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Credit Unions with 2% cash back cards

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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 31
30 REPLIES 30
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Frequent 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 31
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Regular Contributor

Re: Credit Unions with 2% cash back cards

I think RBFCU membership is restricted to Texas residents.




Message 3 of 31
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Super Contributor

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. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 4 of 31
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Moderator Emeritus

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).
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Message 5 of 31
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Valued 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.




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9+ years; AoYA = less than 1 year (Nov 2019)
Total Open Credit Lines Over $454K. Utilization Less Than 1%. Inquiries until May 2020 (TU:2 -- EQ:2 -- EX:6)
*Hover cursor over each card to see name, CL
Message 6 of 31
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New Contributor

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 31
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Valued Member

Re: Credit Unions with 2% cash back cards

Signature FCU  

 

 

 

 

Message 8 of 31
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Moderator Emeritus

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.
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Message 9 of 31
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Super Contributor

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. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 10 of 31
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