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Nusenda Platinum Cash Rewards Q4 **New Categories**

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5PercentIsTheFloor
Valued Member

Nusenda Platinum Cash Rewards Q4 **New Categories**

Hi all, 

 

I just wanted to put out a PSA for any current or prospective Nusenda cardholders on here. 

 

Nusenda updated their Q4 categories today. 

 

NEW 5% Categories- 

 

- Restaurants 

- Retail Stores 

- Online Retail Purchases

 

For 2020, Nusenda Q4 was restaurants, hotels and airfare. 

Message 1 of 18
17 REPLIES 17
GatorCowboyLion
Regular Contributor

Re: Nusenda Platinum Cash Rewards Q4 **New Categories**

Very interesting. You inspired me to do a deep dive analysis on their category selection. Below are historical screenshots of the categories.

 

So the categories remained unchanged from my earliest available data, Q1 2016 thru Q3 2020. Q4 2020 Hotels and Airfare was replaced with retail stores & online retail. Q3 2021 hotels/airfare was added back in. I can postulate that replacing the hotels and airfare with retail was a pandemic related decision, since they probably didn't want to encourage travel in 2020. Then in 2021 they left the additional Q4 categories and added hotels/airfare back in to Q3, hopefully as a permanent upgrade for the card.

 

Worth noting that they didn't feel the need make good on the Q4 categories they had advertised previously in 2020. Meh. They get a pandemic mulligan in my book. 

 

Fun fact: April 2020 they reversed "Restaurants" and "Movies". We could have an extended discussion about all the considerations and possibilities that went into that Smiley Tongue Sometimes the minutia we discuss on this forum, it's kinda like circumcising a mosquito.

 

Nusenda categories.jpg

Message 2 of 18
5PercentIsTheFloor
Valued Member

Re: Nusenda Platinum Cash Rewards Q4 **New Categories**


@GatorCowboyLion wrote:

Very interesting. You inspired me to do a deep dive analysis on their category selection. Below are historical screenshots of the categories.

 

So the categories remained unchanged from my earliest available data, Q1 2016 thru Q3 2020. Q4 2020 Hotels and Airfare was replaced with retail stores & online retail. Q3 2021 hotels/airfare was added back in. I can postulate that replacing the hotels and airfare with retail was a pandemic related decision, since they probably didn't want to encourage travel in 2020. Then in 2021 they left the additional Q4 categories and added hotels/airfare back in to Q3, hopefully as a permanent upgrade for the card.

 

Worth noting that they didn't feel the need make good on the Q4 categories they had advertised previously in 2020. Meh. They get a pandemic mulligan in my book. 

 

Fun fact: April 2020 they reversed "Restaurants" and "Movies". We could have an extended discussion about all the considerations and possibilities that went into that Smiley Tongue Sometimes the minutia we discuss on this forum, it's kinda like circumcising a mosquito.

 

Nusenda categories.jpg


I don't know who does their graphics, but they are inconsistent. I'm assuming they just have a blank template for the year (each quarter) and they update quarterly.  I know for a fact that 2021 is wrong because instead of movies Nusenda advertised cashback on streaming services that particular quarter (However, I used the card at a cinema out of curiosity and still got 5% cashback). 

 

It's a interesting card, one that I like quite a bit and will continue to be in my rotation. 

Message 3 of 18
BearsCubsOtters
Frequent Contributor

Re: Nusenda Platinum Cash Rewards Q4 **New Categories**

What a strange name for a credit union. It sounds like "nauseous" or a pharmaceutical drug that needs a commercial. 

Message 4 of 18
Taurus22
Valued Contributor

Re: Nusenda Platinum Cash Rewards Q4 **New Categories**

Wow. From what I've seen Nusenda has rarely ever changed their category range. Looks like they wanted to compete with Discover and Chase, to draw those members back to the CU card for QTR 4. They probably realized they were losing a lot of swipes against those 2 cards and wanted to remain competitive.

 

I would imagine the Retail Stores include Walmart/Target for that purpose. And Online Retailers is competitve against the PayPal category Discover and Chase have been offering the past couple of years, all online shopping without having to use a PP Key.  That's solid.

 

I decided not to try for the Nusenda card because of all the hoops you have to jump through, and the pure headache of the application process that has been well documented.  But dang, they're still pushing my buttons....

My Wallet
Sock Drawered

On Deck: Possibly Aven 3% Visa
Message 5 of 18
5PercentIsTheFloor
Valued Member

Re: Nusenda Platinum Cash Rewards Q4 **New Categories**


@Taurus22 wrote:

Wow. From what I've seen Nusenda has rarely ever changed their category range. Looks like they wanted to compete with Discover and Chase, to draw those members back to the CU card for QTR 4. They probably realized they were losing a lot of swipes against those 2 cards and wanted to remain competitive.

 

I would imagine the Retail Stores include Walmart/Target for that purpose. And Online Retailers is competitve against the PayPal category Discover and Chase have been offering the past couple of years, all online shopping without having to use a PP Key.  That's solid.

