BCU Cash rewards Additional 2% Oct - Dec 2500 cap.

[CreditCuriosity]

BCU just sent out offer of additional 2% for 4% CB on their Cash Rewards CC up to 2500$ for October - Dec.  Not a ton but something is better than nothing an extra $37.50.  Just got by email just had to click to activate.

[redpat]

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@CreditCuriosity wrote:

BCU just sent out offer of additional 2% for 4% CB on their Cash Rewards CC up to 2500$ for October - Dec.  Not a ton but something is better than nothing an extra $37.50.  Just got by email just had to click to activate.

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Isn't $50?  The max per billing cycle is $37.50, so I think you will get $50's CC, $12.50 carryover into the next billing cycle?

[CreditCuriosity]

@redpat  I think you are correct.  Didn't read it closely will through it into AI in a bit and figure it all out so i dont need to think. Thanks for fixing that for me.

[ptatohed]

Yeah, looks like .02 x $2500 = $50 to me. 

[CreditCuriosity]

So ran it through gemini and got this.  Not sure why my head had such issues with this.

• Your Normal Rate: You get 2% cash back on everything, with no limit.

• The Promo Bonus: You get an extra 2% cash back on special categories (like dining, travel, retail, and entertainment).

• The Monthly Limit: The extra promo bonus stops earning once you hit $37.50 in extra cash back (which happens when you spend $1,875 in those special categories in a month).

What You Actually Get (3 Quick Examples)

• If you spend $500/month:

  • Base 2% = $10

  • Extra 2% = $10

  • You get: $20 total (4% total)

• If you spend $1,875/month (The Sweet Spot):

  • Base 2% = $37.50

  • Extra 2% = $37.50 (Hits the max bonus)

  • You get: $75 total (4% total)

• If you spend $2,500/month:

  • Base 2% = $50

  • Extra 2% = $37.50 (Bonus is capped)

  • You get: $87.50 total (3.5% total)