@5PercentIsTheFloor wrote: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.
Man, I wish I could get this card, but I am too lazy to do all the leg work to get it 
First bump in the road...looking at some early dining spend, 4 instances so far for the month, something didn't code as restaurants. All 4 are regular spots I've charged to my Alt GO and Affinity in past months, all of which have coded as restaurants for those cards fine. 3 of the spots are independent eateries (1 coffee cafe, 1 sit down restaurant, and 1 to-go taqueria), and 1 was Shake Shack.
Since the individual charges don't have a 5% qualifying indicator, and the option to download transaction history as a csv spreadsheet doesn't include codes like US Bank, I don't see a way to tell. Not going to start doing claculations to figure out which charge it was, so whatever.
Anyone know which mcc's Nusenda includes as "restaurants'?
As an aside, all gas stations and education were flawless last quarter. My son's university tuition coded perfectly to max out the quarter.
@PullingMeSoftly wrote:First bump in the road...looking at some early dining spend, 4 instances so far for the month, something didn't code as restaurants. All 4 are regular spots I've charged to my Alt GO and Affinity in past months, all of which have coded as restaurants for those cards fine. 3 of the spots are independent eateries (1 coffee cafe, 1 sit down restaurant, and 1 to-go taqueria), and 1 was Shake Shack.
Update: All dining charges actually did code properly. Looks like I jumped the gun, the additional rewards just needed a couple more days to post. Can confirm, 6%.
I love my nusenda card. I love having another 5% rotating card like Freedom and Disco-it to have less chances of dead or wasted overlap 5% quarters. Many times Freedom and Disco have had the same or similar categories for a given quarter and nusenda offers different categories. I can almost always get at least 3 quarters with 5% gas and dining between the 3 cards.
It's been 3-4 years but I don't remember the application being hard at all. I had to make a donation to some wildlife foundation to gain CU membership. And I remember I had to apply over the phone I think.
I remember the guy starts asking questions before you get to state why you're calling. He asked where I am from, I said California, and he said "You must be calling for our Platinum Rewards card, no one calls from out of state except for the card". lol!
Dum question guys. I haven't really benefited from "Retail" this quarter because, well, umm, I don't know what that means! lol. What is "Retail"? I imagine like a factory outlet center. But is it, say, Dollar Tree, 99 Cent Store, Wal-Mart, etc.?
https://www.nusenda.org/loans-credit-cards/credit-cards/credit-card-rewards-and-benefits
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@ptatohed wrote:I love my nusenda card. I love having another 5% rotating card like Freedom and Disco-it to have less chances of dead or wasted overlap 5% quarters. Many times Freedom and Disco have had the same or similar categories for a given quarter and nusenda offers different categories. I can almost always get at least 3 quarters with 5% gas and dining between the 3 cards.
It's been 3-4 years but I don't remember the application being hard at all. I had to make a donation to some wildlife foundation to gain CU membership. And I remember I had to apply over the phone I think.
I remember the guy starts asking questions before you get to state why you're calling. He asked where I am from, I said California, and he said "You must be calling for our Platinum Rewards card, no one calls from out of state except for the card". lol!
Dum question guys. I haven't really benefited from "Retail" this quarter because, well, umm, I don't know what that means! lol. What is "Retail"? I imagine like a factory outlet center. But is it, say, Dollar Tree, 99 Cent Store, Wal-Mart, etc.?
Sadly the old New Mexico Wilderness Alliance backdoor has been closed for some time, that's great that you got in at the time.
Their interpretation of "retail" is pretty wide open and seems to include most merchants that are commonly known to have both brick-and-mortar and online stores. Online retail does not seem to be any online purchase like BoA observes, but rather the online-facing stores of major retailers. I don't think discount stores (Target, Walmart) are considered retail by their definition, but instead would be the larger department stores or chain mall stores, etc...Of course the only way to know for sure is to do some testing and check on your ScoreCard earnings and see what percentages you're getting.
Bummer about the New Mexico Wilderness Alliance. The NMWA site still says membership makes you eligable for Nusenda.
https://www.nmwild.org/nusenda-members/
What about La Montanita membership? Does that still work?
https://lamontanita.coop/wp-content/uploads/2013/03/Membership-Agreement.pdf