topic Re: USALLIANCE Visa Signature in Credit Cards

USALLIANCE Visa Signature (Groceries)

CreditCobra — Fri, 23 Sep 2022 16:37:06 GMT

I picked up this card in January of this year, after I couldn't get approved for the AOD Visa Signature. I figured that I'd just collect my 3% on this card at least for the rest of this year and see what happened after that.

Well, i just looked to see if their 3% was extended, however it appears that the end of the year will be the end of 3% for everything. Then I saw something I wasn't expecting, 6% on Grocery and Supermarket through the end of next year. Yes, NEXT YEAR!

https://www.usalliance.org/banking-products/signature-card

Anyone else have any info on this? This might become an excellent backup card for Costco come January unless Affinity decides to keep going. I'm gonna have to go get a hot dog and see if they code Costco as grocery.

Re: USALLIANCE Visa Signature

calisig — Wed, 28 Sep 2022 05:25:40 GMT

Well this is interesting. I considered this card because even after 3% ended, it was to become a 2% card. But now the verbiage has changed and it won't even be a 2% card. Here is the old verbiage that has been deleted: "3 Points per dollar accrual rate is a promotional value and expires on 12/31/2022, at which time points will accrue at 2 points per dollar."

I wonder if the new points structure, which started September 1, will apply to all cards - including those accounts opened before September 1, or only those opened after September 1? In other words, can previous cardholders retain 2% everything? or will they be switched to 6% groceries and 1% everything else?

The USAlliance rewards program is sketchier than I thought it would be, as this categorically changes the purpose of this card.

I wanted to add a 2% card to my collection, and while a 6% grocery card would be awesome, it has an unstable rewards track record ... and can be difficult to join ...

@CreditCobra let us know how your Costco hotdog codes - maybe I'll change my mind - cheers

Re: USALLIANCE Visa Signature

CreditCobra — Fri, 23 Sep 2022 05:31:54 GMT

@calisig wrote:
Well this is interesting. I considered this card because even after 3% ended, it was to become a 2% card. But now the verbiage has changed and it won't even be a 2% card. Here is the old verbiage that has been deleted: "3 Points per dollar accrual rate is a promotional value and expires on 12/31/2022, at which time points will accrue at 2 points per dollar."

I wonder if the new points structure, which started September 1, will apply to all cards - including those accounts opened before September 1, or only those opened after September 1? In other words, can previous cardholders retain 2% everything? or will they be switched to 6% groceries and 1% everything else?

The USAlliance rewards program is sketchier than I thought it would be, as this categorically changes the purpose of this card.

I wanted to add a 2% card to my collection, and while a 6% grocery card wouldn't be bad, it's not worth it to me to add another card that has an unstable rewards track record, so I think I'll pass ...

I've already got the card, and thought it might get sock drawered at the end of the year (and replaced by my Alliant card). Now, it might have a new (and different) purpose. A 6% grocery card would work for me.

Re: USALLIANCE Visa Signature

calisig — Wed, 28 Sep 2022 05:32:38 GMT

If I already had it - 6% groceries would work for me too. I applied seven weeks ago, was approved for $15k. Even though I had provided mortage like documentation, 30 days later was denied CU membership - due to 'unable to verify identity'. I asked for reconsideration and provided additional documentation, but haven't heard back from them. My orignal purpose for obtaining this card was 2% everything, and now it's changed, and they have been difficult. Hopefully they approve me.

Anyway, let us know if you get to keep 2% everything, or if they switch you over to 6% groceries, and how Costco codes. Cheers

Re: USALLIANCE Visa Signature

Anonymous — Fri, 23 Sep 2022 17:25:45 GMT

Just spoke to a CSR, and she said that this applies to new AND existing cardholders, and that if I use the card at a supermarket today I will get 6%. Since CSRs always know and speak the truth....

I will try it soon. If it is as she said, for the last 3 months this will be quite a card, 6% uncapped on groceries, and 3% everywhere else.

Re: USALLIANCE Visa Signature

CreditCobra — Fri, 23 Sep 2022 17:35:50 GMT

@Anonymous wrote:
Just spoke to a CSR, and she said that this applies to new AND existing cardholders, and that if I use the card at a supermarket today I will get 6%. Since CSRs always know and speak the truth....

