Originally Posted by
Sally Port
I’ll grant you the mobile-wallet point, but IMO earning 3 UR/$ for travel spend (via Ink Preferred) beats 4.5% in credits.
Sure it does, as long as one can redeem for more than 1.5¢/point in value (without foregoing certain status perks). The problem is that the OP is having trouble achieving that kind of value with his UR points.