topic Re: What are your favorite geofenced/limited cards (even if you don't have them)? in Credit Cards

What are your favorite geofenced/limited cards (even if you don't have them)?

TyrannicalDuncery — Tue, 07 Jun 2022 13:36:08 GMT

What are y'all's favorite geofenced credit cards, or credit cards that are otherwise restricted to some category? It doesn't be something you have. (I'd like to hear about the ones you wish you had!)

I'm thinking within the US. Probably a lot of cards are restricted to people in the US, or people outside.

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

PoggersSlayer — Tue, 07 Jun 2022 14:19:34 GMT

PCM , 5% on all spend up to 1k a month.

Addition Financial, some really unique rotating categories at 5% with a 3% travel, 2% gas...no balance transfer fee or ftf

Affinity pre coming nerf

Safe CU has some unique rotators

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

TyrannicalDuncery — Tue, 07 Jun 2022 14:25:05 GMT

Thanks PoggersSlayer! Am I right that you can't even get PCM if you move? It's based on employer? Do you know any workarounds?

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

coldfusion — Tue, 07 Jun 2022 15:33:03 GMT

@PoggersSlayer wrote:
PCM , 5% on all spend up to 1k a month.

Addition Financial, some really unique rotating categories at 5% with a 3% travel, 2% gas...no balance transfer fee or ftf

Affinity pre coming nerf

Safe CU has some unique rotators

Affinity FCU isn't geofenced - a $5 donation to the NJCFE makes you eligible for membership.

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

TyrannicalDuncery — Tue, 07 Jun 2022 16:10:04 GMT

Thanks! I saw somebody say that the Affinity card also has 5% on rotating categories, but I can't find that documented anywhere.

Is that true? Am I thinking of a different card? Is there more than one affinity? Any insight or sources appreciated. Thanks!

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

crystal626 — Tue, 07 Jun 2022 16:24:28 GMT

AODFCU. That PCM card looks great too.

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

unsungivy — Tue, 07 Jun 2022 16:57:21 GMT

@TyrannicalDuncery wrote:
Thanks! I saw somebody say that the Affinity card also has 5% on rotating categories, but I can't find that documented anywhere.

Is that true? Am I thinking of a different card? Is there more than one affinity? Any insight or sources appreciated. Thanks!

They do have a few cards, yes, but you are thinking of the Cash Rewards card. Yes, they do have 5% rotating which applies to several (all?) of their cards. It's not highly advertised. https://ficoforums.myfico.com/t5/Credit-Cards/Affinity-FCU-Hi5-Q2-2022-categories-GAS-Gardening-Supermarkets/td-p/6508155

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

ptatohed — Tue, 07 Jun 2022 17:41:18 GMT

Mid-Florida when it was 2.5% with a $100 bonus.

https://www.midflorida.com/blog/insights/july-2020/visa-signature-credit-cards-new-and-improved/

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

ptatohed — Tue, 07 Jun 2022 17:43:53 GMT

@PoggersSlayer wrote:
PCM , 5% on all spend up to 1k a month.

Addition Financial, some really unique rotating categories at 5% with a 3% travel, 2% gas...no balance transfer fee or ftf

Affinity pre coming nerf

Safe CU has some unique rotators

I did not know about Additional Financial. I can't find their list of quarterly categories.

https://www.additionfi.com/personal-credit-cards/premier-rewards

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

CH-7-Mission-Accomplished — Tue, 07 Jun 2022 18:06:32 GMT

What is PCM please?

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

ptatohed — Tue, 07 Jun 2022 18:51:30 GMT

@CH-7-Mission-Accomplished wrote:
What is PCM please?

This little honey.

https://pcmcu.org/loans/credit-card/

I think it is time to take it off my wish list. I contacted them and there is no way for me to get into the CU.

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

Anonymous — Tue, 07 Jun 2022 19:47:25 GMT

@ptatohed wrote:
@CH-7-Mission-Accomplished wrote:
What is PCM please?

This little honey.

https://pcmcu.org/loans/credit-card/

I think it is time to take it off my wish list. I contacted them and there is no way for me to get into the CU.

So no AOD type trick with the SEG Western Racquet & Fitness Club, Inc. ? Just $65 for one month membership..

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

ptatohed — Tue, 07 Jun 2022 20:40:42 GMT

@Anonymous wrote:
@ptatohed wrote:
@CH-7-Mission-Accomplished wrote:
What is PCM please?

This little honey.

https://pcmcu.org/loans/credit-card/

I think it is time to take it off my wish list. I contacted them and there is no way for me to get into the CU.

