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Old Aug 13, 12, 4:34 pm
Join Date: Aug 2011
Location: WAS
Programs: SPG LTG, DL Plat
Posts: 1,648
The only advantage I see here vs the Ink Bold @ Office Depot is that you can actually withdraw CASH from these. You take a slight devaluation, but if you're looking to hit a bonus spend it's easy and quick.

Since you can only w/d $5k a month, I'm going to assume that as the upper limit of what someone would want to do.

So for one month of service, you PAY:
$10 for 2 loads of $2500
$3 for monthly maintenance (may be able to get this waived if you're a wealth mgmt client at WF?)
$8 for 8 ATM withdrawls at WF ATMS (1st 2 are free) of $500/each

Total is $21 per month and you get to run $5k through your (non Citi) card and get the cash back right away.

5000 UR would be worth $50 even in cash back, but can be worth $60-600 for travel value. $100 is probably a good conservative estimate.

So you do well... not like the mint, I guess, but at $252 per year for 60k points, I'd say it's worth it.

EDIT: if you use your CSP, it'd actually be 64,200 per year after the 7% dividend.

Last edited by DC777Fan; Aug 13, 12 at 4:41 pm
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