I will try it soon. If it is as she said, for the last 3 months this will be quite a card, 6% uncapped on groceries, and 3% everywhere else.

Thanks for the info!

Yeah, losing the 3% a the end of this year was already known, as stated in prior comments, this would have gone to a 2% card, but they went a different direction. Actually the 6% on groceries from now until the end of 2023 seems like a great deal for my current lineup. I'll have to see if Costco codes as Grocery.

Re: USALLIANCE Visa Signature

digitek — Fri, 23 Sep 2022 17:42:03 GMT

Glad somebody told me about this because I got no communication from USAlliance about it 😁

Re: USALLIANCE Visa Signature

CreditCobra — Fri, 23 Sep 2022 17:43:46 GMT

@digitek wrote:
Glad somebody told me about this because I got no communication from USAlliance about it 😁

Me either.

Re: USALLIANCE Visa Signature

Anonymous — Fri, 23 Sep 2022 17:45:27 GMT

@CreditCobra wrote:
@Anonymous wrote:
Just spoke to a CSR, and she said that this applies to new AND existing cardholders, and that if I use the card at a supermarket today I will get 6%. Since CSRs always know and speak the truth....

I will try it soon. If it is as she said, for the last 3 months this will be quite a card, 6% uncapped on groceries, and 3% everywhere else.
Thanks for the info!

Yeah, losing the 3% a the end of this year was already known, as stated in prior comments, this would have gone to a 2% card, but they went a different direction. Actually the 6% on groceries from now until the end of 2023 seems like a great deal for my current lineup. I'll have to see if Costco codes as Grocery.

I just noticed this in the footnote!

Maximum points earned per eligible grocery transaction is six (6).

I hope they are really referring to the multiplier. Otherwise, spend $2.50 as a test and instead of earning even 7.5 from 3x, I get 6!

Re above comment: Yes, they have removed the 2x language, but they haven't replaced it with 1x either. And the groceries are time limited, I would find it hard to believe than come 1/1/2024, this would be 1x everywhere card!

Re: USALLIANCE Visa Signature

Anonymous — Fri, 23 Sep 2022 17:48:16 GMT

@CreditCobra wrote:
@digitek wrote:
Glad somebody told me about this because I got no communication from USAlliance about it 😁
Me either.

The lack of communication made me suspect it was new cardholders only, (16 month grocery benefit like the more limited one on chase cards) So I am certainly only going to try a small grocery transaction first. With the new interface, we should see points fairly quickly

Re: USALLIANCE Visa Signature

Kforce — Fri, 23 Sep 2022 18:44:17 GMT

Had the card for 2-3 years

As of 5 minutes ago.

Just logged on

I am getting 6x on grocery and 3x on everything else

Re: USALLIANCE Visa Signature

CreditCuriosity — Fri, 23 Sep 2022 23:38:00 GMT

@Anonymous wrote:
Just spoke to a CSR, and she said that this applies to new AND existing cardholders, and that if I use the card at a supermarket today I will get 6%. Since CSRs always know and speak the truth....

I will try it soon. If it is as she said, for the last 3 months this will be quite a card, 6% uncapped on groceries, and 3% everywhere else.

dont be going back to old habbits of gc's

Re: USALLIANCE Visa Signature

Kforce — Sat, 24 Sep 2022 00:13:58 GMT

@CreditCobra wrote:

Yeah, losing the 3% a the end of this year was already known, as stated in prior comments, this would have gone to a 2% card, but they went a different direction. Actually the 6% on groceries from now until the end of 2023 seems like a great deal for my current lineup. I'll have to see if Costco codes as Grocery.

Have a Walmart and Target on my rewards sheet that did not code for 6x.

I will bet $100 fico dollars Costco is the same.

The rewards did start on 9/1, had a grocery the day before (3x) and on the 1st (6x), same store.

Re: USALLIANCE Visa Signature (Groceries)

Kforce — Mon, 26 Sep 2022 18:50:03 GMT

Went out to USAlliance web page to re-read the fine print today.

