topic Re: 5% CU Impossible to Join in Credit Cards

5% CU Impossible to Join

JamP — Tue, 21 Apr 2020 01:57:27 GMT

Another CU thats impossible to join but look at the rewards... Sure its capped but can you imagine...

Maybe it can help someone... Good card for someone in that geo..

PCMCU’s MasterCard Platinum Offers you CASH BACK REWARDS!

It’s the best Rewards Card around, because no matter what you’re using your PCMCU Rewards card to purchase, whether you’re buying gas, groceries, or a special gift, you can earn 5% cash back on your purchase! It’s that simple!

It’s a straight 5% cash back reward on any purchase, and it goes right back to you!

Any employee of these partnering companies are eligible for membership with PCMCU! When employees of these Select Employee Groups (SEGs) become members, their family members may also join!

Green Bay Area
Select Employee Groups

Alliance Construction & Design
Alliance Insurance Centers, LLC/ Bayland Insurance
CONNECT, powered by American Family Insurance
Amoterra Wellness
Ashwaubenon School District
Bay Motel and Restaurant
Bayland Buildings, Inc.
Bay Tek Games, Inc.
Brown County Graphics
Cash Depot
CGT Football, LLC dba The Green Bay Blizzard
Econo Care Cleaners
Eland Electric Corp.
Five Star Insurance Agency
Foreman Heating
Fosber America, Inc.
Green Bay Anodizing
Green Bay Electrical Workers – Local 158
Green Bay Embossing
Green Bay Packaging Council –
(Local Unions 2-0597, 2-1096, 2-1319, 2-1321)
Heyrman Printing
Highview Custom Fabricating
Hudson-Sharp Machine Company/Thiele Technologies
J-H Appraisals, LLC
MECA & Technology Machine
MCL Engineered Solutions
B&W MEGTEC, LLC.
NEWCAP
Noeldner Enterprises
Northeast Insurance Center
Northern Engraving
Paper Converting Machine Company
Paper Transport Inc.
PDQ Manufacturing
Quality Truck & Equipment
Robinson Metal, Inc.
Rol-Tec, Inc.
Shopko Corporate
S & M Tool
SIA of the Great Lakes, a subsidiary of Bayland Insurance
Ultimate Cleaning
Valley Plating & Fabricating- (A division of Wisconsin Plastics)
Village of Ashwaubenon
Western Racquet & Fitness Club, Inc.
Wisconsin Plastics
Zeta Group Engineering, LLC
ZyQuest

Marinette Area
Select Employee Groups

All American Dream Homes

Bay Area Medical Center Marinette/Menominee

Bay Cities Multi Media Center

Bella Couture by L’Shae

Eagle Herald

Any employee or elected official of Marinette County or the City of Marinette and members of the immediate family of all qualified persons

Marinette, Wisconsin Departments of Natural Resources, Transportation, Revenue and Corrections

Marinette Job Center

Marinette Marine Corp. and their Contractors

Employees of Marinette Marine

Marinette Public School system

Northeast Wisconsin Technical College- Marinette

Prestige Auto Body

Social Security Administration (Marinette)

Stormbreaker Technologies

U.S. Coast Guard (Marinette)

U.S. Department of Agriculture (Marinette)

U.S. National Guard (Marinette)

United States Post Office of Marinette

UW Marinette

Employees of M&M division of Wisconsin Public Service Corporation

Wisconsin State Patrol (Marinette)

Re: 5% CU Impossible to Join

ChargedUp — Tue, 21 Apr 2020 03:23:16 GMT

There's a LOT of hoops to jump through to get the AF waived, and then the cap comes up after only $1000 in spend per month.

If your general spend fits under the cap, it may well be worth it though.

Re: 5% CU Impossible to Join

Anonymous — Tue, 21 Apr 2020 03:24:29 GMT

There is a big loophole:

Marinette Marine Corp. and their Contractors

Just phone them up and ask if there is anything you can make for them! After all, Navy ships are pretty complex and surely there is something that they need. Form a company, then just submit a bid and five years later, if you are lucky....

