cancel
Showing results for 
Search instead for 
Did you mean: 

Credit Unions with 2% cash back cards

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Mega Contributor

Re: Credit Unions with 2% cash back cards


@Saeren 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. 


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!

Message 11 of 31
Highlighted
Valued Contributor

Re: Credit Unions with 2% cash back cards

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




UNpopular opinions have served me well and will offer that which has worked for me.
Message 12 of 31
Highlighted
Super Contributor

Re: Credit Unions with 2% cash back cards


@longtimelurker wrote:

@Saeren 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. 


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!


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. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 13 of 31
Highlighted
Super Contributor

Re: Credit Unions with 2% cash back cards


@Hasselfree wrote:

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


Nusenda is a huge hassle to join. Ask @Birdman7 about the hoops he had to go through!



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 14 of 31
Highlighted
Valued Contributor

Re: Credit Unions with 2% cash back cards

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.




UNpopular opinions have served me well and will offer that which has worked for me.
Message 15 of 31
Highlighted
Valued Contributor

Re: Credit Unions with 2% cash back cards


@Saeren wrote:

@Hasselfree wrote:

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


Nusenda is a huge hassle to join. Ask @Birdman7 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. 




UNpopular opinions have served me well and will offer that which has worked for me.
Message 16 of 31
Highlighted
Super Contributor

Re: Credit Unions with 2% cash back cards


@Hasselfree wrote:

@Saeren wrote:

@Hasselfree wrote:

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


Nusenda is a huge hassle to join. Ask @Birdman7 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. 


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. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 17 of 31
Highlighted
Valued Contributor

Re: Credit Unions with 2% cash back cards


@Saeren wrote:

@Hasselfree wrote:

@Saeren wrote:

@Hasselfree wrote:

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


Nusenda is a huge hassle to join. Ask @Birdman7 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. 


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. 


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




UNpopular opinions have served me well and will offer that which has worked for me.
Message 18 of 31
Highlighted
Super Contributor

Re: Credit Unions with 2% cash back cards


@Hasselfree wrote:

@Saeren wrote:

@Hasselfree wrote:

@Saeren wrote:

@Hasselfree wrote:

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


Nusenda is a huge hassle to join. Ask @Birdman7 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. 


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. 


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


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. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 19 of 31
Highlighted
Established Contributor

Re: Credit Unions with 2% cash back cards


@Saeren 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. 


No we are definitely not including banks.

Message 20 of 31
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.