wiivile wrote:I got my Cash+ card and even though it gives 5x cash back on restaurants/fast food with no annual fee, my CSP is begging to be used more (despite only 2.14x) because UR points are so much more awesome than simple cash back......... (Plus I can use my Freedom during its 5% restaurant quarter and transfer the points to CSP).
2.14%+5.5%+2.14%+2.14% in UR points versus...
5%+5%+5%+5% in straight cash back
Which is better?
CSP+Freedom vs Cash+ is a very tough choice for me.
5% back is still better than the CSP. I use both to keep my balances down. I use one card until the billing cycle closes, then I use the other.
The Freedom is definitely the way to go in 1st quarter, having said all of that because you are getting 5x UR points.