I'm looking at getting the Sapphire Preferred card you mentioned. $3000/3mo for 40,000 points.

The way I look at it is 3 months of rent payments on WilliamPaid. I'll get charged approx $100 in fees, but if I transfer 1:1 to my UA card, that's 3 segments of flights. $100 for 1.5 flights is a good deal IMO.

Just discovered WilliamPaid - could be a good way to reach spending limits on low fees.