Originally Posted by
beachfan
Not to me. 5x UR points is way more than 5% cash back to me, more like 8%
They are one in the same. The Ink Classic marketed itself as a UR card. When the Ink Cash came out it marketed itself as a cashback card, however they are in fact UR points that can be combined with the premium cards for transfer just like the Classic, and Freedom cards.