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Credit Unions with 2% cash back cards

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Established Contributor

Re: Credit Unions with 2% cash back cards


@Aim_High wrote:

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.


As stated in the initial post I am only looking for credit unions that anyone can join. Also no banks please. 

Message 21 of 31
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Established Contributor

Re: Credit Unions with 2% cash back cards


@Hasselfree wrote:

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


Yeah but that is rotating 5% and not flat out 2% on ALL transactions.

Message 22 of 31
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Established Contributor

Re: Credit Unions with 2% cash back cards


@Saeren wrote:

@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. 


Synchrony and PayPal are both banks.

Message 23 of 31
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Super Contributor

Re: Credit Unions with 2% cash back cards


@Green456 wrote:

@Saeren wrote:

@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. 


Synchrony and PayPal are both banks.


It was a tangential discussion anyway, sorry about that. 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 24 of 31
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Senior Contributor

Re: Credit Unions with 2% cash back cards

It’s true I did go through some hoops to join the co-op to get into Nusenda CU!

I have heard about their quick deposits and financial transfers though, what’s that about the credit card payments being slow?













(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated March 2020.

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? (clean/dirty), Number of accounts open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AoYR-Age of Youngest Revolver (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new accounts, with open loan on record.
If you don't know where you fall, just list whether you have any baddies, your number of open and closed accounts, AoOA, AoYR and whether you have a loan on record.
For utilization questions, list individual and aggregate utilizations, revolving and installment. please.
Message 25 of 31
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Regular Contributor

Re: Credit Unions with 2% cash back cards

Idaho Central appears to have a 2% card and it looks like one can join through donation to NWCUF (same way in for BECU and others). I briefly thought about it since I already donated to NWCUF, but I don't really need another 2% card, or CU membership for that matter.
IKEA Projekt 25k, NFCU CashRewards 20k, BECU Cash Back Visa 20k, NFCU More Rewards 16.7k, Wayfair 16k, Overstock.com 12k, AmEx BCP 12k, AmEx ED 12k, NFCU Plat 11.8k, AmEx Delta Gold SkyMiles 10k, PNC Cash Rewards Visa 10k, NFCU CLOC 10k, Lowe's 10k, Citi DC 9.5k, BBVA Clear Points 7.5k, PayPal 2% 7k, Kay 5.25k, Huntington Voice Plat 5.1k, Amazon Store 5k, 5/3rd Trio 4k, PayPal Credit 3.5k, J.Crew 3k, Disco it 2.9k, Huntington Voice Rewards 2.9k, Disco it Miles 2.5k, Citi Goodyear 1.9k, Cap 1 Plat 1.75k, WF Cash Wise 1.5k, Cap 1 QS 1.45k
Message 26 of 31
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Super Contributor

Re: Credit Unions with 2% cash back cards


@forestgreenrover wrote:
Idaho Central appears to have a 2% card and it looks like one can join through donation to NWCUF (same way in for BECU and others). I briefly thought about it since I already donated to NWCUF, but I don't really need another 2% card, or CU membership for that matter.

2 points per dollar does not necessarily mean 2%. Cash back is only worth .625cpp (4K points to get $25). 



01/2019:
03/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 27 of 31
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Senior Contributor

Re: Credit Unions with 2% cash back cards

Yes that’s very common, they trying to mislead people a lot with what points are worth.

ABOC does the same thing with their 5% card but it’s only worth I think 4.25 cents.













(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated March 2020.

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? (clean/dirty), Number of accounts open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AoYR-Age of Youngest Revolver (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new accounts, with open loan on record.
If you don't know where you fall, just list whether you have any baddies, your number of open and closed accounts, AoOA, AoYR and whether you have a loan on record.
For utilization questions, list individual and aggregate utilizations, revolving and installment. please.
Message 28 of 31
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Super Contributor

Re: Credit Unions with 2% cash back cards

SDFCU gets my vote, since it doesn’t require further games. PenFed has other requirements to get the 2%

No FTF, so it beats Double Cash there.

The SDFCU can also be Chip+PIN. So if I were to get a straight up 2% card, SDFCU would be it.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 29 of 31
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Member

Re: Credit Unions with 2% cash back cards

Water and Power Community Credit Union in Los Angeles has a 2% card. I'm not a member though but it seems like only lets you redeem it once a year in December.

Message 30 of 31
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