5% CU Impossible to Join

[JamP]

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..

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

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)

[ChargedUp]

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.

[longtimelurker]

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....

[KLEXH25]

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@longtimelurker 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....

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Easy Peasy 😂😂😂

[batsy71]

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

[batsy71]

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

[Anonymous]

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@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.

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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. 

[longtimelurker]

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@Anonymous wrote:

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@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. 

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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

[Anonymous]

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@longtimelurker wrote:

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@Anonymous wrote:

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@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. 

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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

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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. 

[ChargedUp]

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@Anonymous wrote:

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@longtimelurker wrote:

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@Anonymous wrote:

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@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. 

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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.