Discovered that depending on which path of entry you get two different sets of rewards (fine print)

Main
   Borrow
       Credit Cards
      (Blue banner to learn more about Visa-Signature 3%)
      https://go.usalliance.org/signature-card-rewards

Gets to (3/2) wording
*
Points accrue at 3 points per dollar as of 04/01/2021.
Point accrual rate is subject to change at the discretion of the Credit Union.
3 Points per dollar accrual rate is a promotional value and expires on 12/31/2022,
at which time points will accrue at 2 points per dollar.

or (Other link)

Main
    Borrow
        Credit Cards
                Click on Visa Signature Card

On VS page click on Learn More
https://go.usalliance.org/signature-card-rewards

Gets to (6/1) wording
*
https://go.usalliance.org/signature-card-rewards
Base points accrue at one (1) point per dollar.
Bonus points are available on a promotional basis. As of 09/01/2022,
all eligible grocery store or supermarket transactions on USALLIANCE
Visa Signature Cards will earn five (5) points per dollar above the
standard base point until 12/31/2023.

Base points accrue at one (1) point per dollar.
Bonus points are available on a promotional basis.
Effective 04/01/2021, USALLIANCE Visa Signature Cards
earn an additional two (2) bonus points per eligible
transaction (for a total of three (3) points per
transaction) until 12/31/2022.

Because I am getting the 6% (Grocery), I think they have just missed changing one of the pages.

It could be misleading to new visitor however.

Re: USALLIANCE Visa Signature (Groceries)

Kforce — Mon, 26 Sep 2022 18:56:51 GMT

Correction above

The second path link is

https://www.usalliance.org/banking-products/signature-card

Re: USALLIANCE Visa Signature (Groceries)

CreditCobra — Fri, 25 Nov 2022 21:28:37 GMT

Just got the email...

https://usalliance.hs-sites.com/6-back-on-groceries-with-your-usalliance-visa-signature-card

Re: USALLIANCE Visa Signature (Groceries)

Anonymous — Fri, 25 Nov 2022 21:29:18 GMT

@CreditCobra wrote:
Just got the email...

https://usalliance.hs-sites.com/6-back-on-groceries-with-your-usalliance-visa-signature-card

@CreditCobra wrote:
Just got the email...

Yes, I had just checked that my first three grocery transactions had indeed earned 6x when I got the email! Glad MyFico alerted me first.

For those of use with heavy grocery spend, this really is amazing (for 15 months or so) especially on a no AF card. And, unlike BCP, no cap.

I don't mind the loss of 2%, as I wasn't planning on using it as my 2% card because of the $25 increment redemption structure, and the FTF (though it's smaller than many). Now wait to see what happens after 12/31/2023!

Re: USALLIANCE Visa Signature (Groceries)

Kforce — Tue, 27 Sep 2022 17:13:39 GMT

@Anonymous wrote:

I don't mind the loss of 2%, as I wasn't planning on using it as my 2% card because of the $25 increment redemption structure, and the FTF (though it's smaller than many). Now wait to see what happens after 12/31/2023!

Agree 6% grocery > 2% flat.

* However (IMHO) *

3% flat > 6% grocery

It shows they want to play the rewards game for awhile.

I also will be using it for grocery spend.

Re: USALLIANCE Visa Signature (Groceries)

Anonymous — Tue, 27 Sep 2022 17:27:48 GMT

@Kforce wrote:
Agree 6% grocery > 2% flat.
* However (IMHO) *
3% flat > 6% grocery

I agree with that. But, once the 3% goes away, I want to calculate the impact! With PPMC giving 3% on Paypal transactions, BCE giving 3% up to $6K on online, and AR giving 3/4.5% on mobile, much of the flat 3% is covered. The exception seems to be my vet, who don't take mobile pay...

Re: USALLIANCE Visa Signature (Groceries)

craig10x — Thu, 29 Sep 2022 20:14:34 GMT

I chatted with a live agent and she checked for me...The 6% on groceries (unlimited) applies to end of 2023...The 3% on everything else will revert to 2% (Not 1% as some here thought) after end of December 2022...However she did mention that if they change their mind and decide to keep the 3% then the members will be notifed before year's end...