SDFCU Cash Back Plus

[Anonymous]

Is there a link? New accts only? Or is this an offer that needs to be activated/signed up for like the Fidelity/USB cash+ bonuses that have been sent out?

[Anonymous]

New accounts only. If you want it, go to a branch, pick up a brochure or ask for one, read all the terms to make sure it's what you want, and apply in person. You'll need good to excellent credit.

[TheBoondocks]

I'm looking for a 2% cash card right now, I think SDFCU makes it a perfect combo as far as the pin+chip and 2% with NTF.

[Gmood1]

@TheBoondocks
Don't do it. Lol
Not unless you like burning inqs.
There are easier 2% cash back CCs to be had.

[calyx]

I like my SDFCU card so far, but I've only had it ~a month.  I didn't mind burning a couple of INQs for it.
The PITA will be that they look at FICO2, so make sure that looks good (mine was ~100 lower than my FICO8, so I AZEO'd it to bump it up a bit).

[TheBoondocks]

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@Gmood1 wrote:
@TheBoondocks
Don't do it. Lol
Not unless you like burning inqs.
There are easier 2% cash back CCs to be had.

---

Hahah, I feel it bro lol. I heard the Penfed is pretty good, I don't mind keeping a min balance of $500, way better than having $1500 min balance in BOA, plus I don't know where to park the money into anyway lol but anyway I have a 1.5% US Bank 365, FU, and a CU Fixed rate at 8%. It's crazy cause all 3 of them are Amex, Visa and MC networks lol. The CU has NTF which is good, but min to redeem is $25. But, the US Bank one doesn't have no min. So, when I calculated it, I would have to push another $415, instead of making $1200, I have to do $1666 to get $25. But, with the 1.5% I would only get $18 instead of $24. 

Some places don't accept Amex too that's the thing lol. My thing is what's the point of having a pin+chip? I've never traveled to Europe but would love to go one day. 

[Anonymous]

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@TheBoondocks wrote:

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@Gmood1 wrote:
@TheBoondocks
Don't do it. Lol
Not unless you like burning inqs.
There are easier 2% cash back CCs to be had.

---

Hahah, I feel it bro lol. I heard the Penfed is pretty good, I don't mind keeping a min balance of $500, way better than having $1500 min balance in BOA, plus I don't know where to park the money into anyway lol but anyway I have a 1.5% US Bank 365, FU, and a CU Fixed rate at 8%. It's crazy cause all 3 of them are Amex, Visa and MC networks lol. The CU has NTF which is good, but min to redeem is $25. But, the US Bank one doesn't have no min. So, when I calculated it, I would have to push another $415, instead of making $1200, I have to do $1666 to get $25. But, with the 1.5% I would only get $18 instead of $24. 

Some places don't accept Amex too that's the thing lol. My thing is what's the point of having a pin+chip? I've never traveled to Europe but would love to go one day. 

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I'd look at any and all 2% cards you'd be willing to get, and compare them to the things that are important to you,  including Amex vs. Visa, etc. Then consider the HP as a secondary issue only. Those are temporary, and if a better card exists but has more HPs, consider eating the extra HP to get the better card. 

[Gmood1]

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@TheBoondocks wrote:

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@Gmood1 wrote:
@TheBoondocks
Don't do it. Lol
Not unless you like burning inqs.
There are easier 2% cash back CCs to be had.

---

Hahah, I feel it bro lol. I heard the Penfed is pretty good, I don't mind keeping a min balance of $500, way better than having $1500 min balance in BOA, plus I don't know where to park the money into anyway lol but anyway I have a 1.5% US Bank 365, FU, and a CU Fixed rate at 8%. It's crazy cause all 3 of them are Amex, Visa and MC networks lol. The CU has NTF which is good, but min to redeem is $25. But, the US Bank one doesn't have no min. So, when I calculated it, I would have to push another $415, instead of making $1200, I have to do $1666 to get $25. But, with the 1.5% I would only get $18 instead of $24. 

Some places don't accept Amex too that's the thing lol. My thing is what's the point of having a pin+chip? I've never traveled to Europe but would love to go one day. 

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I've never needed to use pin and chip when out of the country.

I'm a member of a bunch of these CUs.

Penfed and SDFCU are just two of them.

Penfed has been great to me. I'd say in my experience, one of the best I've dealt with.

@TheBoondocks 

Union bank' s Cash back card isn't bad at all. It's basically 1.8% with a bank account. Their always giving me money just to use the card. lol

It's not a non FTF CC though. 

I figured I'd mention it since you live in Cali,if I'm not mistaken?

Andrews FCU may also have a CC that you'd like. They use EQ 8.

NASA FCU card is 1.5% as well. They pull EX. And use an old FICO scoring system.

BBVA has a 2% CB. Need a direct deposit of $1000 a month for it to bump from 1.5 to 2%.

You have Citi DC and PayPal 2% CBs as well.

Keep in mind the MasterCard versions work better with sites like Plastiq.

[AlpedHuez]

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@Gmood1 wrote:
@TheBoondocks
Don't do it. Lol
Not unless you like burning inqs.
There are easier 2% cash back CCs to be had.

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This.

I burned through 3 INQs just to join and because I wanted their card. Fortunately, 2 of those INQs fall off this year.

[TheBoondocks]

Thanks GMood! Appreciate it bro, yeah I heard of Union Bank.
@Alped, so just to join the CU, they do a HP? I'ma just see, if I get approved. If not, then I'ma just get the PenFed, heard they have Pin and Chip, not sure.