Let’s compare the long-term value here.
Dining & Travel is 3.0x points for CSR and a $1.5x value per 100 points -> essentially a 4.5% reward.
Uber Card is 4% on dining and 3% on Travel.
The difference in annual fees are totally different: CSR is $150 ($450 fees minus $300 travel credit) while Uber Card is -$50. (YES, Negative 50 – Uber Card reimburses $50 each year for any subscription e.g. amazon prime while has $0 annul fee).
Assuming a person spends $5,000 per year in travel and dines for $20,000 per year (around $55 per day), then:
CSR will earn 1.5% premium on travel, so $75 more benefits than Uber Card.
And 0.5% premium on dining, so $100 more benefits than Uber Card.
Uber Card wins as the effective saving in annual fee is $200 while the incremental benefit CSR brings is only $175 with our assumptions.