SDFCU Premium CashBack+

[UpperNwGuy]

Congrats on getting the card!  Do us all a favor and let us know how hard or easy it is to redeem the 2% cash back once you have benn through a billing cycle or two.

[NRB525]

Congrats on getting the card. SDFCU has a lot of electronic app screens, DocuSign confirmations and such, for their card issuing. 

With your recent rebuild activities, and good payment recently, combined with a manual review, I would not be surprised to see others begin to app this card. It may not be Instapproval but for a no-fee 2% Card, worth the effort. 

[Guyatthebeach]

Data,

Congratulations on your approval on the new 2% card.  I think SDFCU is an excellent CU.  I would not sweat having a high APR.  If you get a preapproval for a personal loan, call SDFCU and ask for them to lower the interest rate on the card.

Good luck on your building efforts.  

Guyatthethebeach

[Datx]

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@UpperNwGuy wrote:

Congrats on getting the card!  Do us all a favor and let us know how hard or easy it is to redeem the 2% cash back once you have benn through a billing cycle or two.

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Will do! And thanks to everyone for all of the congrats. The card came in today, so they seem to be pretty fast on processing. 

[minski]

I'm in the middle of applying for this card. I am questioning this DocuSign form that they sent which seems like some sort of credit insurance? Do they require that as well in order to get the card or can I skip it? I want the card but I'm not going to pay for credit insurance I didn't sign up for.

[UpperNwGuy]

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@minski wrote:

I'm in the middle of applying for this card. I am questioning this DocuSign form that they sent which seems like some sort of credit insurance? Do they require that as well in order to get the card or can I skip it? I want the card but I'm not going to pay for credit insurance I didn't sign up for.

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What did they say when you asked them?

[NRB525]

I got credit insurance forms from them, for the $500 secured card. I ignored them, never returned the paper forms.
If it is signing you up for a likely fee, it should be skippable.

[Namaste7]

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@Anonymous wrote:

Got an advertisement in the mail yesterday promoting this card. Said 2 % cash back on all purchases, $200 bonus on $3k spend, credit limit from $5k to $100k, and interest rate starting at 10.74%; also no foreign transaction fee or annual fee. Not looking for any additional credit myself, but didn't know if it would be of interest to anyone else.

https://www.sdfcu.org/cashback/" 

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Since SDFCU posts are scarce on MFF, I'd thought I'd add some clarifying info on this card... For those interested in this card, the cashback is redeemable for a statement credit. You do not have an option on SDFCU's site, or through the Cash Back Mall portal, to transfer the cashback earned to a checking or savings account. 

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Per SDFCU:

Cash back and cash bonus rewards may be redeemed for statement credit toward your Premium Cash Back+ account.

[UpperNwGuy]

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@Namaste7 wrote:

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@Anonymous wrote:

Got an advertisement in the mail yesterday promoting this card. Said 2 % cash back on all purchases, $200 bonus on $3k spend, credit limit from $5k to $100k, and interest rate starting at 10.74%; also no foreign transaction fee or annual fee. Not looking for any additional credit myself, but didn't know if it would be of interest to anyone else.

https://www.sdfcu.org/cashback/" 

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Since SDFCU posts are scarce on MFF, I'd thought I'd add some clarifying info on this card... For those interested in this card, the cashback is redeemable for a statement credit. You do not have an option on SDFCU's site, or through the Cash Back Mall portal, to transfer the cashback earned to a checking or savings account. 

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Per SDFCU:

Cash back and cash bonus rewards may be redeemed for statement credit toward your Premium Cash Back+ account.

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As I understand your post, even if you have an SDFCU checking or savings account, you can't redeem the cash back to it.  Is that correct?