Abound Credit Union

[RainboBright]

Interested in thier 5% Gas Card, as I go through about $25k in gas a year.  I have been rebuilding my credit since my divorce, and been able to get some decent cards as of recent, so will need to cool a little as have some recent pulls and new accounts.  Any data points on Abound CU?  Thier website fine print says $10 membership fee, is this monthly, annually, one time?  Get a checking account with them first and let that ride for a few months?  Any info would be great.

[coldfusion]

Abound FCU formerly Fort Knox FCU does get mentioned here occasionally; if you run searches on the site you'll find some data points.  You might want to start your research by searching for "Abound" to get recent info,  "Fort Knox" to get older data points.    Running a search in the Approvals section of the forum should provide some useful info.

As I understand it they nowadays they prefer in-state applicants over non-residents,  not sure if they hold out-of-staters to a higher standard for approval but I believe the limits they now usually get are low enough that in your case if approved you might find yourself having to at least occasionally cycle the card.

[GhostCredit]

I would recommend you to get the pnc cash rewards, it used to have a $100 sub but now $250 for $1k spend, only up to $8k a year. Then look at the citi custom cash. Get cards that has a bonus cause the fort Knox card has no bonus plus I heard they shut down people's accounts as they're sensitive to soft inquiries or something like that.

[Varsity_Lu]

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@GhostCredit wrote:

I would recommend you to get the pnc cash rewards, it used to have a $100 sub but now $250 for $1k spend, only up to $8k a year. Then look at the citi custom cash. Get cards that has a bonus cause the fort Knox card has no bonus plus I heard they shut down people's accounts as they're sensitive to soft inquiries or something like that.

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Only 4% on gas. He'd make an extra $250 every year with a 5% card on $25k gas spend. A capped 4% card with a SUB is a step back. And it's PNC Bank. No thanks. 

[Kforce]

Just a note of caution.

Almost all personal cards from Banks, and Credit Unions have wording that spend should be for personal and normal purchases. They might look at $2,000 a month gas spend as "Business" or "Gaming Rewards", and close the card even if it does not have a cap in the wording.  Depending on which place you look up stats, average spend per person is <= $200 a month.  Would be better to have 4-5, 5% cards and shuffle.

[DaWhole9]

Look into the AAA travel card it's also a 5% gas card.  I think that's the one I will get when I am ready for my next card.  It's only 5% on the first $7000.  Abound doesn't list limitations to 5%.  But might be an option especially if Abound has a cap for 5% cash back.  

[Hansolojr]

I have had their card for around 3 years.  The $10 fee is one time.

I was approved for $2,000 SL while having 4/12 and 4/24 new accounts.  Around 780 fico at the time.  Abound told me all non-Kentucky residents start at 2k.

I requested CLI last year and was told all CLI are hard pulls (TransUnion.)  I asked what can I get with just a soft pull, since any usage at my low limit spikes utilization.  Underwriting then doubled it to 4k with a SP.

The 5% cash back automatically credits upon statement closing so I like it much better than Costco Visa, and the uncapped nature beats AAA/Citi Custom/BofA Customized, in my opinion.  I would just call Abound first to make sure they still accept non-Kentucky apps (unless you already live there.)  Good luck.

[IcyCool7227]

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@Hansolojr wrote:

I have had their card for around 3 years.  The $10 fee is one time.

I was approved for $2,000 SL while having 4/12 and 4/24 new accounts.  Around 780 fico at the time.  Abound told me all non-Kentucky residents start at 2k.

I requested CLI last year and was told all CLI are hard pulls (TransUnion.)  I asked what can I get with just a soft pull, since any usage at my low limit spikes utilization.  Underwriting then doubled it to 4k with a SP.

The 5% cash back automatically credits upon statement closing so I like it much better than Costco Visa, and the uncapped nature beats AAA/Citi Custom/BofA Customized, in my opinion.  I would just call Abound first to make sure they still accept non-Kentucky apps (unless you already live there.)  Good luck.

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What AAA website location are you referring to? It must be for a different region as the https://www.acg.aaa.com/

shows only 3% for gas.

[coldfusion]

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@IcyCool7227 wrote:

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What AAA website location are you referring to? It must be for a different region as the https://www.acg.aaa.com/

shows only 3% for gas.

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Some of the regional AAA entities promote the co-branded cards issued through Bread Financial,  others promote the card issued through US Bank.     The card that gives 3% on gas is the one issued by US Bank, the 5% gas card (AAA Travel Advantage) is one of the ones issued by Bread Financial.

[ptatohed]

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@IcyCool7227 wrote:

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@Hansolojr wrote:

I have had their card for around 3 years.  The $10 fee is one time.

I was approved for $2,000 SL while having 4/12 and 4/24 new accounts.  Around 780 fico at the time.  Abound told me all non-Kentucky residents start at 2k.

I requested CLI last year and was told all CLI are hard pulls (TransUnion.)  I asked what can I get with just a soft pull, since any usage at my low limit spikes utilization.  Underwriting then doubled it to 4k with a SP.

The 5% cash back automatically credits upon statement closing so I like it much better than Costco Visa, and the uncapped nature beats AAA/Citi Custom/BofA Customized, in my opinion.  I would just call Abound first to make sure they still accept non-Kentucky apps (unless you already live there.)  Good luck.

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What AAA website location are you referring to? It must be for a different region as the https://www.acg.aaa.com/

shows only 3% for gas.

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Does this work?

https://www.ace.aaa.com/financial/aaa-credit-card.html?intcmp=nav:allproducts:aaavisasignaturecredit...