ICCU Rewards getting better!

woodyman100 · ‎04-26-2025

ICCU stepping up! even has a Amazon Prime reimbursement

NFCU-ICCU-EECU-Texas Trust CU-PSECU-DoverFCU-Keystone FCU-HarvardFCU-Keypoint CU-DCUFCU-Union Square FCU-Signature FCU-AODFCU-RedstoneFCU-RRCU-UFCU-USAllianceFCU-ANB-CapitalOne-Regions-Goldman Sachs (Apple)-Barclay-G Bank-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-Cardless-John Deere-Discover-BofA-BofA Biz-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-Trevipay-Truist-UMB-USAA-Amegy-Amegy Biz-Citizens Biz-Comenity-Comenity Biz-Bread -DSNB-Webbank-Bill

ptatohed · ‎04-26-2025

https://www.iccu.com/loans/visa-credit-cards/premier-rewards/

Pretty nice!

That is quite the buffing! (compared to the Rewards, anyway)

Is it a penny per point? Redemption details?

Not so sure about the amazon credit though. That would take $12,000 spend per year!

Is there a way in to the CU if you are outside the 5 listed states?

https://www.iccu.com/membership/

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

DatBoiQuick · ‎04-27-2025

@ptatohed wrote:
https://www.iccu.com/loans/visa-credit-cards/premier-rewards/

Pretty nice!

That is quite the buffing! (compared to the Rewards, anyway)

Is it a penny per point? Redemption details?

Not so sure about the amazon credit though. That would take $12,000 spend per year!

Is there a way in to the CU if you are outside the 5 listed states?
https://www.iccu.com/membership/

Found this post, looks like its not geofenced if you are member of other other CU in Idaho. It also seems to be 2 points per dollar.
https://ficoforums.myfico.com/t5/Personal-Finance/ICCU-Idaho-Central-Credit-Union-isn-t-entirely-geo...

northway · ‎04-28-2025

The points are worth .00625 each. It's really not a great card even though I have it. If they bumped the point cashout ratio, it'd actually be worth looking at.

That means that even at the highest 4x rewards category, you're still only pulling 2.5% back.

Personal Cards:

DatBoiQuick · ‎04-28-2025

It has a really attractive sub. Do you know which credit bureau they pull from?

ptatohed · ‎04-28-2025

@northway wrote:
The points are worth .00625 each. It's really not a great card even though I have it. If they bumped the point cashout ratio, it'd actually be worth looking at.

That means that even at the highest 4x rewards category, you're still only pulling 2.5% back.

You are right, thanks @northway . I found this on DoC where ICCU spelled out that 32,000 points = $200. Boo.

https://www.doctorofcredit.com/id-wa-or-only-idaho-central-credit-union-iccu-visa-rewards-200-bonus/

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

northway · ‎04-28-2025

@DatBoiQuick wrote:
It has a really attractive sub. Do you know which credit bureau they pull from?

Experian

Personal Cards:

Royalbacon · ‎05-17-2025

@ptatohed wrote:
https://www.iccu.com/loans/visa-credit-cards/premier-rewards/

Pretty nice!

That is quite the buffing! (compared to the Rewards, anyway)

Is it a penny per point? Redemption details?

Not so sure about the amazon credit though. That would take $12,000 spend per year!

Is there a way in to the CU if you are outside the 5 listed states?
https://www.iccu.com/membership/

Join a credit union with a branch in Idaho first, that will make you eligible. Mountain America and First Tech both have at least one branch in Idaho and both are open to everyone so you can join one of those two beforehand.

I'm the one that joined them from Minnesota years back and made that post saying they weren't geo-fenced.

The card is still nothing special even with the improvements and mine remains sock drawered. That being said, I was extremely grateful that they approved me for $10,000 when I was less then 3 years post Chapter 7 BK discharge so I'll always love them for that.

Chapter 7 Bankruptcy Filed-September 2020 Discharged-December 2020