Cash back on dining
Restaurants, Seamless, bars, UberEATs, etc.
Cash back on hotels and airfare
Also includes vacation home rentals
Cash back for online purchases or any purchase made with a mobile phone
Includes Uber, online shopping, music/video streaming
Cash back on all other purchases
Get 1% cash back on all other purchases
4% cash back on dining is the highest bonus anywhere
The Chase Sapphire Reserve offers 3X points on dining and travel, but again those points are locked into a points program. Sometimes those points can be worth more than cash (like when transferring to Singapore Suites class), but for the majority of people, 4% cash back will almost always win. If you order a lot of delivery, I would get this card and get it loaded into Seamless. It’ll be like getting an auto 4% off any purchase you make.
There’s $0 in annual fees, which makes this card a must get
Like I said, the 4% cash back is the highest offered on any card, and with no annual fee, this is the no-brainer card for anyone who eats out even once a month. I’m signing up for this card as soon as it’s available, which will be November 2nd.
Get a $100 bonus on first $500 in spend
Here’s my plan for this card. Attach it to my Seamless account, and then slowly rack up my $100 bonus. With the 4% cash back and $100 bonus, you’ll be saving $120 off your next $500
in restaurant purchases.
You earn 2% cash back on all mobile purchases
Cards like the Barclay travel mastercard offer 2% cash back redeemable for travel purchases, but with this card is better, because cash is always better than points, especially points that are only valuable for travel purchases. According to their terms
, any purchase on a mobile device counts
, so it might be worth using your mobile device to purchase from any category that may not qualify.
Uber Visa Card Fine Print
Do you love Uber? Do you love getting cash back on credit card purchases? Then you’re going to love this new marriage. The popular transportation company is dipping its toe in the credit card business, partnering with Barclays and Visa to create the Uber Visa Card
. Although you can’t apply for the card just yet (Barclaycard will start taking applications on November 2, 2017), new details of the Uber Visa have been released so you can mull it over while you wait.
Uber Visa Card Perks
- No annual fee.
- 10,000 bonus sign-up points after spending $500 within the first 90 days of opening your account.
- 4% cash back on dining, 3% back on airfare and hotels, 2% back on online purchases, 1% back on everything else.
- $600 cell phone insurance.
- No foreign transaction fees.
- $50 credit per card member per year for online subscriptions if you spend $5,000 on the card in a year.
Points can be redeemed for cash, gift cards, or Uber credits. Regardless, 1 point is worth 1 cent. Although the point to cent redemption amount does not change, minimum redemption amounts do.
- Cash back: 2,500 point minimum ($25)
- Gift cards: 2,500 point minimum ($25)
- Uber credits: 500 point minimum ($5)
If you manage to spend $5,000 in a card member year, you will receive a $50 credit towards the subscription of your choice. This includes, but is not limited to, Netflix, Hulu, Amazon Prime, Pandora, Spotify, etc. It’s a pretty cool perk, especially if you are going to be spending $5,000 per year anyway on your card. Why not take advantage of having a little extra something offered to you, right?
If you have an iPhone, you know how expensive AppleCare, their insurance, can be. It typically costs between $100 and $200, depending on what’s wrong with the phone and what model you currently have. That’s why this $600 phone coverage is so important. It covers theft, damage, and the like without question.
Is the Uber Visa worth it?
Yes! With $0 in annual fees, and $100 in cash back after your first $500 in spend, you NEED to get this card once it’s available. Plug the card into your Seamless account or bring it with you when you dine out, because you’ll get 4% cash back on all dining purchases.