Re: Lesser Known Cards That You Keep

CreditUp26 · ‎06-22-2024

I'm new with both of these cards so can's speak to quality quite yet but:

1. Signature FCU with its 2% Signature Visa card - anyone can join

2. Redstone FCU with 5%/3%/1.5% Signature Visa card - anyone can join

NoMoreE46 · ‎06-22-2024

I believe my parents still have their AT&T Universe card. Citi began issuing these cards in like the 1990s.

Rdbeetle · ‎06-22-2024

Mine is my SchoolsFirst Rewards MC. It has a low interest rate and no BT or FTF fees. Downside, it's only a 1.5X card, but I keep it for padding.

SchoolsFirst FCU Rewards WMC $25k
US Bank Cash+ $15k
AMEX BCP $10k
FICO 8 Scores: EX 796 I TU 806 I EQ 808

ptatohed · ‎06-23-2024

@NoMoreE46 wrote:
I believe my parents still have their AT&T Universe card. Citi began issuing these cards in like the 1990s.

What does it offer?

[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

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)

ptatohed · ‎06-23-2024

@Rdbeetle wrote:
Mine is my SchoolsFirst Rewards MC. It has a low interest rate and no BT or FTF fees. Downside, it's only a 1.5X card, but I keep it for padding.

That is not a downside, that's a deal-breaker. Actually, a non-starter. lol

[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

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)

NoMoreE46 · ‎06-23-2024

No benefits IIRC - it was just a standard credit card. Back in the 90's, AT&T, the long distance land line company, was a big credit card issuer as well. Citi bought the portfolio of ~ 13 million accounts in 1997.

Rdbeetle · ‎06-23-2024

@ptatohed wrote:
@Rdbeetle wrote:
Mine is my SchoolsFirst Rewards MC. It has a low interest rate and no BT or FTF fees. Downside, it's only a 1.5X card, but I keep it for padding.
That is not a downside, that's a deal-breaker. Actually, a non-starter. lol

You're absolutely right! Lol

It was a SP approval, so I thought why not?

SchoolsFirst FCU Rewards WMC $25k
US Bank Cash+ $15k
AMEX BCP $10k
FICO 8 Scores: EX 796 I TU 806 I EQ 808

coldfusion · ‎06-24-2024

@Rdbeetle wrote:
@ptatohed wrote:
@Rdbeetle wrote:
Mine is my SchoolsFirst Rewards MC. It has a low interest rate and no BT or FTF fees. Downside, it's only a 1.5X card, but I keep it for padding.
That is not a downside, that's a deal-breaker. Actually, a non-starter. lol
You're absolutely right! Lol
It was a SP approval, so I thought why not?

The SP approval would appeal to some people though if there was a straightforward loophole to bypass the CU's restrictive membership requirement.

(7/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

Anonymous · ‎06-24-2024

@Rdbeetle wrote:
It was a SP approval, so I thought why not?

While SP approval is better than HP, there is still a hit to AAoA (somewhat offset by increased total credit)

Heatt99 · ‎06-25-2024

Mine is: SECUMD Visa Signature

* 3x on--Travel, Dining, Amazon, iTunes

* 2x on--Gas & Groceries

Not the best on categories, but a lesser known fact about this CU and card Services:

* you can double dip on 1 HP

* you request your inital limit all the way up to 30k, they will counter

* you can pull entire limit in cash off card

I use it as a limit buffer.

Lesser Known Cards That You Keep

Get your FICO® Score for free