@ptatohed wrote:I too am interested in this card. I have a few questions, if I may. I assume that the three 5% choices change to three different categories each month? Can someone give a few examples of other 5% category choices there usually are? Is CU membership restricted? Thanks!
The categories change every month, and they do not stack. If gas is a 5% category, and it's normally a 3% category, you'd get 5%, not 8%.
Also, as an example this month the 5% categories are Department Stores, Gas, and School Supplies. You get to select ONE of those categories. About a week into the month, you get an email from the credit union, and you can make your selection then. That selection is retroactive to the first of the month.
I'm out on the west coast, and had no prior relationship with Langley when I applied to the credit union. I could be remembering this incorrectly, but I don't believe that there was a hard pull to join the credit union. I applied for the Visa Signature shortly after joining, and had less that $100 parked there at the time. I was approved with a $15,000 SL. At first they offered me a different card, and I explained that I was looking for the Visa Signature Cash Back card, and they simply sent it back to underwriting and had the whole thing sorted within an hour.
At the time, I had plenty of inquiries (and still do), so they don't see to be all that inquiry sensitive. They pulled Equifax (not sure which version) and at the time it was 797.
April 2022 5% Categories (and remember, you get only one of these):
- Gas
- Groceries
- Pet Supplies
May 2022 5% Categories:
- Dining
- Wholesale Clubs
June 2022 5% Categories:
- Electronic Stores
- Groceries
- Wholesale Clubs
July 2022 5% Categories:
- Dining
- Gas
- Summer Adventures
August 2022 5% Categories:
- Department Stores
- Gas
- School Supplies
Others that have had the card longer might be able to provide some additional information on historical categories.
Currently I have the Affinty (7% Gas), Abound (5%), Nusenda (5% Gas), and (if i choose that category) Langley (5% gas). I've got gas this month. That came out wrong...
Thanks guys, much appreciated.
I was searching and reading some reviews. In 2021 someone mentioned there is a $25 annual fee. I can't find anything on Langley's site (annual fee or no annual fee). I hope there is no AF?
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@ptatohed wrote:Thanks guys, much appreciated.
I was searching and reading some reviews. In 2021 someone mentioned there is a $25 annual fee. I can't find anything on Langley's site (annual fee or no annual fee). I hope there is no AF?
Just scanned all my documents, no mention of an annual fee anywhere.
I just got my 1% deposit, but no bonus for "Summer Fun". I'm guessing the carousel I took my son to didn't code correctly?
Goals: 
Wishes: 
@indiamike wrote:
@PullingMeSoftly wrote:
@indiamike wrote:The 5% does not stack with the base categories. I have had this card for a few months now.
Bummer, does the base spend get reduced to 1% or nada? Wondering if that gas selection could actually be 6%. As far as the rewards go, do the 5% returns in fact auto redeem to savings, and how to the base cat's accrue?
When Gas is your selected 5% category, you earn the base 3% and a 2% bonus. Another example would be Groceries as a 5% category where you earn the base 2% and a 3% bonus.
Base cashback and bonus cashback are deposited separately (and automatically) to your savings account around the 2nd or 3rd of each month. No need to redeem anything.
Thank you for clarifying this @indiamike, helps knowing the mechanics of the rewards etc before jumping in.
@CL-Addiq wrote:Macy's, JCPenney, Bloomingdale's, Sears and I think Kohl's are examples of department stores. Find them before they all go out of business!
I'm curious what's included in school supplies. I'm guessing office supply stores? Maybe clothes or superstores?
The activation link came today. I guessed right that it seems to be office supply and superstores. They included Target as an example.
@indiamike wrote:The 5% does not stack with the base categories. I have had this card for a few months now.
Confirmed. I have had this card 2-years now and they do not stack.
