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5X points, can be redeemed for travel at a 50% bonus. Equivalent of 7.5% benefit. If you’re traveling eventually and don’t need cash now I would do the CSR.
Get the American Express Blue Cash Preferred card and 6% cash back
The 5% cashback is in UR points, right? So I don’t think it should matter. I’d do CSR just so you don’t have to transfer them over.
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Yeah 5% cashback can be transferred to UR. I’m just getting the freedom unlimited for everyday spend and like Amazon