[snr]

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?

[dansoto]

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.

[snr]

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?)