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Credit Unions with 2% cash back cards

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Green456
Established Contributor

Credit Unions with 2% cash back cards

So I would like to know credit unions that anybody can qualify that offer 2% cash back credit cards:
So far I know only of following:


Alliant: 2points per dollar
Signature: 2points/dollar


PenFed 2% with $500 in checking
PSECU 2% with $500 direct deposit

SDFCU 2% flat out cash-back

Anything else out there?

Again credit unions ANYONE can join. No banks.

Message 1 of 34
33 REPLIES 33
creditfan
Established Contributor

Re: Credit Unions with 2% cash back cards

let me repeat myself

I've metioned in a few threads

 

RBFCU 2% 

redeem after a year

Message 2 of 34
Jetboy
Regular Contributor

Re: Credit Unions with 2% cash back cards

I think RBFCU membership is restricted to Texas residents.


Message 3 of 34
Anonymous
Not applicable

Re: Credit Unions with 2% cash back cards


@Jetboy wrote:

I think RBFCU membership is restricted to Texas residents.


Yeah that was my understanding as well. 

 

I went looking at the 50 largest CUs in the country yesterday and didn’t find any 2% cards that were open to everyone that aren’t already in that list unless they used points programs that didn’t give you 1cpp value for cash back. 

Message 4 of 34
Anonymous
Not applicable

Re: Credit Unions with 2% cash back cards

Worked the Membership for the RBFCU and experimented with the address and they are geo restricted. There are many organizations they allow to gain access so a person could run that approach (seem to be from the same geo area however).
Message 5 of 34
Aim_High
Super Contributor

Re: Credit Unions with 2% cash back cards

Some other options that might be available to the general population but not necessarily credit unions:

 

* Navy Federal CU Flagship Rewards Visa

      pays 2 points (2% cash back) on everything although it has $49 AF.

      (*However, if you use the TSA Global Entry reimbursement every 5 years at $100, it effectively

      lowers AF by $20/yr to $29.  NFCU membership does require military-affiliation but extends family

       relationships pretty widely to cover Parents,  Grandparents, Spouses, Siblings, Children (including

       adopted and stepchildren), Grandchildren, and Household members.)

 

BBVA Bank Rewards Visa

      pays 2% back with a $1K monthly Direct Deposit.

 

First National Bank Omaha (FNBO) Complete Rewards Visa

      pays 2% when deposited into a bank account, mortgage, or 529 plan with them.

 

Also, for those of us who are veterans:

      *Randolph-Brooks FCU is open to membership for all veterans if

          I'm not mistaken, regardless of geofencing.

      * PenFed FCU does not require keeping an account or a $500 DD for

          veterans when enrolled in their Honors Advantage program.


Business Cards


Length of Credit > 40 years; Total Credit Limits >$898K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0
AoOA > 30 years (Jun 1993); AoYA (Feb 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 6 of 34
Anonymous
Not applicable

Re: Credit Unions with 2% cash back cards

I thought PenFed you just needed an access america Checking account with 500 sitting in it. No direct deposit required.
Message 7 of 34
AlpedHuez
Contributor

Re: Credit Unions with 2% cash back cards

Signature FCU  

 

 

 

 

Message 8 of 34
Anonymous
Not applicable

Re: Credit Unions with 2% cash back cards

@Aim_High FNBO's card you referenced is normally geo fenced unless they run a promo. As to Randolph-Brooks FCU there are requirements for the veterans.
Message 9 of 34
Anonymous
Not applicable

Re: Credit Unions with 2% cash back cards

If we are including banks, Key has their cash back card. It’s 1.5% normally but if you have an average daily balance of $1K each in checking and savings, it’s 2%. 

 

Honestly there are so many hoops with most of the 2% cards that I would pretty much rather just cut my spending by .5% rather than deal with the hassles. It’s only like $50 a year if I actually threw all of my spend on that card (which I don’t) which I can make up with a single sign up bonus and thensome. 

Message 10 of 34
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