USALLIANCE Visa Signature (Groceries)

[Kforce]

Had the card for 2-3 years

As of 5 minutes ago.

Just logged on

I am getting 6x on grocery and 3x on everything else

[CreditCuriosity]

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@longtimelurker wrote:

Just spoke to a CSR, and she said that this applies to new AND existing cardholders, and that if I use the card at a supermarket today I will get 6%.   Since CSRs always know and speak the truth....

I will try it soon.   If it is as she said, for the last 3 months this will be quite a card, 6% uncapped on groceries, and 3% everywhere else.

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dont be going back to old habbits of gc's

[Kforce]

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@CreditCobra wrote:

Yeah, losing the 3% a the end of this year was already known, as stated in prior comments, this would have gone to a 2% card, but they went a different direction. Actually the 6% on groceries from now until the end of 2023 seems like a great deal for my current lineup. I'll have to see if Costco codes as Grocery.

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Have a Walmart and Target on my rewards sheet that did not code for 6x.

I will bet $100 fico dollars Costco is the same.

The rewards did start on 9/1, had a grocery the day before (3x) and on the 1st (6x), same store.

[Kforce]

Went out to USAlliance web page to re-read the fine print today.

Discovered that depending on which path of entry you get two different sets of rewards (fine print)

Main
   Borrow
       Credit Cards
      (Blue banner to learn more about Visa-Signature 3%)
      https://go.usalliance.org/signature-card-rewards

Gets to (3/2) wording
*
Points accrue at 3 points per dollar as of 04/01/2021.
Point accrual rate is subject to change at the discretion of the Credit Union.
3 Points per dollar accrual rate is a promotional value and expires on 12/31/2022,
at which time points will accrue at 2 points per dollar.

or (Other link)

Main
    Borrow
        Credit Cards
                Click on Visa Signature Card

                        On VS page click on Learn More
                        https://go.usalliance.org/signature-card-rewards

Gets to (6/1) wording
*
https://go.usalliance.org/signature-card-rewards
Base points accrue at one (1) point per dollar.
Bonus points are available on a promotional basis. As of 09/01/2022,
all eligible grocery store or supermarket transactions on USALLIANCE
Visa Signature Cards will earn five (5) points per dollar above the
standard base point until 12/31/2023.

Base points accrue at one (1) point per dollar.
Bonus points are available on a promotional basis.
Effective 04/01/2021, USALLIANCE Visa Signature Cards
earn an additional two (2) bonus points per eligible
transaction (for a total of three (3) points per
transaction) until 12/31/2022.

Because I am getting the 6% (Grocery), I think they have just missed changing one of the pages.

It could be misleading to new visitor however.

[Kforce]

Correction above

The second path link is

https://www.usalliance.org/banking-products/signature-card

[CreditCobra]

Just got the email...

https://usalliance.hs-sites.com/6-back-on-groceries-with-your-usalliance-visa-signature-card

[longtimelurker]

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@CreditCobra wrote:

Just got the email...

https://usalliance.hs-sites.com/6-back-on-groceries-with-your-usalliance-visa-signature-card

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@CreditCobra wrote:

Just got the email...

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Yes, I had just checked that my first three grocery transactions had indeed earned 6x when I got the email!   Glad MyFico alerted me first.

For those of use with heavy grocery spend, this really is amazing (for 15 months or so) especially on a no AF card.   And, unlike BCP, no cap.

I don't mind the loss of 2%, as I wasn't planning on using it as my 2% card because of the $25 increment redemption structure, and the FTF (though it's smaller than many).   Now wait to see what happens after 12/31/2023!

[Kforce]

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@longtimelurker wrote:

I don't mind the loss of 2%, as I wasn't planning on using it as my 2% card because of the $25 increment redemption structure, and the FTF (though it's smaller than many).   Now wait to see what happens after 12/31/2023!

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Agree 6% grocery > 2% flat.

* However (IMHO) *

3% flat > 6% grocery

It shows they want to play the rewards game for awhile.

I also will be using it for grocery spend.

[longtimelurker]

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@Kforce wrote:

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Agree 6% grocery > 2% flat.

* However (IMHO) *

3% flat > 6% grocery

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I agree with that.  But, once the 3% goes away, I want to calculate the impact!   With PPMC giving 3% on Paypal transactions, BCE giving 3% up to $6K on online, and AR giving 3/4.5% on mobile, much of the flat 3% is covered.  The exception seems to be my vet, who don't take mobile pay...

[craig10x]

I chatted with a live agent and she checked for me...The 6% on groceries (unlimited) applies to end of 2023...The 3% on everything else will revert to 2% (Not 1% as some here thought) after end of December 2022...However she did mention that if they change their mind and decide to keep the 3% then the members will be notifed before year's end...