I guess I should have mentioned that I already have both cards, so bonus, hard pulls, and selling of info is not important. I'm just trying to decide which of these two I should keep as an everyday card (alongside my AMEX SPG) and which I should trash. It seems everyone still prefers the Sapphire! It's a shame, because using Cap One points has been so easy.
For those of you who have used UR for statement credits, how simple is it? How far back in time can I apply credits? Can I divide up the expense and only use UR for part of it (e.g. if I spend 900 on AA tickets, can I, after the purchase, divide it up into two tickets of $450 and only use UR as to one of the $450 charges)?