topic Re: Thinking about apping for Nusenda Platinum Cash in Credit Cards

Thinking about apping for Nusenda Platinum Cash

Anonymous — Mon, 27 Jun 2016 04:29:15 GMT

Hi everyone,

I'm thinking about applying for the Nusenda Platiunum Cash due to the 5% tuition expenses and also gas and restaurants for 2 quarters. I think it would work well with my Discover IT and possibly Freedom. Does anyone have any personal experience with the card? Is it hard to join a qualifying organization? Are there any organizations that cost nothing to join? Is it easy to redeem points and are points worth 1c each? I'm also thinking about applying for Chase Freedom due to the 5% warehouse clubs for the rest of the year. Is it a good idea to apply for both Nusenda and Freedom? Since I already have the Discover It. Sorry for asking so many questions, I just want to make sure before I begin my app spree.

Thank you everyone.

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Mon, 27 Jun 2016 07:31:24 GMT

I would recommend to do both for the non-overlap of categories. If you want some initial bonus, try the cash back card from Nusenda, which you can also upgrade to the platinum cash card later if you are not in a hurry of the education rewards.

Re: Thinking about apping for Nusenda Platinum Cash

wachme — Mon, 27 Jun 2016 14:25:27 GMT

@Anonymous wrote:
Hi everyone,

I'm thinking about applying for the Nusenda Platiunum Cash due to the 5% tuition expenses and also gas and restaurants for 2 quarters. I think it would work well with my Discover IT and possibly Freedom. Does anyone have any personal experience with the card? Is it hard to join a qualifying organization? Are there any organizations that cost nothing to join? Is it easy to redeem points and are points worth 1c each? I'm also thinking about applying for Chase Freedom due to the 5% warehouse clubs for the rest of the year. Is it a good idea to apply for both Nusenda and Freedom? Since I already have the Discover It. Sorry for asking so many questions, I just want to make sure before I begin my app spree.

Thank you everyone.

Check out this post: http://ficoforums.myfico.com/t5/Credit-Cards/Nusenda-Platinum-Cash-Rewards-Visa/td-p/4622007

There are a few organizations you can join to qualify if you don't work or study in their geographic area. Should be $10-15 one time donation. I joined in 2011 and I believe it was $15 at the time.

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Mon, 27 Jun 2016 14:42:06 GMT

I recently got the Platinum Cash Rewards also for the education category. Discover codes my kids daycare as Education so I was very excited at the prospect, come to find out Nusenda doesn't. Oh well. But so far I'm enjoying the 2% for the first 90 days. I haven't redeemed for cash yet, but it looks like there's a minimum redemption of $50. So that's not great unless you're maxing out the categories easily... Might be a dealbreaker for some. I can't really speak to how hard it is to join b/c I've been a member for years (live here locally) actually was my first bank account.

Re: Thinking about apping for Nusenda Platinum Cash

wachme — Mon, 27 Jun 2016 17:03:47 GMT

@Anonymous wrote:
I recently got the Platinum Cash Rewards also for the education category. Discover codes my kids daycare as Education so I was very excited at the prospect, come to find out Nusenda doesn't. Oh well. But so far I'm enjoying the 2% for the first 90 days. I haven't redeemed for cash yet, but it looks like there's a minimum redemption of $50. So that's not great unless you're maxing out the categories easily... Might be a dealbreaker for some. I can't really speak to how hard it is to join b/c I've been a member for years (live here locally) actually was my first bank account.

Wasn't difficult for me to join and I'm on the East Coast. Redemption is certainly not the most ideal unless you max out categories and/or put high amount of spend as an everyday card.

I wish they put examples of purchases that would fall in particular categories like Discover and the Freedom does. Education could mean just about anything and you won't know until you do trial and error.

Re: Thinking about apping for Nusenda Platinum Cash

kdm31091 — Mon, 27 Jun 2016 17:08:22 GMT

$50 is a high threshold unless it's really your everyday card.

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Mon, 27 Jun 2016 22:09:10 GMT

@Anonymous wrote:
Hi everyone,

I'm thinking about applying for the Nusenda Platiunum Cash due to the 5% tuition expenses and also gas and restaurants for 2 quarters. I think it would work well with my Discover IT and possibly Freedom. Does anyone have any personal experience with the card? Is it hard to join a qualifying organization? Are there any organizations that cost nothing to join? Is it easy to redeem points and are points worth 1c each? I'm also thinking about applying for Chase Freedom due to the 5% warehouse clubs for the rest of the year. Is it a good idea to apply for both Nusenda and Freedom? Since I already have the Discover It. Sorry for asking so many questions, I just want to make sure before I begin my app spree.

Thank you everyone.

Remember if you are planing an app spree Chase has the 5/24 rule on their cards(CSP, Freedom, Freedom Unlimated and Slate) so start with them.

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Mon, 27 Jun 2016 23:57:15 GMT

@Anonymous wrote:
I would recommend to do both for the non-overlap of categories. If you want some initial bonus, try the cash back card from Nusenda, which you can also upgrade to the platinum cash card later if you are not in a hurry of the education rewards.

Can you give me the link that has the sign-up bonus? I tried to look online but couldn't find it. Thanks.

