I agree with pgary. I've switched from the Ink Cash to the Ink Preferred to pay my cell phone bill.

Yes, I'm getting 2 less UR points per dollar, but the cell phone insurance on the Ink Preferred is a valuable benefit for me. I used to pay Verizon $13 per month x 2 phones for cell phone insurance. Now that I've switched to using the Ink Preferred, I've dropped that $26 per month expense. Over the course of a year, this more than covers the annual fee on the Ink Preferred.