This is probably the best advice in this entire thread. I have decided to dip my toes in the Ultimate Rewards program and just applied to the CFU card since it is offering the 3% bonus for the first year on ALL spend. If I decide that I like the program, I am going to apply for the CSR card to allow me to transfer my points from CFU to CSR. However, can someone confirm that it is possible to transfer my points to the CSR card after the fact?
For anyone interested, here is the
link to the CFU 3% offer.