Been perusing credit union websites for fun occasionally and ended up compiling a list of general spend cards. Limited criteria to simple 2%/2X (plus additions) and excluded cards that have annual fees, are devalued, or have stringent cashback requirements. Some of these may have a SUB or other promotions currently ongoing for the card.
Notes: Value - Assessment of Card
Availability - Who can join the credit union
SEG - Select Employee Groups
VS - Visa Signature
List is divided into three sections which are: open to all, unconfirmed, or restricted.
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Section I. Open to all
Value: 2.5% but capped at 10k per month with requirements; Afterwards 1.5
Availability: Open to all, must join affiliate organization if outside select membership group.
Value: 2% with Penfed Honors Advantage; Otherwise 1.5
Availability: Open to all
Value: Flat 2%
Availability: Open to all, must join affiliate organization if outside select membership group.
Value: Flat 2%
Availability: Open to all, must join affiliate organization with donation if outside select membership group.
Value: 2% with Loyalty Program; Otherwise 1.5
Availability: Open to all, must join affiliate organization with donation if outside select membership group.
Value: Flat 2% with 6% streaming. Can choose between points or cash rebate; Streaming is capped monthly.
Availability: Open to all, must join affiliate organization if outside select membership group.
Extra Note: YEMV when joining or applying for credit card.
Value: Flat 2X
Availability: Open to all, must join affiliate organization if outside select membership group.
Value: Flat 2X
Availability: Open to all, must join affiliate organization if outside select membership group.
Value: Flat 2%
Availability: Open to all, must join affiliate organization with donation if outside select membership group.
Value: Flat 2X
Availability: Open to all, must join affiliate organization with donation if outside select membership group.
Value: Currently 3X will nerf at the start of next year.
Availability: Open to all, must join affiliate organization if outside select membership group.
Value: Flat 2X
Availability: Open to all, must join affiliate organization with donation if outside select membership group.
Value: 2% with requirements; Otherwise 1.5
Availability: Open to all, must join affiliate organization with donation if outside select membership group.
Value: Flat 2X
Availability: Open to all, must join affiliate organization with donation if outside select membership group.
Value: Flat 2%
Availability: Open to all, must join affiliate organization with donation if outside select membership group.
Value: Flat 2%
Availability: Open to all, must join affiliate organization if outside select membership group.
Value: 2% with monthly qualifications; Otherwise 1.25
Availability: Open to all, must join affiliate organization with donation if outside select membership group.
CFCU Rewards Elite Credit Card
Value: Flat 2X
Availability: Open to all, must join affiliate organization with donation if outside select membership group.
Value: Flat 2X with EvenMore perks; Otherwise 1
Availability: Open to all, must join affiliate organization with donation if outside select membership group.
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Section II. Unconfirmed
Value: Flat 2%
Availability: Appears to be open to most due to occupational based charter. More DPs needed.
Heartland CU Diamond Awards Visa
Value: Flat 2X with 3X multipliers on gas/groceries per month
Availability: Appears to be open to most due to various occupations listed. More DPs needed.
Value: Flat 2%
Availability: SEG membership, however website states non-affiliated individuals can still apply. More DPs needed.
Value: Base 1.5% with 0.5 as you pay
Availability: Geofenced to parts of New Mexico; However, their website states that you can still join via their 400 partner companies.
Extra Note: Pressed metal foil design with tungsten alloy core.
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Section III. Restricted
Value: Flat 2%
Availability: Geofenced to parts of Florida
Value: Flat 2%
Availability: Geofenced to Texas; Service members may still apply.
Value: Cashback or points; Flat 2% with capped 3-4-5% multipliers
Availability: Selective membership
Value: Flat 2% with 5% discount at Buc-ee's
Availability: Geofenced to parts of Texas
Value: Flat 2%
Availability: Geofenced to parts of New York, New Jersey, and Pennsylvania
Value: Flat 2%
Availability: Geofenced to parts of South Dakota and Nebraska
Value: Flat 2%
Availability: Geofenced to parts of Louisiana
Value: 2% with Better Rewards Checking; Otherwise 1.5
Availability: Selective membership; SEG may still apply.
Value: Flat 2%
Availability: Geofenced to Michigan
Value: Flat 2%
Availability: Geofenced to parts of Florida; Telecommunications employees may still apply.
Value: Flat 2X
Availability: Geofenced to parts of Ohio, Kentucky, and Indiana; SEG may still apply.
