BCU nerfing Travel Rewards card

Tdatb64 · ‎07-14-2025

The Notice of Consumer and Business Member Service Agreements Change-in-Terms I just got details that, effective September 1, 2025: "We will no longer be offering BCU travel cards. However, you can conveniently use your BCU credit or debit card as an alternative for international travel transactions."

ptatohed · ‎07-14-2025

That's not nerfing, that's eliminating!

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

FicoMike0 · ‎07-14-2025

That's strange, they still offer it here,

https://www.bcu.org/credit-cards/travel-rewards

Tdatb64 · ‎07-14-2025

@FicoMike0 wrote:
That's strange, they still offer it here,
https://www.bcu.org/credit-cards/travel-rewards

You will note the "effective September 1, 2025" part... It says nothing about whether existing cards will continue on or will be PC'd to the cashback card but I would assume they'll continue taking apps 'til 9/1/25.

Tdatb64 · ‎07-14-2025

@ptatohed wrote:
That's not nerfing, that's eliminating!

They're nerfing it right out of existance.

Guyatthebeach · ‎07-14-2025

That's sounds about right for them. BCU discontinues their most solid Visa. I wonder if the CU will PC it to the cash card.

Guyatthebeach

Jeffster1 · ‎07-14-2025

I joined BCU in mid-2023 when they were FOTM. Savings, checking and Cash Visa. Got the SUB. Then got caught up in the major BCU thinning of the herd in 2024. They reopened my Visa right away. But the whole thing just put me off BCU, I turned around and closed everything a few months later. I never looked back.

0% utilization
FICO 8 EX 815 EQ 825 TU 834
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 14K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo Autograph Visa 30K I Citi Costco Anywhere Visa 10.2K I BMO Harris Cash Back MC 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 15K I Citi Thank You MC 10K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney MC 10K I Synchrony Premier MC 10K I UCLA Wescom CU Rewards Visa 7K I PayPal Cash Back MC 20K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I Gemini Bitcoin MC 15K I TMobile Capital One Visa 20K I BILT 2.O MC 10K I USAA Cash Rewards Plus American Express 4K I Apple Card 6K

1GaDawg85 · ‎07-17-2025

Dang, I actually liked this card!

FICO 5 ,4, 2 - 10/2023 FICO 8 - 10/2023 FICO 9 - 10/2023 FICO 10 - 10/2023

northway · ‎07-18-2025

I haven't been able to spot this updated language anywhere.

But either way, I wouldn't consider it a "nerf". BCU now has 2 2% cards, one earning cash, the other earning points that can only be used towards travel redemptions. It makes no sense to keep both products in tact as they are. I'm assuming that all Travel Rewards cardholders will be moved to Cash Rewards and BCU may possibly add the Global Entry/TSA refund and spending bonus to the other card, or even rebrand. But from an outsider's standpoint, there genuinely was no reason for the overlap now that Cash Rewards is at 2%.

Personal Cards:

northway · ‎09-07-2025

So Sept 1st has come and gone and the BCU Travel Rewards card still exists.

I'm going to assume that "travel cards" was in reference to a different product that was a legacy product to begin with, but I never spotted the changed language anywhere.

Personal Cards: