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The Uber Credit Card is no longer the best card for dining. We’ll look at alternatives to the Uber card and how they stack up.
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43 comments
We use AARP card for dining and gas only. The Savor at 4% would require a dining spend of $9500.00 annually to break even. We live in a small town so cash back on gasoline is much better “transportation” rewards.
I only have Uber Visa Card for 2 months before getting the email about the product change. They give me until May 2020, before the change happens. Should I cancel the card after getting a replacement card for it or should just leave it and just stop using it?
Wells Fargo Propel 👍🏾
No love for Amex Gold, Amex Green + Schwab, or Prestige card?
I like my wells Fargo propel a bit more than my chase aarp card; travel rewards, low balance cancelation and zero fx fees outweigh the lower acceptance of Amex. Now that I have the aarp card, I'm constantly getting target mail flyers to join yet I'm in my 20s…
I would point out that the Cash Rewards mastercard gives 5.25% on dining to platinum honors members
GREAT VIDEO SEBBY! I feel like the Wells Fargo Propel is a GREAT option that I think we may jump for, especially when factoring in the Cell Phone Insurance. I also LOVE the idea of NO ANNUAL FEE! GREAT VIDEO! 👌😀
If it’s just Cashback Im after I would use my boa Cashback card 3.75% to 5.25% depending on the assets you have with them plus you can pick your category each month
Did you say “as of today” and flash Nov 28, 2019?
I recently tried to get a wf propel (before uber change). I'm taking hits to my credit now while I'm in school so when I graduate I have a solid base of keeper cards and no inquiries (strategy I picked up from this channel).
Denial letter said too many trades in 24 months, and too many inquiries in 24 months. I'm 9/24 on cards and 6/24 in experian inquiries. Denial letter listed by score as 759. Called Recon and they specifically mentioned the 6 cards I've opened since start of the year. I have 6 year history with wf and my first credit card a little under 3 years ago is a wf student card I almost never use. Limit on it is $1900, lowest limit on any card. Made the point that my card has a min credit limit of $500 and propel's min is $1500 so they wouldn't have to extend too much more credit to me. Also brought up my history with them. They sent it to underwritting and it got denied again, and they pulled my credit a second time.
Long story short, I got approved for a savor one.
Capital One Savor for the win – they hit me with a 4% cash back offer on every purchase through the end of the year (not just dining) at the beginning of October and I have been slaying it ever since. I was lucky enough to get in at the $500 intro bonus so this card has been an absolute winner for me.
I highly enjoy your videos Sebby!
I have had the AMEX Propel for about a year now and it’s going to be one of my keeper cards for life! For the most part, I cannot complain about it besides this tiny little thing lol. When you want to use the Go Far rewards (Wells Fargo reward points name) on cash back, you can only redeem in increments of $25 versus like chase rewards, you can redeem your cash back rewards in whatever amount.
Done with Wells after opening accounts under my birth name and social. I can handle a bad employee, but the company needs to preemptively notify and correct, not wait for class action lawyers to let the cat out of the bag.
The same way people justify the CSR travel credit, I can justify the Amex Gold after its $120 credit. Anyone who spends consistently in restaurants can see their point balance grow exponentially at 4X. Supermarkets at 4X is a bonus. Of course nothing comes for free…
As someone who has both the CapitalOne SavorOne and the Wells Fargo Propel, I agree that the Propel is a better overall analog to the Uber Card but I'd give the edge to the SavorOne as a dining card for three reasons:
1. The Propel is an AMEX while the SavorOne is a no AF MasterCard WorldElite (I believe all Savor and SavorOnes are World Elite even if you're given a limit well below the standard threshold).
2. Wells Fargo only does cashouts in increments of $25 while CapitalOne has no restrictions and tends to award points immediately after a transaction posts.
3. Wells Fargo doesn't allow you to keep account history between product changes (they close and open a new account), while CapitalOne does.
The issue for me with the Propel is that it's a lot like the PNC Cash Rewards (which is admittedly worthy of consideration now the the Uber Card has changed). It offers a lot but it's mostly non-optimal:
1. For Travel/Hotels it ties with the BBVA ClearPoints card, but since BBVA is a choose your category card, I consider it better. I think it's unlikely that someone who would choose the Propel as their primary Travel card does much traveling anyway, so they probably wouldn't use this most quarters.
2. For Rideshare/Ground Transit the USB Cash+ card beats it at 5%, the only downside being there's probably a better category to select for most people.
