If I have to get a replacement and decide that my BBP doesn't cover enough for me, the new 2% Bread Amex (with Amex deals and free appetizers etc) looks yummy. As does Paceline (when I run the numbers, that card could be crazy good and more than offset the small AF). I'm sneaking up on Platinum Honors, so a BofA flat rate would give me 2.62%, so that'd be a possibility as well. From the "old" batch of flat rates, PenFed would prolly be my choice there for not juggling any fees etc.
Sock - 
On my 
Debit Cards - 
There's quite a few 2% cards out there that will likely make it for the long haul. I'll throw another one in the ring. This CU can be joined via NC Consumer Council membership. No checking account needed like PenFed requires.
Agree that there are a *LOT* of 2% uncategorized and uncapped cash back cards with no annual fee that could be solid contenders to replace AOD FCU Visa Signature. Of course, for those who still have it, we're grandfathered in at the 3% rate as far as we know right now. The 2% cards would probably be a fairly safe bet to minimize the chance of that card also getting nerfed, since 2% seems to be a viable rewards option now for many lenders.
There was a similar thread started 11/08/2021 "So there's no other bank offering a flat 3% cash back card?" The focus was on cards that pay *cash* back. I'll point that out since it seems that travel points cards sometimes get added to these discussion but that isn't what many members want when they are looking for a good flat-rate cash back return. In that other thread, I made a list in >>Message 6<< listing all the cards I knew about that offered more than 2% back in cash.
Of those cards, AOD FCU Visa was far and away the strong card offering permanent 3%. US Alliance Financial Credit Union has offered 3% on their card in phases and it's currently offered through 12/31/2022. There are two cards that offered enhanced cash rewards with deposits on file with Bank of America or Fidelity. These require deposits of at least $50K and up to $2 Million, with progressively higher rewards on each. The Bank of America Premium Rewards is the most attainable, with 2.25% ($50K deposits) or 2.625% ($100K deposits). Premium Rewards also earns up to 3.5% on all dining and travel. On a budget with 25% in dining and travel, the Premium Rewards overall return would be about 2.85% at the Platinum Honors level ($100K.)
IMO, the most solid contender to replace the AOD FCU Visa would be the Alliant Credit Union Visa Signature. It earns 2.5% cash back with no annual fee on spending up to $10K monthly. There are some deposit requirements to earn that return, but it's probably the most attainable, highest earning flat-rate card right now for the average consumer.
@Aim_High wrote:IMO, the most solid contender to replace the AOD FCU Visa would be the Alliant Credit Union Visa Signature. It earns 2.5% cash back with no annual fee on spending up to $10K monthly. There are some deposit requirements to earn that return, but it's probably the most attainable, highest earning flat-rate card right now for the average consumer.
I'd agree that the Alliant is the best out there now. The deposit requirement is only $1,000 and take a quarter or more to get to the higher rewards, but it's a solid card.
As others have said, 1.5-2% unlimited cards are plentiful. In my own personal experience, the Amex Cash Magnet is severely underrated. No AF, and you'll often get offers from Amex like the current spend $4,500 and get $45, effectively making all that spend 2.5% back. Those offers aren't always active so it averages out to around 1.8-2% back, plus other coupons and offers. I had the Cash Magnet and Citi Double cash for a long time, and the Cash Magnet was a much, much better value.
@1LostArk wrote:As others have said, 1.5-2% unlimited cards are plentiful. In my own personal experience, the Amex Cash Magnet is severely underrated. No AF, and you'll often get offers from Amex like the current spend $4,500 and get $45, effectively making all that spend 2.5% back. Those offers aren't always active so it averages out to around 1.8-2% back, plus other coupons and offers. I had the Cash Magnet and Citi Double cash for a long time, and the Cash Magnet was a much, much better value.
I would say that the new Bread AmEx is superior to the Cash Magent except for the fact that AmEx is not your customer service. 2% vs 1.5% and it will ALSO get AmEx deals (plus the free apps at some restuarnts). The real kicker is that it has no FTF, while the Cash Magnet does.