@Anonymous wrote:
@MrDisco99 wrote:Any strategy advice on how to get more than one USBank Cash+?
They seem to be pretty stingy with just the one. How long should one wait before applying for a second? Would it be easier to apply for something else and then PC?
I think I've seen a number of folks around here with 2 Cash+s. IIRC, the main difficulty is gardening for the 1/12 limit for each of the cards.
But why not try for the (more common, and easier) combination of a Cash+ and an Elan MCP? You wouldn't need to garden to 1/12 for the Elan card, and if you wanted to use one or both of the Cash+-only categories that aren't found on the Elan MCP (i.e., Select Clothing or Ground Transportation), just set your Cash+ to those categories.
Agreed. The ease of obtaining the Max Cash Preferred is making me question whether I'll ever go for the actually Cash +. I think I'd rather have the the MasterCard version of the MCP next time around for cell phone insurance.
@GatorCowboyLion wrote:To add further to 5% cards:
L&N FCU Visa Platinum Cash Back Rewards no limit 5% gas card"If you live, work, worship, attend school, or belong to any legal entity in any of the following counties, YOU CAN NOW JOIN L&N!"
The geofence is in Kentucky and a couple counties of South Indiana and Ohio. $50 SUB for $1000 spend in 90 days (which is hard to hit with a gas card). I have not yet called to ask whether membership in a chamber of commerce is acceptable.
https://www.lnfcu.com/credit-cards.html
@GatorCowboyLion Thanks for sharing, the L&N card looks like it would be a solid offering. That geo language looks a bit tough to get around, however. If someone wants an uncapped 5% gas card, Abound CU has open membership through American Consumer Council, and they added a quarterly rotating category as well. In either case, Citi basically walked in and said hold my beer.
@JNA1 wrote:
@Anonymous wrote:
@MrDisco99 wrote:Any strategy advice on how to get more than one USBank Cash+?
They seem to be pretty stingy with just the one. How long should one wait before applying for a second? Would it be easier to apply for something else and then PC?
I think I've seen a number of folks around here with 2 Cash+s. IIRC, the main difficulty is gardening for the 1/12 limit for each of the cards.
But why not try for the (more common, and easier) combination of a Cash+ and an Elan MCP? You wouldn't need to garden to 1/12 for the Elan card, and if you wanted to use one or both of the Cash+-only categories that aren't found on the Elan MCP (i.e., Select Clothing or Ground Transportation), just set your Cash+ to those categories.
Agreed. The ease of obtaining the Max Cash Preferred is making me question whether I'll ever go for the actually Cash +. I think I'd rather have the the MasterCard version of the MCP next time around for cell phone insurance.
@JNA1 Good choice going for the MCP (and the DW double too!), I like the larger Recreation and Entertainment categories. You might want the Cash+ if SP cli's are important (and Cash+ would give you ground transportation and clothing stores if you needed those)
@Taurus22 wrote:Just FYI......I have the ABoC MC and it's become one of my least favorite cards. I was a fan of it for a long time and advocated for it here on the forum.....my thought justification was 3.75% is still better than most of the 3% mainstream card/categories. But I just don't ever use it (and they gave me a crap-ball SL and require a HP to get any CLI). It's honestly the one single regret I have in my entire credit repetoir, which is why I don't even bother to list it in my siggy.
Also, they are no longer accepting apps for this card, so the point is moot anyway. Wipe this one off your whiteboard.
EDIT: I have also made the decision to close this card in Jan 2022. They are also changing their rewards structure to cRewards.
@Taurus22 Great that you gave an early heads up on this steaming pile, especially now with ABOC dropping the rotating categories altogether.
Ideally, eventually I would probaby like to have a MC MCP and a Cash +. That would give us 8 permanent 5% categories, to go along with 5% (actually 6.25% the way I redeem it) for travel with my Synovus card, 6% (technically 4.4% with the AF) groceries, streaming, and ground transportation on my BCP, 4% gas on my PNC, our 5% rotators and the Citi CC eventually) and 3% AOD catch all card. That would be probably as stout of lineup for a cash back fan who doesn't fly as you could get.
@PullingMeSoftly wrote:
@Taurus22 wrote:Just FYI......I have the ABoC MC and it's become one of my least favorite cards. I was a fan of it for a long time and advocated for it here on the forum.....my thought justification was 3.75% is still better than most of the 3% mainstream card/categories. But I just don't ever use it (and they gave me a crap-ball SL and require a HP to get any CLI). It's honestly the one single regret I have in my entire credit repetoir, which is why I don't even bother to list it in my siggy.
Also, they are no longer accepting apps for this card, so the point is moot anyway. Wipe this one off your whiteboard.
EDIT: I have also made the decision to close this card in Jan 2022. They are also changing their rewards structure to cRewards.
@Taurus22 Great that you gave an early heads up on this steaming pile, especially now with ABOC dropping the rotating categories altogether.
Agreed! At one time ABOC was near the top of my list of goal cards, but luckily I found out from the great folks here that it wasn't worth the trouble.
@PullingMeSoftly wrote:
Nusenda Credit Union Platinum Cash Rewards (Update: Approved 6/2021, $25k)
Safe Credit Union Cash Rewards (Update: Approved 7/2021, $25k)
Can you share how you were able to get into Safe and Nusenda and who they pull? Thank you!
@spiritcraft1 wrote:
@PullingMeSoftly wrote:
Nusenda Credit Union Platinum Cash Rewards (Update: Approved 6/2021, $25k)
Safe Credit Union Cash Rewards (Update: Approved 7/2021, $25k)
Can you share how you were able to get into Safe and Nusenda and who they pull? Thank you!
No prob, here are the stories:
@PullingMeSoftly wrote:
@spiritcraft1 wrote:
@PullingMeSoftly wrote:
Nusenda Credit Union Platinum Cash Rewards (Update: Approved 6/2021, $25k)
Safe Credit Union Cash Rewards (Update: Approved 7/2021, $25k)
Can you share how you were able to get into Safe and Nusenda and who they pull? Thank you!
No prob, here are the stories:
Thank you! Looks like a couple tough membership nuts to crack.