3. It ties with the PNC Cash Rewards on Dining while doing 1% worse on Gas, which itself does 1% worse than optimal. If you were just looking for a broad spectrum 'everyday' card PNC is probably a better choice (unfortunately I can't comment from experience since I don't own the card).
Ultimately this leaves the Propel in a spot where it's not really the best at anything other than select streaming services, which (aside from Hulu's Live TV service or something) are unlikely to add up to much. Unless you're someone who wants to completely avoid fees and wants to minimize the number of cards they use, I don't think the Propel makes sense past the welcome bonus. I suppose the fact that the points can be transferred out is worth consideration, but I think the points game basically requires a willingness to accept cards with annual fees, many of which offer better multipliers/perks on travel than this card would.
I think the Propel is a VERY smart offering from Wells Fargo because it looks a lot better than at actually is at a glance. Once you break it down though, I'm not sure who it's really for. In essence it's a travel card for people who don't actually travel.
I was literally about to apply a few days ago.. So glad I didnt
Hey there, was wondering if you could provide some insight and tips on how to best set up a strategy for couples. Getting married next year and am looking to get the most from our spend. My thought is to get CSR and use for travel and dining. While having my fiance get the amex blue cash preferred for groceries gas and subscription services and then have myself as an authorized user on the amex. Thoughts? As always great videos.
Thanks!
AARP does not give u chase UR points. Different point system. Correct?!
AARP does not give u chase UR points. Different point system. Correct?!
Does the Wells Fargo card count toward the Amex "Once in a Lifetime" rule? I might want to get the Amex Platinum down the road, but I would also want its bonus
I have 9 credit cards. I’m surprised that I actually use the SAVOR card the most on a daily basis. Very underrated card.
I cancelled my gold right before this announcement, because the airline gift cards don't work anymore, and the roadside assistance was downgraded. I got a green that is worse on earn, but with a 45k bonus for a year it's way better. Next year after I revaluate I can go after another bonus or just get a savor.
I have a question I asked on a separate post of yours. If I cancel my Uber card which is one year old and my average age of accounts across my 6 cards is 1.9 years. Will this dramatically hurt my score?
Heyy sebby, I was just surfing thru chase website today and decided to apply for CSP. It was on my wanted list for a while since I only had freedom and Amazon prime signature reward from chase, they were the highest limit card for me with each being $4.5k..
coming to the point, on chase website it was stated get decision within seconds and I was like hmm okay lets do this, and within 2sec they approve me with limit of $13.5k..
Now, I am wondering if they did a hard pull or no pull at all cause it didn't mention any credit check, was kindaa confused so..
Would be glad if you could answer this & ty in advance
freaking uber…
I always felt like the Uber credit card was too good to be true and now we all realize it was just a trap!
Bank of America Cash Reward card lets you pick 3% dining option (non-rotating, can change once a month)
Chase sapphire preferred!
also even with a 5% cash back, Lyft is STILL cheaper.
Using my Chase Sapphire Preferred on Lyfts from now on
I was thinking of going to the Savor, or Savor one, not only for the dining cashback but the fact that you can do a balance transfer. However, what I'm mainly looking for is the best balance transfer card that allows the highest credit limit available. Would this be one of the Savor cards, or something else?
You wouldn't need to add another Wells Fargo card. Wells Fargo will do it for you.
Fuck Wells Fargo
Blue Cash Preferred+Cash+Double Cash (my bad)
I got my Savor 👴'ed. No annual fee, 4%! And its metal and shiny.
I'm very pissed at uber card. I even stopped using Uber for car rides. Lyft it is from now on.
Sebby you are the MF best! Keeping being awesome!
BOA Cash Rewards at 3% dining category
What is the aarp card is that the same one for 50 yrs an older
9:50 5,000 employees made the same "mistake?" Quite a coincidence #sarcasm
Just want a dining only cash back card with highest % back no annual fee.
Question, I currently only have Costco citi and quicksilver and I want to get into better rewards. I have excellent credit and history with well over a decade of no missed payments ever, and always paid in full. My main spending is online shopping and dining, and occasional travel. What would be the best card to get? I know chase has rules on applying so I’m guessing I should start there but the 2.25% (after transferring UR pts) is still much less than the Amex gold 4% on dining with 3% travel, so, only reason to get CSP imo is the signup bonus. Am I missing something?
Is the SavorOne card metal or plastic
Syncrony gives low credit limits