Bumping this thread to ask what's likely an obvious, but wouldn't the 2.9% fee with cc's through PayPal (in order to take advantage of the Ink+ 5x UR earn with Gyft) be a deterrent to most? Is 2.9% of your purchase amount a good value for 5x UR in return?

I'm only asking because I'm considering picking up some Whole Foods GCs since I don't have a grocery card and typically earn 1p/dollar with AmEx SPG, CSR or Freedom anyway. Might as well maximize earn for the same amount of spend by purchasing GCs in advance.

I'd just like to know whether it's generally worth spending the 2.9% fee for the extra points though?