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I bank with SoFi. 2.25% APY on a checking (like) account. $1.5M FDIC insured (not that I care/need it). Access to practically ALL ATMs. Beautiful app.

I use Uber Visa Credit Card, which is free, which auto pays itself from my SoFi, with helluva lot benefits: 4x dining, 3x travel.

Why should I use Point?

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1) SoFi, by itself, isn't offering you points 2) You're only getting points by using your Uber Visa Credit Card. That's defeating the purpose of this product which is getting away from CCs.

I'm really asking out of ignorance here: What's wrong with credit cards other than the fact that they don't bill my account immediately (which might actually be an advantage sometimes?)

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