So no AOD type trick with the SEG Western Racquet & Fitness Club, Inc. ? Just $65 for one month membership..

Yup, that's what did it for me for AOD and Nusenda. No mention of any clubs or organizations. They seemed only concerned with where I was employed. When I told them local government in southern California, they said that is not one of the employer groups they work with. Doh!

https://pcmcu.org/our-story/who-can-join/

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

cws-21 — Wed, 08 Jun 2022 02:14:47 GMT

@PoggersSlayer wrote:
Affinity pre coming nerf

@PoggersSlayer, do you know something about the Affinity card that I don't know?

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

Elpadrino1 — Wed, 08 Jun 2022 02:58:45 GMT

@ptatohed wrote:
Mid-Florida when it was 2.5% with a $100 bonus.

https://www.midflorida.com/blog/insights/july-2020/visa-signature-credit-cards-new-and-improved/

@ptatohed I currently have this card and was checking their website a few days ago, and noticed that their signature card is no longer a 2.5%; it is now a 2%.

2.0% cash back on online and in-person purchases2

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

PullingMeSoftly — Wed, 08 Jun 2022 16:55:43 GMT

Vantage West Connect, hoping to finally add this to the lineup within the next month or two...been relationship building for the past 6 mo. (Need a dedicated Costco card)

Safe CU also recently changed their Platinum Cash Rewards to a Visa Sig, but I'm, grandfathered in to keep the platinum and can also apply for the Visa Sig (only supposed to have 1 card). Even though the categories are kind of niche, this card has offered wholesale clubs for 2 quarters and the auto repairs category came in clutch this quarter.

PCM (not possible), Langley, and Abound remain on my radar to have a full compliment of 5%'ers.

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

Taurus22 — Thu, 09 Jun 2022 05:36:01 GMT

@PullingMeSoftly wrote:
Vantage West Connect, hoping to finally add this to the lineup within the next month or two...been relationship building for the past 6 mo. (Need a dedicated Costco card)

Safe CU also recently changed their Platinum Cash Rewards to a Visa Sig, but I'm, grandfathered in to keep the platinum and can also apply for the Visa Sig (only supposed to have 1 card). Even though the categories are kind of niche, this card has offered wholesale clubs for 2 quarters and the auto repairs category came in clutch this quarter.

PCM (not possible), Langley, and Abound remain on my radar to have a full compliment of 5%'ers.

PCM and Vantage West definitely. These have long been on my wishlist. But unlike @PullingMeSoftly , I haven't been able to find a back door into Vantage West. Maybe someday.....

And Abound CU has been on my radar, as well.

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

NRB525 — Thu, 09 Jun 2022 08:44:13 GMT

@Anonymous wrote:
@ptatohed wrote:
@CH-7-Mission-Accomplished wrote:
What is PCM please?

This little honey.

https://pcmcu.org/loans/credit-card/

I think it is time to take it off my wish list. I contacted them and there is no way for me to get into the CU.

So no AOD type trick with the SEG Western Racquet & Fitness Club, Inc. ? Just $65 for one month membership..

What is the earn-out timeframe for getting the $65 back through the additional cash back the card provides?

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

Anonymous — Thu, 09 Jun 2022 09:21:03 GMT

@NRB525 wrote:
@Anonymous wrote:
@ptatohed wrote:
@CH-7-Mission-Accomplished wrote:
What is PCM please?

This little honey.

https://pcmcu.org/loans/credit-card/

I think it is time to take it off my wish list. I contacted them and there is no way for me to get into the CU.

So no AOD type trick with the SEG Western Racquet & Fitness Club, Inc. ? Just $65 for one month membership..
What is the earn-out timeframe for getting the $65 back through the additional cash back the card provides?

You are forgetting the intangibles. "Having 'Member Western Racquet & Fitness Club, Inc' on your resume? Priceless!"

Re: What are your favorite geofenced/limited cards (even if you don't have them)?

dlister70 — Thu, 09 Jun 2022 13:41:09 GMT

Vantage West Connect Visa.

https://vantagewest.org/personal/credit-cards/connect-rewards-visa/

I tried a few years ago to get in the credit union by joining the Greater Arizona Bicycle Club, which was a known backdoor method at the time. However, the credit union started only accepting applicants who actually lived in Arizona, so I was denied.

I still get emails from the bicycle club, which reminds me of my failure to this day.

The credit card's utility category is really broad, including electric, water, cell, and I think trash and cable too. I remember it was more desireable than the US Bank + utility category that came out later on, but I did end up getting that card as a consolation prize.