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Tue, 28 Jun 2016 00:10:55 GMT

@wachme wrote:
@Anonymous wrote:
Hi everyone,

I'm thinking about applying for the Nusenda Platiunum Cash due to the 5% tuition expenses and also gas and restaurants for 2 quarters. I think it would work well with my Discover IT and possibly Freedom. Does anyone have any personal experience with the card? Is it hard to join a qualifying organization? Are there any organizations that cost nothing to join? Is it easy to redeem points and are points worth 1c each? I'm also thinking about applying for Chase Freedom due to the 5% warehouse clubs for the rest of the year. Is it a good idea to apply for both Nusenda and Freedom? Since I already have the Discover It. Sorry for asking so many questions, I just want to make sure before I begin my app spree.

Thank you everyone.
Check out this post: http://ficoforums.myfico.com/t5/Credit-Cards/Nusenda-Platinum-Cash-Rewards-Visa/td-p/4622007

There are a few organizations you can join to qualify if you don't work or study in their geographic area. Should be $10-15 one time donation. I joined in 2011 and I believe it was $15 at the time.

Do you think the card is worth it?

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Tue, 28 Jun 2016 04:32:09 GMT

@Anonymous wrote:
I recently got the Platinum Cash Rewards also for the education category. Discover codes my kids daycare as Education so I was very excited at the prospect, come to find out Nusenda doesn't. Oh well. But so far I'm enjoying the 2% for the first 90 days. I haven't redeemed for cash yet, but it looks like there's a minimum redemption of $50. So that's not great unless you're maxing out the categories easily... Might be a dealbreaker for some. I can't really speak to how hard it is to join b/c I've been a member for years (live here locally) actually was my first bank account.

Do you think the card is worth it? and is each point worth 1c?

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Tue, 28 Jun 2016 02:51:31 GMT

@kdm31091 wrote:
$50 is a high threshold unless it's really your everyday card.

yeah I know. I could easily max out the education category and earn $37.5 after 2.5% fee (actually I just found out that there is no fee for paying tuition for my brother with a credit card so I would earn $75 for that quarter). Along with gas and restaurants on 2 quarters, I think I could get $50 a year. I don't know if it's really worth it though.

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Tue, 28 Jun 2016 00:16:27 GMT

@Anonymous wrote:
@Anonymous wrote:
Hi everyone,

I'm thinking about applying for the Nusenda Platiunum Cash due to the 5% tuition expenses and also gas and restaurants for 2 quarters. I think it would work well with my Discover IT and possibly Freedom. Does anyone have any personal experience with the card? Is it hard to join a qualifying organization? Are there any organizations that cost nothing to join? Is it easy to redeem points and are points worth 1c each? I'm also thinking about applying for Chase Freedom due to the 5% warehouse clubs for the rest of the year. Is it a good idea to apply for both Nusenda and Freedom? Since I already have the Discover It. Sorry for asking so many questions, I just want to make sure before I begin my app spree.

Thank you everyone.
Remember if you are planing an app spree Chase has the 5/24 rule on their cards(CSP, Freedom, Freedom Unlimated and Slate) so start with them.

I'm planning on applying for freedom first, then blispay, cash+, possibly huntington voice for utilities but not sure yet, BoA BBR and either sam's club or costco card.

Re: Thinking about apping for Nusenda Platinum Cash

RonM21 — Tue, 28 Jun 2016 23:17:12 GMT

You planning on applying for all of these around the same time? That would be a run for sure.

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Wed, 29 Jun 2016 00:13:25 GMT

I'm also thinking about the AARP card as well because of the $200 bonus just not sure yet.

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Wed, 29 Jun 2016 00:06:44 GMT

I'm planning on applying for all of them on the same day. I just have to decide on huntington voice (just signed up for the checking account and hoping for the $100 sign-up bonus, if not then might not apply), nusenda, sam's club or costco or a dining and a gas card. I have both sam's club and costco memberships (my uncle gave me his sam's club card and I paid for costco since my family buys many things that only costco has).

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Thu, 30 Jun 2016 01:52:06 GMT

anyone wants to chime in? Should I get this card based on my planned app spree?

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Thu, 30 Jun 2016 03:17:13 GMT

If you think you can max out education, that's something not really offered by any other cards, and if you don't mind the 50 minimum redemption, yeah go for it. You mentioned Chase AARP... I was recently going for the 200 offer as well and it appears to be unavailable fyi.

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Thu, 30 Jun 2016 04:34:36 GMT

@Anonymous wrote:
If you think you can max out education, that's something not really offered by any other cards, and if you don't mind the 50 minimum redemption, yeah go for it. You mentioned Chase AARP... I was recently going for the 200 offer as well and it appears to be unavailable fyi.

did you have instant approval? if not, did you have to mail in anything? Thanks.

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Thu, 30 Jun 2016 15:55:11 GMT

@Anonymous wrote:
@Anonymous wrote:
If you think you can max out education, that's something not really offered by any other cards, and if you don't mind the 50 minimum redemption, yeah go for it. You mentioned Chase AARP... I was recently going for the 200 offer as well and it appears to be unavailable fyi.
did you have instant approval? if not, did you have to mail in anything? Thanks.

Yes, it was instant approval and online.

Re: Thinking about apping for Nusenda Platinum Cash

Anonymous — Thu, 30 Jun 2016 16:35:35 GMT

Funny how this little CU is getting some big attention with this card. I have lived in albuquerque my whole life and have banked with New Mexico Educators (Now NUSENDA) my whole adult life. I have all of my stuff with them and would highly recommend them if not for the perks of the card, for sure for the customer service.