Banks with >2.5% CB with relationship tiers?

[ptatohed]

I would love to learn about more banks or Credit Unions that offer credit card Cash Back rewards greater than 2.5%, non-cat, no-AF, uncapped spend with relationship tiers.  These are the only two I am aware of.  Any more that you guys know of?

• The obvious one:  Bank Of America.  Unlimited Cash Rewards card.  1.5% CB x 1.75 = 2.625% CB with Platinum Honors Tier.  $100,000+ 

• Logix Credit Union.  Platinum Rewards Mastercard.  3x (3%) CB with Platinum Tier.  $100,000+ (may be geofenced to CA, not sure)  

Any others out there? 

[unsungivy]

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@ptatohed wrote:

I would love to learn about more banks or Credit Unions that offer credit card Cash Back rewards greater than 2.5%, non-cat, no-AF, uncapped spend with relationship tiers.  These are the only two I am aware of.  Any more that you guys know of?

• The obvious one:  Bank Of America.  Unlimited Cash Rewards card.  1.5% CB x 1.75 = 2.625% CB with Platinum Honors Tier.  $100,000+ 

• Logix Credit Union.  Platinum Rewards Mastercard.  3x (3%) CB with Platinum Tier.  $100,000+ (may be geofenced to CA, not sure)  

Any others out there? 

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Wow. I just learnt about Logix less than an hour ago. Stop looking over my shoulder. (Also it doesn't appear to be geo-fenced... at least the Reddit specifically has it in the NON-geofenced section.)

The Robinhood Gold card has a waitlist for their 3% card, and I would call needing to pay for the annual Gold level subscription a "relationship" tier. ($50 I think.)

[swankytiger]

next closest is Truist and it is at 2.25%

[Anonymous]

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@ptatohed wrote:

I would love to learn about more banks or Credit Unions that offer credit card Cash Back rewards greater than 2.5%, non-cat, no-AF, uncapped spend with relationship tiers.  These are the only two I am aware of.  Any more that you guys know of?

• The obvious one:  Bank Of America.  Unlimited Cash Rewards card.  1.5% CB x 1.75 = 2.625% CB with Platinum Honors Tier.  $100,000+ 

• Logix Credit Union.  Platinum Rewards Mastercard.  3x (3%) CB with Platinum Tier.  $100,000+ (may be geofenced to CA, not sure)  

Any others out there? 

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Not a bank or CU but Fidelity!   Also not valuable for most.    Their card earns 3% flat if you have >$2M in MANAGED funds.  (Between 2 and 3% at lower levels).   This only makes sense if you believe the management has some value  (or if you spend truly HUGE amounts on the card) as the fees are above $10-20K per year (so if you spend $20M on the card, you are getting value for money over a free 2%!)

[ptatohed]

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@Anonymous wrote:

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@ptatohed wrote:

I would love to learn about more banks or Credit Unions that offer credit card Cash Back rewards greater than 2.5%, non-cat, no-AF, uncapped spend with relationship tiers.  These are the only two I am aware of.  Any more that you guys know of?

• The obvious one:  Bank Of America.  Unlimited Cash Rewards card.  1.5% CB x 1.75 = 2.625% CB with Platinum Honors Tier.  $100,000+ 

• Logix Credit Union.  Platinum Rewards Mastercard.  3x (3%) CB with Platinum Tier.  $100,000+ (may be geofenced to CA, not sure)  

Any others out there? 

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Not a bank or CU but Fidelity!   Also not valuable for most.    Their card earns 3% flat if you have >$2M in MANAGED funds.  (Between 2 and 3% at lower levels).   This only makes sense if you believe the management has some value  (or if you spend truly HUGE amounts on the card) as the fees are above $10-20K per year (so if you spend $20M on the card, you are getting value for money over a free 2%!)

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I think this program has been suspended.  https://digital.fidelity.com/prgw/digital/fidelityrewards/rewards/events-redirect/enrollment-pause  

[ptatohed]

There is the Regions Bank Wealth Visa Sig but it's only 2.5%, has a $125 AF, and I can't find anywhere how much money you need to be a 'Regions Private Wealth Management client'.  Boo.   

[Wu-Credit]

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@ptatohed wrote:

There is the Regions Bank Wealth Visa Sig but it's only 2.5%, has a $125 AF, and I can't find anywhere how much money you need to be a 'Regions Private Wealth Management client'.  Boo.   

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My mortgage is with Regions and I used to have their Prestige VS. I think it's like $50k needed for the highest tier but it only registers deposit accounts (no investment or loan accounts). Basically a useless relationship lol.

Edit: My bad, the multipler tiers I'm referring to are different than the (probably a good option) Private Wealth client status: https://www.regions.com/insights/personal/budget-calculators/relationship-rewards-multiplier-calcula...

[creditfan]

https://www.alliantcreditunion.org/bank/visa-signature-card

2.5% up to 10k spend monthly

[losvedir]

Somewhat related is this post I made to Reddit a few months ago: https://www.reddit.com/r/CreditCards/comments/1c0t9qy/cards_with_benefits_if_you_park_a_bunch_of_mon... about credit cards that have relationship bonuses generally.

Scanning that, I don't see any others with the cashback greater than 2.5% bonus you're asking about, though depending how you amortize the other benefits, some could have an "effective" cashback rate greater than that. (From waived AF's, free Costco membership, etc).

[Anonymous]

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@ptatohed wrote:

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I think this program has been suspended.  https://digital.fidelity.com/prgw/digital/fidelityrewards/rewards/events-redirect/enrollment-pause  

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Oh, missed that!  Perhaps it will come back even better, 3.25% for $100M AUM!