Credit Unions with 2% cash back cards

[longtimelurker]

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@Anonymous wrote:

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. 

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Just to reiterate my view on this:  very much a matter of personal preference.   I have PPMC, FIdelity VIsa and Citi DC, and have regularly used all at various times.   Very few hoops (in what matters for me) on any of them, and now I am pretty happy with PPMC (although I get it lacks features for some!)   Reward maximization is so much my goal that it would take a lot to switch to a lower earning card for some convenience.    But clearly, YMMV!

[Anonymous]

Nusenda Credit Union is open and they have a rotating 5% CB card!

[Anonymous]

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@longtimelurker wrote:

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@Anonymous wrote:

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. 

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Just to reiterate my view on this:  very much a matter of personal preference.   I have PPMC, FIdelity VIsa and Citi DC, and have regularly used all at various times.   Very few hoops (in what matters for me) on any of them, and now I am pretty happy with PPMC (although I get it lacks features for some!)   Reward maximization is so much my goal that it would take a lot to switch to a lower earning card for some convenience.    But clearly, YMMV!

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I can get over the lack of transaction notifications for the PayPal or a dedicated app but not the way that Synchrony handles disputes and fraud. My time is worth more than .5% cash back on a tiny bit of my spending. I have spent $938 on the PayPal card since I got in January. That’s an extra $4.92 in cash back over my QS but if I have a problem with my QS, it’s a 10 minute phone call and there’s a new card in the mail and a dispute filed with me having to do no further work. 

[Anonymous]

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@Anonymous wrote:

Nusenda Credit Union is open and they have a rotating 5% CB card!

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Nusenda is a huge hassle to join. Ask @Anonymous about the hoops he had to go through!

[Anonymous]

Errr- Nusenda might be state specific w/o a donation.  They do have some great rates though and a quick call could confirm open enrollment, unless someone out of the state/area can confirm mrmbership.  Sorry about previous post w/o triple-checking.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Nusenda Credit Union is open and they have a rotating 5% CB card!

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Nusenda is a huge hassle to join. Ask @Anonymous about the hoops he had to go through!

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That's a bummer if it was a hassle.  They are actually pretty awesome with deposits and super fast transfers.  My only complaint is whenever I pay my CC it takes forever and their website/app is lacking. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Nusenda Credit Union is open and they have a rotating 5% CB card!

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Nusenda is a huge hassle to join. Ask @Anonymous about the hoops he had to go through!

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That's a bummer if it was a hassle.  They are actually pretty awesome with deposits and super fast transfers.  My only complaint is whenever I pay my CC it takes forever and their website/app is lacking. 

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Yeah they will let members in from out of NM if they join the LaMontañita co-op but that in itself is a long process. I was interested until Birdman7 told me the whole saga. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Nusenda Credit Union is open and they have a rotating 5% CB card!

---

Nusenda is a huge hassle to join. Ask @Anonymous about the hoops he had to go through!

---

That's a bummer if it was a hassle.  They are actually pretty awesome with deposits and super fast transfers.  My only complaint is whenever I pay my CC it takes forever and their website/app is lacking. 

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Yeah they will let members in from out of NM if they join the LaMontañita co-op but that in itself is a long process. I was interested until Birdman7 told me the whole saga. 

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Yikes!  My son is a member and how I got my membership.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Nusenda Credit Union is open and they have a rotating 5% CB card!

---

Nusenda is a huge hassle to join. Ask @Anonymous about the hoops he had to go through!

---

That's a bummer if it was a hassle.  They are actually pretty awesome with deposits and super fast transfers.  My only complaint is whenever I pay my CC it takes forever and their website/app is lacking. 

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Yeah they will let members in from out of NM if they join the LaMontañita co-op but that in itself is a long process. I was interested until Birdman7 told me the whole saga. 

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Yikes!  My son is a member and how I got my membership.

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My understanding is that they used to be a lot more open until their card got posted online and they got inundated with interest. This was before they changed their name from NMEFCU. 

[Green456]

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@Anonymous wrote:

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. 

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No we are definitely not including banks.