 

I decided not to try for the Nusenda card because of all the hoops you have to jump through, and the pure headache of the application process that has been well documented.  But dang, they're still pushing my buttons....


FWIW, my application process was super easy. 

 

I paid a small amount to be a member of the New Mexico Wilderness Alliance, and that was basically it. All I had to was forward proof of my membership to the banker via e-mail. 

Message 6 of 18
JNA1
Valued Contributor

Re: Nusenda Platinum Cash Rewards Q4 **New Categories**


@5PercentIsTheFloor wrote:

@Taurus22 wrote:

Wow. From what I've seen Nusenda has rarely ever changed their category range. Looks like they wanted to compete with Discover and Chase, to draw those members back to the CU card for QTR 4. They probably realized they were losing a lot of swipes against those 2 cards and wanted to remain competitive.

 

I would imagine the Retail Stores include Walmart/Target for that purpose. And Online Retailers is competitve against the PayPal category Discover and Chase have been offering the past couple of years, all online shopping without having to use a PP Key.  That's solid.

 

I decided not to try for the Nusenda card because of all the hoops you have to jump through, and the pure headache of the application process that has been well documented.  But dang, they're still pushing my buttons....


FWIW, my application process was super easy. 

 

I paid a small amount to be a member of the New Mexico Wilderness Alliance, and that was basically it. All I had to was forward proof of my membership to the banker via e-mail. 


What part of the country do you live in? 

Our credit card journey started 3/2018


Hover over cards to see limits and usage. Total CL - $608,600. Cash Back and SUBs earned as of 5/31/24- $21,590.43
CU Memberships

Goal Cards:

Message 7 of 18
GatorCowboyLion
Regular Contributor

Re: Nusenda Platinum Cash Rewards Q4 **New Categories**

@5PercentIsTheFloor very interesting DP. So streaming services is another upgrade and movies weren't lost, even with inconsistent advertising.

 

@BearsCubsOtters I think Nusenda sounds like a coffee sweetener for sure Smiley Very Happy

 

@Taurus22 I'll try for this card when I make a spree out of the garden probably on the last day of this month. I calculate whether a card is worth applying for based on estimated increased cashback over my current lineup. For now my threshold is $100/year. For 5% categories that means 5k spend considering our AOD 3% baseline. For a 6% card like this (5% plus 1% baseline) that drops my minimum needed projected spend down to 3.4k, and hypothetically I should hit higher than that, but also this card would give additional  benefit for overlapping categories when a 5% card already had spend covered. I'll let you know how it all goes. 

Message 8 of 18
Taurus22
Valued Contributor

Re: Nusenda Platinum Cash Rewards Q4 **New Categories**


@JNA1 wrote:

@5PercentIsTheFloor wrote:

@Taurus22 wrote:

Wow. From what I've seen Nusenda has rarely ever changed their category range. Looks like they wanted to compete with Discover and Chase, to draw those members back to the CU card for QTR 4. They probably realized they were losing a lot of swipes against those 2 cards and wanted to remain competitive.

 

I would imagine the Retail Stores include Walmart/Target for that purpose. And Online Retailers is competitve against the PayPal category Discover and Chase have been offering the past couple of years, all online shopping without having to use a PP Key.  That's solid.

 

I decided not to try for the Nusenda card because of all the hoops you have to jump through, and the pure headache of the application process that has been well documented.  But dang, they're still pushing my buttons....


FWIW, my application process was super easy. 

 

I paid a small amount to be a member of the New Mexico Wilderness Alliance, and that was basically it. All I had to was forward proof of my membership to the banker via e-mail. 


What part of the country do you live in? 


I second this question.... If you are within the geofence, I'm sure it's an easy process.  But outside the geofence, it has been documented to be rather tough to get into.  Unless of course, they've loosened their criteria lately?  I've had this roadblock with both Nusenda and Vantage West, although success has been reported to be "possible" with Nusenda.  Vantage West, not so much.

My Wallet
Sock Drawered

On Deck: Possibly Aven 3% Visa
Message 9 of 18
5PercentIsTheFloor
Valued Member

Re: Nusenda Platinum Cash Rewards Q4 **New Categories**


@JNA1 wrote:

@5PercentIsTheFloor wrote:

@Taurus22 wrote:

Wow. From what I've seen Nusenda has rarely ever changed their category range. Looks like they wanted to compete with Discover and Chase, to draw those members back to the CU card for QTR 4. They probably realized they were losing a lot of swipes against those 2 cards and wanted to remain competitive.

 

I would imagine the Retail Stores include Walmart/Target for that purpose. And Online Retailers is competitve against the PayPal category Discover and Chase have been offering the past couple of years, all online shopping without having to use a PP Key.  That's solid.

 

I decided not to try for the Nusenda card because of all the hoops you have to jump through, and the pure headache of the application process that has been well documented.  But dang, they're still pushing my buttons....


FWIW, my application process was super easy. 

 

I paid a small amount to be a member of the New Mexico Wilderness Alliance, and that was basically it. All I had to was forward proof of my membership to the banker via e-mail. 


What part of the country do you live in? 


Wisconsin

Message 10 of 18
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