Just wanted to share this, it looks like i will be switching cards for the rest of the year.
So, to get the $50 annual credit with Uber Visa, you need to spend $5k or more. I'm currently sitting at $4,190 spent so far since January 1, 2018. I will leave my cell phone bill with Sprint on the Uber Visa for the rest of the year to complete the $5k and for the phone insurance (even though is only 1%/$1 spent). This will put me at $5.5+k for 2018.
I did an evaluation on my Uber Visa to see where I really get 2% for online purchases (i was surprised!). On the table below, you can see that i'm not getting 2% on items i thought i would be or should be, therefore, i figured why not put those bills on my CSP so that i can a least get some URs. To me, URs are more valuable (obviously) than Uber credits.
For all online purchases currently giving me 1% back on Uber Visa, they will now go to the CSP for 1 UR/$1 spent for the rest of the year.
For all online purchases currently giving me 2% back on Uber Visa, they will now go to the CSP for 1 UR/$1 spent for the rest of the year. I will continue to use Uber Visa for dining only. All travel for 2018 is booked, so no need for Uber Visa for this year.
1. I could use my AMEX Platinum since we fly Delta 95% of the time, but with my math, i would only get 8.8k miles/year as AMEX is not accepted on some of my bills.
2. Don't like the redemption on the PenFed Visa Platinum
Is this a good plan? Any other cards I should be using?
| Category | CSP | Uber Visa | Notes | Takes AMEX? |
| San Diego Gas & Electric | 1x / $1 | 1x / $1 | | N |
| Dog Insurance | 1x / $1 | 1x / $1 | | Y |
| Son's School Fee | 1x / $1 | 1x / $1 | | N |
| State Farms | 1x / $1 | 1x / $1 | | Y |
| Otay Water | 1x / $1 | 1x / $1 | | Y |
| Dog Tracker | 1x / $1 | 1x / $1 | | Y |
| Internet | 1x / $1 | 1x / $1 | | Y |
| Netflix | 1x / $1 | 2x / $1 | | Y |
| Sprint | 1x / $1 | 1x / $1 | Only keeping it here for the Insurance coverage | Y |
| Spotify | 1x / $1 | 2x / $1 | | Y |
| Home Alarm | 1x / $1 | 2x / $1 | | Y |
| | | | | |
| Card | Travel | Dining | | |
| CSP | 2X | 2X | | |
| Uber Visa | 3% | 4% | | |
