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|