Value: Flat 2%
Availability: Geofenced to Washington and parts of Oregon
Value: Flat 2%
Availability: Geofenced to Michigan and parts of Indiana/Wisconsin
Value: Flat 2%
Availability: Geofenced to Arkansas, Missouri, Oklahoma, Texas, Tennessee, and Mississippi
Value: Flat 2%
Availability: Selective membership
Value: Flat 2X
Availability: Selective membership
Value: Flat 2%
Availability: Geofenced to parts of California
Value: Flat 2%
Availability: Geofenced to parts of Hawaii
Guardians CU Exclusive Rewards
Value: Flat 2%
Availability: Geofenced to parts of Florida; SEG may still apply.
Value: Flat 2X
Availability: Geofenced to Hawaii
Pearl Hawaii FCU Cashback Platinum
Value: Flat 2%
Availability: Geofenced to parts of Hawaii
Value: Flat 2%
Availability: Geofenced to parts of Mississippi, Louisiana, and Alabama; SEG may still apply.
Value: 2% with Premium Rewards Checking; Otherwise 1.5
Availability: Geofenced to parts of Wisconsin; SEG may still apply.
First Federal Visa Ca$h Rewards
Value: Flat 2%
Availability: Geofenced to parts of Iowa
Value: Flat 2%
Availability: Geofenced to parts of Indiana
Value: 2% with My Member Perks program; Otherwise 1.25
Availability: Geofenced to parts of Indiana; SEG may still apply.
Citizens Platinum Rewards Visa
Value: Flat 2X
Availability: Geofenced to Iowa; SEG may still apply.
Value: Flat 2%
Availability: Geofenced to parts of Texas; SEG may still apply.
Value: Flat 2X, travel related
Availability: Geofenced to parts of Illinois and Wisconsin; SEG may still apply.
Fitzsimon Visa Platinum Rewards Elite
Value: Flat 2.5X
Availability: Geofenced to parts of Colorado
Value: 2% with Onpoint Bundle Rewards
Availability: Geofenced to parts of Washingtion and Oregon
Value: Earns 1.5X but can be redeemed as 2% cashback
Availability: Geofenced to Washington and parts of Idaho
Value: 2% cashback with 5% multipliers for local businesses
Availability: Geofenced parts of Maryland
Compass Visa Platinum with Rewards
Value: Flat 2X
Availability: Geofenced parts of New York
Value: Flat 2X
Availability: Geofenced to parts of New York
Value: Flat 2X
Availability: Selective membership
Atlantic FCU Inspire Rewards Visa
Value: Flat 2%
Availability: Geofenced to parts of New Jersey
Value: Flat 2%
Availability: Geofenced to Michigan
Value: Flat 2% but capped at 35K points annually
@coldfusion wrote:
$350 cap translates to $17.5K yearly/just under $1500 average monthly spend
Availability: Geofenced to parts of Arkansas, Indiana, Michigan, Nevada, North Carolina, and Ohio; SEG may still apply.
Value: Flat 2X
Availability: Geofenced to parts of West Virginia, Ohio, and Kentucky
Extra Note: Earns 1X on balance transfers
Picatinny FCU Premium Rewards Card
Value: Flat 2X
Availability: Geofenced to parts of New Jersey
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This list is still a work in progress and I'll update whenever I can but so far there's about 64 credit unions with a "2%" general spend card. And of these 19 are open to join with or without stipulations with 4 needing more DPs.
Update 1: Didn't catch the annual fee for SDCCU so swapped it out for USAlliance.
Update 2: Added Har-co, Compass FCU, NWFCU, TVFCU, NNMECU, Atlantic, FCU, United FCU, and USEagle.
Update 3: Added sections as well as Pioneer, Picatinny, CFCU, and Affinity.
@cws-21 wrote:The Aerospace Platinum Visa is really interesting; however, eligibility is, unfortunately, quite restricted.
Yep. 2% everything with multipliers and a 5.90 APR its a unicorn for sure.
@hawkins wrote:FIGFCU has a 3% in the first year then 2.5% after that. Anyone can join with a membership to American Consumer Council. The last 3% general spend one out there that I know of. At least for the first year anyways. Does have a AF after year 1 but it's not too much.
I'm aware of FIGFCU but since that card has an annual fee I've excluded it from this list.
Thanks for compiling that list and links, @issac2x. I knew the "2% or better" options had been growing but I had no idea that several of these cards existed. While many of them are geofenced or restricted, it seems most of our members could find something useful among the offering in your list! Great job! 
Wow what a cool public service you are providing. I would have given you 2 kudoes if that were possible 