Re: 5% CU Impossible to Join

KLEXH25 — Tue, 21 Apr 2020 03:33:46 GMT

@Anonymous wrote:
There is a big loophole:

Marinette Marine Corp. and their Contractors

Just phone them up and ask if there is anything you can make for them! After all, Navy ships are pretty complex and surely there is something that they need. Form a company, then just submit a bid and five years later, if you are lucky....

Easy Peasy 😂😂😂

Re: 5% CU Impossible to Join

batsy71 — Tue, 21 Apr 2020 06:41:14 GMT

this card has been known to the churning cc forums for 4 years now

Re: 5% CU Impossible to Join

batsy71 — Tue, 21 Apr 2020 03:50:26 GMT

For someone desperate enough to join here are some way to explore:

1) Any employee or elected official of Marinette County or the City of Marinette and members of the immediate family of all qualified persons

Marinette, Wisconsin Departments of Natural Resources, Transportation, Revenue and Corrections

--------------------- Visit Wisconsin DNR website and sign up for a park clean or some other volunteer opportunity for a weekend, visit Green bay, complete your volunteer task, get the paper work of work done and use it join

2) Green Bay Electrical Workers – Local 158
Green Bay Packaging Council –
(Local Unions 2-0597, 2-1096, 2-1319, 2-1321) -------------Check if any of these unions allow you full membership through payment

Re: 5% CU Impossible to Join

Anonymous — Tue, 21 Apr 2020 04:22:07 GMT

@ChargedUp wrote:
There's a LOT of hoops to jump through to get the AF waived, and then the cap comes up after only $1000 in spend per month.

If your general spend fits under the cap, it may well be worth it though.

A $49 AF drops the $600 potential to $551. Hardly a dealbreaker.

I have seen this card around before. If I could get this card I would not need any other cards really because my monthly spend is so low.

Re: 5% CU Impossible to Join

Anonymous — Tue, 21 Apr 2020 04:52:13 GMT

@Anonymous wrote:
@ChargedUp wrote:
There's a LOT of hoops to jump through to get the AF waived, and then the cap comes up after only $1000 in spend per month.

If your general spend fits under the cap, it may well be worth it though.

A $49 AF drops the $600 potential to $551. Hardly a dealbreaker.

I have seen this card around before. If I could get this card I would not need any other cards really because my monthly spend is so low.

Well, compare to a free 2% or 3%. It's certainly more, but not tons more, plus you would need to be careful to hit very close to a $1000 each month, as going over reduces the gain

Re: 5% CU Impossible to Join

Anonymous — Tue, 21 Apr 2020 05:21:12 GMT

@Anonymous wrote:
@Anonymous wrote:
@ChargedUp wrote:
There's a LOT of hoops to jump through to get the AF waived, and then the cap comes up after only $1000 in spend per month.

If your general spend fits under the cap, it may well be worth it though.

A $49 AF drops the $600 potential to $551. Hardly a dealbreaker.

I have seen this card around before. If I could get this card I would not need any other cards really because my monthly spend is so low.
Well, compare to a free 2% or 3%. It's certainly more, but not tons more, plus you would need to be careful to hit very close to a $1000 each month, as going over reduces the gain

The return is still a whopping 4.59% with the AF if you spend $1K per month.

Clearly the number changes as you go over or under but most of us are adept enough at managing our cards that we could come pretty close to being right at $1K each month.

Re: 5% CU Impossible to Join

ChargedUp — Tue, 21 Apr 2020 06:00:52 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@ChargedUp wrote:
There's a LOT of hoops to jump through to get the AF waived, and then the cap comes up after only $1000 in spend per month.

If your general spend fits under the cap, it may well be worth it though.

A $49 AF drops the $600 potential to $551. Hardly a dealbreaker.

