want to renew if I can't get that $50 credit anymore.
Don't feel bad ( I know you don't) because I am another outlier with you. And I don't even have Amazon Prime.