I have seen this card around before. If I could get this card I would not need any other cards really because my monthly spend is so low.
Well, compare to a free 2% or 3%. It's certainly more, but not tons more, plus you would need to be careful to hit very close to a $1000 each month, as going over reduces the gain
The return is still a whopping 4.59% with the AF if you spend $1K per month.

Clearly the number changes as you go over or under but most of us are adept enough at managing our cards that we could come pretty close to being right at $1K each month.

For me, I'd rather the simplicity of a no AF 3% AOD card. I'd bounce off that $1000 cap in less than a week between DW and I putting 100% spend on it. I suppose I could use it as an insurance/utilities/cell phone/subscription services only card. (PG&E may still bust the cap in the summer!)

Like I said though.. If you have lighter spend, this would be a decent grab.

Re: 5% CU Impossible to Join

Anonymous — Tue, 21 Apr 2020 14:12:32 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@ChargedUp wrote:
There's a LOT of hoops to jump through to get the AF waived, and then the cap comes up after only $1000 in spend per month.

If your general spend fits under the cap, it may well be worth it though.

A $49 AF drops the $600 potential to $551. Hardly a dealbreaker.

I have seen this card around before. If I could get this card I would not need any other cards really because my monthly spend is so low.
Well, compare to a free 2% or 3%. It's certainly more, but not tons more, plus you would need to be careful to hit very close to a $1000 each month, as going over reduces the gain
The return is still a whopping 4.59% with the AF if you spend $1K per month.

Clearly the number changes as you go over or under but most of us are adept enough at managing our cards that we could come pretty close to being right at $1K each month.

Right, but that's a return on a fairly small sum of money (obviously views will vary). AOD or whatever gives 3% so this is 1.59% more on $12K a year of uncategorized spend, which is $190 Yes, "free money" but IMO not too exciting, and exceeded by a decent SUB every other year or so

Re: 5% CU Impossible to Join

M_Smart007 — Tue, 21 Apr 2020 16:43:17 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@ChargedUp wrote:
There's a LOT of hoops to jump through to get the AF waived, and then the cap comes up after only $1000 in spend per month.

If your general spend fits under the cap, it may well be worth it though.

A $49 AF drops the $600 potential to $551. Hardly a dealbreaker.

I have seen this card around before. If I could get this card I would not need any other cards really because my monthly spend is so low.
Well, compare to a free 2% or 3%. It's certainly more, but not tons more, plus you would need to be careful to hit very close to a $1000 each month, as going over reduces the gain
The return is still a whopping 4.59% with the AF if you spend $1K per month.

Clearly the number changes as you go over or under but most of us are adept enough at managing our cards that we could come pretty close to being right at $1K each month.
Right, but that's a return on a fairly small sum of money (obviously views will vary). AOD or whatever gives 3% so this is 1.59% more on $12K a year of uncategorized spend, which is $190 Yes, "free money" but IMO not too exciting, and exceeded by a decent SUB every other year or so

I like the 10-15 SUB's a year! .. and yes @Anonymous ,

you can have you're 5th row penny from the bowl of income

Re: 5% CU Impossible to Join

JamP — Wed, 22 Apr 2020 00:54:03 GMT

The main idea for finding a high flat rate cashback MasterCard is so it can be used to offset the Plastiq 2.5% fee.

With Plastiq you can pay virtually anything with a credit card.

You all have great points...

Of course, I won't be getting this card but I figured it was worth the mention. It made me think of the old SallieMae card - low reward 5%.

Where is the churning forum? Maybe I shouldn't know lol I have enough credit cards as it is.

Re: 5% CU Impossible to Join

batsy71 — Wed, 22 Apr 2020 17:27:25 GMT

reddit.com/r/churning

it used to be great few years back and cards like PCMCU, Vantage West got introduced there, but the new mods about a couple of years back blocked all new posts about new cards and only allowed posts discussung the latest Chase/Amex SUB. It became pointless for someone like me who prefers long term cash back...I am a refugee from /r/churning lol